St. Paul vs Albany for Remote Workers (2026)

Overall COL Index
97
St. Paul
92
Albany ✓
State Income Tax
9.9%
St. Paul
6.9%
Albany ✓
1BR Rent / month
$1,500
St. Paul
$1,400
Albany ✓
Walk Score (0–100)
67
St. Paul ✓
55
Albany

Scroll down for internet costs, SF savings estimate, and FAQ.

Remote work cost breakdown

Metric
St. Paul
Minnesota
Albany
New York
Overall COL index (100 = US avg)9792Better
State income tax9.9%6.9%Better
1BR rent / month$1,500$1,400Better
Internet / month$63Better$65
Walk score (0–100)67 / 100Better55 / 100
Monthly utilities$195$185Better
Sales tax (combined)8%Better8%
Est. monthly savings vs SF+$5,000+$5,258Better

Frequently asked questions

Is St. Paul or Albany better for remote workers?

For remote workers, St. Paul edges ahead on overall cost of living, internet costs, and taxes. The best choice depends on your priorities — cost vs walkability vs community.

How much money can I save working remotely in St. Paul vs staying in San Francisco?

If you earn $120K remotely and relocate from San Francisco (COL index 194) to St. Paul (COL index 97), you'd save approximately $5,000/month on equivalent purchasing power — or about $60,000/year. This doesn't account for potential salary adjustments.

What is internet service like in St. Paul vs Albany?

Median monthly internet costs are $63 in St. Paul and $65 in Albany. Both cities have competitive broadband options suitable for remote work, including gigabit fiber in most areas.

Can I negotiate a remote salary if I move from a high-cost city to St. Paul or Albany?

Many employers now use location-based pay. Moving from a top-tier city to St. Paul could trigger a salary adjustment. Even at 85% of a $150K SF salary ($127.5K), the lower COL in St. Paul or Albany typically means significantly higher purchasing power and take-home after local taxes.

Which city has better walkability for remote workers who don't need to commute?

St. Paul has a higher walk score (67 vs 55), meaning more errands, coffee shops, and restaurants are reachable on foot — a big quality-of-life factor when you're home all day. Walk scores above 70 are considered "very walkable."

Salary equivalent

$100K in St. Paul has the same purchasing power as $95K in Albany

$50K → $47K$75K → $71K$100K → $95K$150K → $142K
Moving from St. Paul to Albany →Albany is ~5% cheaper · salary needed · budgetMoving from Albany to St. Paul →St. Paul is ~5% more expensive · salary needed · budget
For families →Rent, home prices, childcare, schoolsFull comparison →All 20+ cost categories
Related comparisons
St. Paul vs MinneapolisFor remote workers →St. Paul vs RochesterFor remote workers →Albany vs New YorkFor remote workers →Albany vs BuffaloFor remote workers →

SF savings estimate based on COL index vs San Francisco (194). Actual savings depend on lifestyle and salary adjustments. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026