Cincinnati wins overall by ~11% (COL index)
Cost of living: St. Paul vs Cincinnati (2026)
A $61,000 salary in St. Paul buys roughly what $54,711 does in Cincinnati (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$6,986/yr
Favoring Cincinnati for this income & household (illustrative).
With the extra $582/mo, you could pay down a $15,000 card balance in ~26 months and still keep ~$70/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | St. Paul Minnesota | Cincinnati Ohio | Who wins | Your impact at $61K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,200 | $1,050Wins | Cincinnati wins −$150/mo | $1,800/yr saves in Cincinnati |
| 1BR rent/mo | $1,500 | $1,300Wins | Cincinnati wins −$200/mo | $2,400/yr saves in Cincinnati |
| 2BR rent/mo | $2,000 | $1,700Wins | Cincinnati wins −$300/mo | $3,600/yr saves in Cincinnati |
| Median home price | $310K | $235KWins | Cincinnati wins −$75K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 101 | 97Better | Cincinnati wins -4 | — |
| Budget meal (1 person) | $14 | $13Better | Cincinnati wins −$1/mo | — |
| Mid-range dinner (2) | $56 | $52Better | Cincinnati wins −$4/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $95 | $65Wins | Cincinnati wins −$30/mo | $360/yr saves in Cincinnati |
| Gas price/gal | $3.30 | $3.15Better | Cincinnati wins −$0.15 | — |
| Car insurance/mo | $142Better | $155 | St. Paul wins +$13/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $195 | $165Wins | Cincinnati wins −$30/mo | $360/yr saves in Cincinnati |
| Internet/mo | $63 | $60Better | Cincinnati wins −$3/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $65KWins | $57K | St. Paul wins −$8K more/yr | — |
| State income tax% | 9.9% | 3.5%Wins | Cincinnati wins -6.4 pp | $3,904/yr saves in Cincinnati |
| Sales tax (combined)% | 8.0% | 7.2%Better | Cincinnati wins -0.8 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00Better | $14.00 | — | — |
| Gym membership/mo | $40 | $38Better | Cincinnati wins −$2/mo | — |
| Beer at restaurant | $6.00 | $5.50Better | Cincinnati wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 97 | 87Better | Cincinnati wins -10 | — |
| Walk score / 100 | 67Wins | 54 | St. Paul wins -13 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$3,912/yr tax difference into cash back
Cincinnati fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Cincinnati.
High-yield savings
Park ~$2,400/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
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Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
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While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
Is St. Paul cheaper than Cincinnati?
No. Cincinnati is 11% cheaper than St. Paul based on overall cost of living indices (87 vs 97, where 100 = US average).
What is the average rent in St. Paul vs Cincinnati?
As of Q1 2026, the median 1-bedroom rent in St. Paul is $1,500/month and in Cincinnati is $1,300/month. St. Paul is more expensive by 15%.
How much do I need to earn in Cincinnati to match a $75,000 salary in St. Paul?
To maintain a similar lifestyle, you would need approximately $67,268/year in Cincinnati to match a $75,000 salary in St. Paul. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — St. Paul or Cincinnati?
Cincinnati has the lower state income tax rate at 3.5% vs 9.9%. The difference is 6.4 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from St. Paul to Cincinnati?
It depends on your priorities. Cincinnati offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: St. Paul ↔ Cincinnati
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