St. Paul vs Missoula — side-by-side
Cost of living: St. Paul vs Missoula (2026)
A $60,000 salary in St. Paul buys roughly what $60,000 does in Missoula (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
−$4,176/yr
Favoring Missoula for this income & household (illustrative).
With the extra $348/mo, you could pay down a $15,000 card balance in ~44 months and still keep ~$42/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 | Missoula Montana | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,200 | $1,050Wins | Missoula wins −$150/mo | $1,800/yr saves in Missoula |
| 1BR rent/mo | $1,500 | $1,300Wins | Missoula wins −$200/mo | $2,400/yr saves in Missoula |
| 2BR rent/mo | $2,000 | $1,750Wins | Missoula wins −$250/mo | $3,000/yr saves in Missoula |
| Median home price | $310KWins | $430K | St. Paul wins +$120K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 101 | 99Better | Missoula wins -2 | — |
| Budget meal (1 person) | $14 | $13Better | Missoula wins −$1/mo | — |
| Mid-range dinner (2) | $56 | $54Better | Missoula wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $95 | $45Wins | Missoula wins −$50/mo | $600/yr saves in Missoula |
| Gas price/gal | $3.30Better | $3.50 | St. Paul wins +$0.20 | — |
| Car insurance/mo | $142 | $135Better | Missoula wins −$7/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $195 | $145Wins | Missoula wins −$50/mo | $600/yr saves in Missoula |
| Internet/mo | $63Better | $68 | St. Paul wins +$5/mo | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $65KWins | $54K | St. Paul wins −$11K more/yr | — |
| State income tax% | 9.9% | 6.8%Wins | Missoula wins -3.1 pp | $1,860/yr saves in Missoula |
| Sales tax (combined)% | 8.0% | 0.0%Wins | Missoula wins -8.0 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00Better | $14.00 | — | — |
| Gym membership/mo | $40 | $38Better | Missoula wins −$2/mo | — |
| Beer at restaurant | $6.00Better | $6.00 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 97Better | 97 | — | — |
| Walk score / 100 | 67Wins | 42 | St. Paul wins -25 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$1,860/yr tax difference into cash back
St. Paul 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 St. Paul.
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
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
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
What is the average rent in St. Paul vs Missoula?
As of Q1 2026, the median 1-bedroom rent in St. Paul is $1,500/month and in Missoula is $1,300/month. St. Paul is more expensive by 15%.
How much do I need to earn in Missoula to match a $75,000 salary in St. Paul?
To maintain a similar lifestyle, you would need approximately $75,000/year in Missoula 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 Missoula?
Missoula has the lower state income tax rate at 6.8% vs 9.9%. The difference is 3.1 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 Missoula?
It depends on your priorities. Both cities have similar overall costs. 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
More move scenarios
Planning a move?
Salary equivalent: St. Paul ↔ Missoula
How much would you need to earn in Missoula to match your St. Paul purchasing power?