Moving from Philadelphia to St. Paul (2026)
St. Paul has a COL index of 97 vs 107 for Philadelphia (100 = US average). You'd pay about 9% less for the same lifestyle.
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Key differences
Salary needed in St. Paul to match your Philadelphia lifestyle
Based on the 9% cost of living decrease between the two cities.
| Your salary in Philadelphia | Equivalent in St. Paul |
|---|---|
| $40K | $36,262 |
| $50K | $45,327 |
| $60K | $54,393 |
| $75K | $67,991 |
| $80K | $72,523 |
| $100K | $90,654 |
| $120K | $108,785 |
| $150K | $135,981 |
💵 Household income (before tax)
Monthly budget at $75K — Philadelphia vs St. Paul
| Expense | Philadelphia | St. Paul |
|---|---|---|
| Monthly take-home | $4,547 | $4,122 |
| 1BR rent | $2,000 | $1,500 |
| Groceries | $391 | $384 |
| Transport | $96 | $95 |
| Utilities | $160 | $195 |
| Internet | $65 | $63 |
| Left after essentials | $1,835 | $1,885 |
30-Year Wealth Builder
If you invest your monthly savings of $475 in a low-cost index fund (7% avg return), you'd accumulate an extra:
over 30 years compared to staying in Philadelphia — that's the real price of a city.
Frequently asked questions
Is St. Paul cheaper than Philadelphia?
Yes. St. Paul has a cost of living index of 97 vs 107 for Philadelphia (100 = US average). That's about 9% cheaper.
How much will I save moving from Philadelphia to St. Paul?
On a $75K salary, moving from Philadelphia to St. Paul saves roughly $75/month on core expenses. That's ~$900/year.
What salary do I need in St. Paul to match my Philadelphia lifestyle?
To maintain the same purchasing power as $75,000 in Philadelphia, you'd need roughly $67,991/year in St. Paul. This is based on the overall COL index difference.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates. Zillow · BLS · Numbeo · For general guidance only