Moving from Phoenix to St. Paul (2026)
St. Paul has a COL index of 97 vs 100 for Phoenix (100 = US average). You'd pay about 3% less for the same lifestyle.
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Key differences
Salary needed in St. Paul to match your Phoenix lifestyle
Based on the 3% cost of living decrease between the two cities.
| Your salary in Phoenix | Equivalent in St. Paul |
|---|---|
| $40K | $38,800 |
| $50K | $48,500 |
| $60K | $58,200 |
| $75K | $72,750 |
| $80K | $77,600 |
| $100K | $97,000 |
| $120K | $116,400 |
| $150K | $145,500 |
💵 Household income (before tax)
Monthly budget at $75K — Phoenix vs St. Paul
| Expense | Phoenix | St. Paul |
|---|---|---|
| Monthly take-home | $4,584 | $4,122 |
| 1BR rent | $1,500 | $1,500 |
| Groceries | $369 | $384 |
| Transport | $64 | $95 |
| Utilities | $210 | $195 |
| Internet | $60 | $63 |
| Left after essentials | $2,381 | $1,885 |
Frequently asked questions
Is St. Paul cheaper than Phoenix?
Yes. St. Paul has a cost of living index of 97 vs 100 for Phoenix (100 = US average). That's about 3% cheaper.
How much will I save moving from Phoenix to St. Paul?
On a $75K salary, core expenses in St. Paul run about $463/month more than Phoenix. Factor this into your salary negotiation when relocating.
What salary do I need in St. Paul to match my Phoenix lifestyle?
To maintain the same purchasing power as $75,000 in Phoenix, you'd need roughly $72,750/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