$100K in Phoenix = $97,000 in St. Paul
Your $100K salary in Phoenix (COL 100) has the same purchasing power as $97,000 in St. Paul (COL 97). St. Paul is cheaper — your money goes 3% further there.
Budget breakdown — $100K in both cities
What $100K actually buys you in each city after taxes and core expenses.
| Expense | Phoenix $100K | St. Paul $100K (same salary) |
|---|---|---|
| Monthly take-home | $6,113 | $5,496 |
| 1BR rent | $1,500 | $1,500 |
| Groceries | $369 | $384 |
| Transport | $64 | $95 |
| Utilities | $210 | $195 |
| Internet | $60 | $63 |
| Left after essentials | $3,910/month | $3,259/month |
Frequently asked questions
What is $100K in Phoenix equivalent to in St. Paul?
$100K in Phoenix (COL index 100) has the same purchasing power as $97,000 in St. Paul (COL index 97). That's 3% less than your current salary.
If I move from Phoenix to St. Paul keeping my $100K salary, will I be better off?
Yes. If you keep earning $100K after moving to St. Paul, you'd have $-651 more per month after core expenses — because St. Paul is cheaper than Phoenix.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $100K × (97 ÷ 100) = $97,000. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Phoenix to St. Paul
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only