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© 2026 WealthSpott. Independent reviews, no sponsored rankings.

ToolsCheapest NearSt. Paul

Affordable Alternatives to St. Paul

Cities ranked by lifestyle match — walkability, job market, and cost of living — not just the cheapest price tag.

COL Index97100 = US avg
1BR Rent$1,500/mo
Walk Score67/100
State Income Tax9.9%

Best overall alternatives

Ranked by lifestyle match: savings potential, walkability, and economic opportunity — not just cheapest price.

Best Match
⚾ St. Louis
Missouri, MO
10% cheaper
vs. St. Paul
COL 87
100 = US avg
1BR rent$1,300/mo
Monthly savings$200/mo
Walk score61/100
Median income$54K/yr
DetailsCompare
🌻 Cincinnati
Ohio, OH
10% cheaper
vs. St. Paul
COL 87
100 = US avg
1BR rent$1,300/mo
Monthly savings$200/mo
Walk score54/100
Median income$57K/yr
DetailsCompare
🎸 Cleveland
Ohio, OH
12% cheaper
vs. St. Paul
COL 85
100 = US avg
1BR rent$1,250/mo
Monthly savings$250/mo
Walk score58/100
Median income$51K/yr
DetailsCompare

Moving to St. Louis saves you $200/mo. Put it to work while you plan.

High-yield savings accounts — top rates today

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Openbank logo
Openbank
Openbank 12-Month CD
4.45%APY
See reviewOpen account
Peak Bank logo
Peak Bank
Peak Bank 12-Month CD
4.42%APY
See reviewOpen account

Stay in Minnesota

Cheaper cities within Minnesota — same state laws, familiar surroundings.

❄️ Duluth
COL 87
1BR $1,200/mo
10% cheaper
❄️ Rochester
COL 94
1BR $1,400/mo
3% cheaper

Eliminate Minnesota's 9.9% state income tax

These states charge $0 in state income tax. On a $120K salary, that's $11,880/year back in your pocket — before factoring in the lower COL.

🌮 Laredo
No income tax
COL 79
1BR $950/mo
19% cheaper
🌮 El Paso
No income tax
COL 80
1BR $1,050/mo
18% cheaper
🤠 Amarillo
No income tax
COL 80
1BR $950/mo
18% cheaper
🤠 Lubbock
No income tax
COL 81
1BR $1,000/mo
16% cheaper

More monthly income deserves a card that earns it back

No-annual-fee credit cards — earn rewards on every moving expense

Chase logo
Chase
Chase Freedom Unlimited®
1.5%-5% Cash Back
$0 annual fee
See reviewApply
Citi logo
Citi
Citi Custom Cash® Card
1%-5% Cash Back
$0 annual fee
See reviewApply
☐ Compare renters insurance →☐ Auto insurance for your new state →

More affordable metros

All other established metros cheaper than St. Paul, sorted by cost of living.

🎵 Jackson, MS
COL 791BR $1,000/moSave $500/mo on rent19% cheaper
DetailsCompare
🎯 Springfield, MO
COL 791BR $950/moSave $550/mo on rent19% cheaper
DetailsCompare
⚙️ Montgomery, AL
COL 811BR $1,050/moSave $450/mo on rent16% cheaper
DetailsCompare
🎷 Shreveport, LA
COL 811BR $1,000/moSave $500/mo on rent16% cheaper
DetailsCompare
🌻 Toledo, OH
COL 811BR $1,050/moSave $450/mo on rent16% cheaper
DetailsCompare
🏁 Fort Wayne, IN
COL 811BR $1,000/moSave $500/mo on rent16% cheaper
DetailsCompare

St. Paul at a glance

97
COL index
100 = US avg
$1,500
1BR rent
per month
$310K
Home price
median
9.9%
State tax
income

Cities with similar cost of living

Charleston, SCCOL: 97Madison, WICOL: 97Missoula, MTCOL: 97Salem, ORCOL: 97

COL data: Numbeo, Zillow, BLS · Walk scores: Walk Score® · Q1 2026 · For general guidance only