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Minneapolis-St. Paul-Bloomington, MN-WI

Cost of living in Saint Paul, Minnesota

Ramsey County, MN

Part of the Minneapolis Metro Area

Estimated monthly cost
$3,514/mo
for a single person, all categories combined

Population 544,438 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,381 39%
Federal tax $598 17%
Healthcare $480 14%
Groceries $340 10%
Transport $250 7%
State tax $228 6%
Energy $187 5%
Water $50 1%

Rent in Saint Paul

Fair Market Rents by bedroom count.

Studio
$1,220
per month
1 bedroom
$1,381
per month
2 bedroom
$1,685
per month
3 bedroom
$2,244
per month
4 bedroom
$2,513
per month

Source: HUD FMR FY2025

Income and earnings in Saint Paul

Annual earnings figures from the Census ACS.

Household income
$81,004
per year
Individual earnings
$46,608
per year
Per capita
$45,193
per year

Source: ACS 2019-2023 5-Year.

Home values in Saint Paul

Average values reported by homeowners.

Average home value
$304,900
Annual property tax
$3,767

Source: ACS 2019-2023 5-Year

Energy costs in Saint Paul

Estimated monthly electricity and gas costs.

Electricity
$124
per month · 15.5¢/kWh
Natural gas
$63
per month
Annual total
$2,244
per year

Source: EIA

Healthcare in Saint Paul

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
5.2%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Saint Paul

State and local tax rates for Minnesota.

State income tax
9.8%
Top marginal rate
State sales tax
6.9%
Combined sales tax
7.5%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Saint Paul

Commute patterns and estimated costs.

Average commute
22.5 min
Drive alone
63.6%
Public transit
4.5%
Work from home
18.3%

Source: ACS

Monthly cost estimates for Saint Paul

What it costs to live in Saint Paul each month.

Single person
$3,514
per month
  • Rent $1,381
  • Energy $187
  • Water $50
  • Groceries $340
  • Transport $250
  • Healthcare $480
  • Federal tax $598
  • State tax $228
Couple
$5,165
per month
  • Rent $1,685
  • Energy $224
  • Water $60
  • Groceries $563
  • Transport $350
  • Healthcare $864
  • Federal tax $996
  • State tax $423
Family
$7,868
per month
  • Rent $2,244
  • Energy $280
  • Water $70
  • Groceries $855
  • Transport $450
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $996
  • State tax $423

Frequently asked questions about Saint Paul

Common questions about cost of living, rent and salary.

What is the average rent in Saint Paul?

In Saint Paul, Minnesota, a one-bedroom apartment averages $1,381 per month, a two-bedroom averages $1,685 per month, a three-bedroom averages $2,244 per month, according to HUD Fair Market Rent data.

What is the average salary in Saint Paul?

In Saint Paul, Minnesota, the average household income is $81,004 per year and individual earnings for full-time workers average $46,608 per year, according to U.S. Census Bureau data.

What is the cost of living in Saint Paul?

The estimated cost of living in Saint Paul, Minnesota is approximately $3,514 per month for a single person, $5,165 for a couple, $7,868 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Saint Paul?

The combined sales tax rate in Saint Paul, Minnesota is 7.54%, which includes the Minnesota state rate of 6.88% plus an average local rate of 0.66%.

Is Saint Paul an affordable place to live?

Based on the data, a single person in Saint Paul, Minnesota would need approximately $3,514 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $81,004 per year ($6,750 per month). Saint Paul has a moderate cost of living relative to local earnings.

How much does healthcare cost in Saint Paul?

The ACA marketplace benchmark premium in Saint Paul, Minnesota is approximately $480 per month for an individual. Approximately 5.2% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Saint Paul?

The average home value in Saint Paul, Minnesota is $304,900, with average annual property taxes of $3,767, according to U.S. Census Bureau data.

How does Saint Paul compare to other areas?

You can compare Saint Paul, Minnesota with any other US county using our comparison tool at /compare. Saint Paul is in the Minneapolis-St. Paul-Bloomington, MN-WI metro area.

Other counties in Minnesota

Browse the full list of counties in Minnesota, ranked by cost of living.

See all counties in Minnesota

Compare Saint Paul with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources