Median rent is 36% lower in St. Paul ($1,281/mo vs $2,007/mo). Buying is cheaper in St. Paul, where the median home runs $294,500 versus $566,900. Households earn more in Jersey City ($97,710 vs $73,394 a year). Taken together, St. Paul is the more affordable choice with a cost index of 104.3 against 112.6 — about 7% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in Jersey City, NJ.
Cost of living verdict
St. Paul is 7% cheaper overall
Cost of Living Index: 104.3 in St. Paul vs 112.6 in Jersey City (US national average = 100)
City A
Jersey City, NJ
City B
St. Paul, MN
How much would you need to earn in St. Paul, MN to maintain your standard of living from Jersey City, NJ?
Equivalent salary in St. Paul, MN
$69,445
You could earn $5,555 less (7% lower) and break even.
Based on BEA Regional Price Parity (cost index) for each metro area. This estimates overall purchasing power; it does not account for taxes or take-home pay differences.
Metric
Jersey City
New Jersey
St. Paul
Minnesota
Population
Median Household Income
Annual
Median Gross Rent
Per month
Median Home Value
Cost of Living Index
US avg = 100
1BR Fair Market Rent
HUD FMR
2BR Fair Market Rent
HUD FMR
3BR Fair Market Rent
HUD FMR
Air Quality Index
Lower = cleaner
Top State Income Tax
Top marginal rate
State Sales Tax
Statewide base rate
Median Age
Years
✓ = better value · Sources: Census ACS, BEA, HUD Fair Market Rents, EPA AirNow, Tax Foundation
Renters will find significantly cheaper housing in St. Paul — median rent of $1,281/mo versus $2,007/mo in Jersey City, a 36% difference. Home buyers face a steeper market in Jersey City: the median home is $566,900 versus $294,500 in St. Paul — 48% more expensive.
1BR Fair Market Rent
2BR Fair Market Rent
BLS OEWS 2023 — metro-level data
State tax data is not yet available for these cities.
Jersey City
Income tax: N/A
Sales tax: N/A
St. Paul
Income tax: N/A
Sales tax: N/A
Jersey City has cleaner air on average: 46.0 AQI (Good) compared to 55.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick St. Paul if you prioritize lower overall cost of living (index 104.3 vs 112.6).
Pick Jersey City if you prioritize higher median household income ($97,710/yr).
Pick St. Paul if you prioritize cheaper rent ($1,281/mo median).
Pick Jersey City if you prioritize cleaner air quality (avg AQI 46.0).
Is Jersey City cheaper than St. Paul?
St. Paul is cheaper overall, with a cost of living index of 104.3 versus 112.6 (US average = 100). That means prices run about 7% lower in St. Paul.
How much is rent in Jersey City vs St. Paul?
Median rent is $2,007/mo in Jersey City, NJ and $1,281/mo in St. Paul, MN. St. Paul, MN has the lower rent by about 36%.
Which has higher salaries — Jersey City or St. Paul?
Median household income is $97,710 in Jersey City, NJ and $73,394 in St. Paul, MN. Jersey City, NJ has the higher median income. Note that BLS occupational wages in the table above show wages for specific jobs.
Which city has better air quality?
Jersey City, NJ has better air quality on average: 46.0 AQI versus 55.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — Jersey City or St. Paul?
State tax data is not yet available for one or both cities.
What salary do I need in St. Paul to match my Jersey City income?
To maintain the same purchasing power, a salary of $100,000 in Jersey City, NJ is equivalent to roughly $92,594 in St. Paul, MN (using the BEA Regional Price Parity ratio). Use the salary calculator above for any income amount.
Data last updated: December 1, 2026 · Sources: US Census ACS, BEA RPP, BLS OEWS, HUD FMR, EPA AirNow, Tax Foundation · Methodology
