Median rent is 8% lower in St. Paul ($1,281/mo vs $1,397/mo). Buying is cheaper in Philadelphia, where the median home runs $243,100 versus $294,500. Households earn more in St. Paul ($73,394 vs $61,953 a year). Taken together, Philadelphia is the more affordable choice with a cost index of 102.4 against 104.3 — about 2% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in St. Paul, MN.
Cost of living verdict
Philadelphia is 2% cheaper overall
Cost of Living Index: 102.4 in Philadelphia vs 104.3 in St. Paul (US national average = 100)
City A
Philadelphia, PA
City B
St. Paul, MN
How much would you need to earn in St. Paul, MN to maintain your standard of living from Philadelphia, PA?
Equivalent salary in St. Paul, MN
$76,421
You'd need $1,421 more (2% higher).
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
Philadelphia
Pennsylvania
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
Median rent is modestly lower in St. Paul at $1,281/mo compared to $1,397/mo in Philadelphia (8% gap). Median home values are within 17% of each other: $243,100 in Philadelphia and $294,500 in St. Paul.
BLS OEWS 2023 — metro-level data
State tax data is not yet available for these cities.
Philadelphia
Income tax: N/A
Sales tax: N/A
St. Paul
Income tax: N/A
Sales tax: N/A
Both cities have similar air quality: Philadelphia averages 54.0 AQI (Moderate) and St. Paul averages 55.0 AQI (Moderate).
Pick St. Paul if you prioritize higher median household income ($73,394/yr).
Is Philadelphia cheaper than St. Paul?
Philadelphia is cheaper overall, with a cost of living index of 102.4 versus 104.3 (US average = 100). That means prices run about 2% lower in Philadelphia.
How much is rent in Philadelphia vs St. Paul?
Median rent is $1,397/mo in Philadelphia, PA and $1,281/mo in St. Paul, MN. St. Paul, MN has the lower rent by about 8%.
Which has higher salaries — Philadelphia or St. Paul?
Median household income is $61,953 in Philadelphia, PA and $73,394 in St. Paul, MN. St. Paul, MN 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?
Philadelphia, PA has better air quality on average: 54.0 AQI versus 55.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — Philadelphia 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 Philadelphia income?
To maintain the same purchasing power, a salary of $100,000 in Philadelphia, PA is equivalent to roughly $101,894 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
