Median rent is 19% lower in St. Paul ($1,281/mo vs $1,577/mo). Buying is cheaper in St. Paul, where the median home runs $294,500 versus $440,900. Households earn more in Stockton ($79,907 vs $73,394 a year). Taken together, Stockton is the more affordable choice with a cost index of 98.1 against 104.3 — about 6% lower overall prices. After adjusting income for local prices, a typical paycheck stretches further in Stockton, CA.
Cost of living verdict
Stockton is 6% cheaper overall
Cost of Living Index: 98.1 in Stockton vs 104.3 in St. Paul (US national average = 100)
City A
St. Paul, MN
City B
Stockton, CA
How much would you need to earn in Stockton, CA to maintain your standard of living from St. Paul, MN?
Equivalent salary in Stockton, CA
$70,517
You could earn $4,483 less (6% 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
St. Paul
Minnesota
Stockton
California
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 $1,577/mo in Stockton (19% gap). Home buyers face a steeper market in Stockton: the median home is $440,900 versus $294,500 in St. Paul — 33% 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.
St. Paul
Income tax: N/A
Sales tax: N/A
Stockton
Income tax: N/A
Sales tax: N/A
Stockton has cleaner air on average: 48.0 AQI (Good) compared to 55.0 AQI (Moderate) in the other city. Lower AQI means cleaner, healthier air.
Pick Stockton if you prioritize lower overall cost of living (index 98.1 vs 104.3).
Pick Stockton if you prioritize higher median household income ($79,907/yr).
Pick St. Paul if you prioritize cheaper rent ($1,281/mo median).
Pick Stockton if you prioritize cleaner air quality (avg AQI 48.0).
Is St. Paul cheaper than Stockton?
Stockton is cheaper overall, with a cost of living index of 98.1 versus 104.3 (US average = 100). That means prices run about 6% lower in Stockton.
How much is rent in St. Paul vs Stockton?
Median rent is $1,281/mo in St. Paul, MN and $1,577/mo in Stockton, CA. St. Paul, MN has the lower rent by about 19%.
Which has higher salaries — St. Paul or Stockton?
Median household income is $73,394 in St. Paul, MN and $79,907 in Stockton, CA. Stockton, CA 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?
Stockton, CA has better air quality on average: 48.0 AQI versus 55.0 AQI. Both are EPA AirNow annual averages; lower is better.
Which has lower taxes — St. Paul or Stockton?
State tax data is not yet available for one or both cities.
What salary do I need in Stockton to match my St. Paul income?
To maintain the same purchasing power, a salary of $100,000 in St. Paul, MN is equivalent to roughly $94,023 in Stockton, CA (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
