Cost of Living: Miami, FL vs St. Paul, MN (2026)

Miami

Florida
129
VS

St. Paul

Minnesota
91

Miami is 42% more expensive than St. Paul.

$1,657/mo ↑ 33%
Median Rent
$1,248/mo ↓ 25%
$59,390/yr ↓ 19%
Median Income
$73,055/yr ↑ 23%
$475,200 ↑ 70%
Home Value
$280,300 ↓ 41%
$1,666/mo ↑ 20%
Owner Costs
$1,390/mo ↓ 17%
446,663
Population
307,762

Tax Comparison

0%
Income Tax
9.85%
6.0%
State Sales Tax
6.875%
0.86%
Property Tax
1.11%

Affordability

33.5%
rent-to-income
Affordability
20.5%
rent-to-income

Detailed Comparison

When comparing Miami, FL and St. Paul, MN, the overall cost of living indices are 129 and 91 respectively (national median = 100). Rent is $409/month cheaper in St. Paul, saving renters about $4,908/year.

Median household income is $13,665/year higher in St. Paul. Home values also differ significantly — the median in Miami is $475,200 compared to $280,300 in St. Paul.

Florida has no state income tax, giving Miami residents a significant tax advantage over Minnesota's 9.85% rate.

Frequently Asked Questions

Miami vs St. Paul — common questions

Is Miami or St. Paul cheaper to live in?
Based on our cost index, St. Paul is cheaper to live in with an index of 91 compared to 129 (US average = 100).
What is the rent difference between Miami and St. Paul?
Median rent in Miami is $1,657/month and in St. Paul it's $1,248/month — a difference of $409/month.
Which city has higher income, Miami or St. Paul?
Median household income is $59,390 in Miami and $73,055 in St. Paul. Median household income is $13,665/year higher in St. Paul.
How do taxes compare between Florida and Minnesota?
Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax. Minnesota has 9.85% income tax, 6.875% sales tax, and 1.11% property tax.
Should I move to Miami or St. Paul?
It depends on your priorities. Miami has a cost index of 129 with median rent of $1,657/mo, while St. Paul has a cost index of 91 with rent of $1,248/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
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