Cost of Living: St. Paul, MN vs Garland, TX (2026)

St. Paul

Minnesota
91
VS

Garland

Texas
96

St. Paul is 5% cheaper than Garland.

$1,248/mo ↓ 18%
Median Rent
$1,525/mo ↑ 22%
$73,055/yr ↓ 2%
Median Income
$74,717/yr ↑ 2%
$280,300 ↑ 13%
Home Value
$248,900 ↓ 11%
$1,390/mo ↓ 4%
Owner Costs
$1,445/mo ↑ 4%
307,762
Population
245,298

Tax Comparison

9.85%
Income Tax
0%
6.875%
State Sales Tax
6.25%
1.11%
Property Tax
1.6%

Affordability

20.5%
rent-to-income
Affordability
24.5%
rent-to-income

Detailed Comparison

When comparing St. Paul, MN and Garland, TX, the overall cost of living indices are 91 and 96 respectively (national median = 100). Rent is $277/month cheaper in St. Paul, saving renters about $3,324/year.

Median household income is $1,662/year higher in Garland. Home values also differ significantly — the median in St. Paul is $280,300 compared to $248,900 in Garland.

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

Frequently Asked Questions

St. Paul vs Garland — common questions

Is St. Paul or Garland cheaper to live in?
Based on our cost index, St. Paul is cheaper to live in with an index of 91 compared to 96 (US average = 100).
What is the rent difference between St. Paul and Garland?
Median rent in St. Paul is $1,248/month and in Garland it's $1,525/month — a difference of $277/month.
Which city has higher income, St. Paul or Garland?
Median household income is $73,055 in St. Paul and $74,717 in Garland. Median household income is $1,662/year higher in Garland.
How do taxes compare between Minnesota and Texas?
Minnesota has 9.85% income tax, 6.875% sales tax, and 1.11% property tax. Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax.
Should I move to St. Paul or Garland?
It depends on your priorities. St. Paul has a cost index of 91 with median rent of $1,248/mo, while Garland has a cost index of 96 with rent of $1,525/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View St. Paul details → View Garland details →

More Comparisons

Other cost of living comparisons for St. Paul and Garland

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