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

St. Paul

Minnesota
91
VS

Irving

Texas
102

St. Paul is 11% cheaper than Irving.

$1,248/mo ↓ 18%
Median Rent
$1,517/mo ↑ 22%
$73,055/yr ↓ 8%
Median Income
$79,641/yr ↑ 9%
$280,300 ↓ 2%
Home Value
$287,300 ↑ 2%
$1,390/mo ↓ 9%
Owner Costs
$1,521/mo ↑ 9%
307,762
Population
255,036

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
22.9%
rent-to-income

Detailed Comparison

When comparing St. Paul, MN and Irving, TX, the overall cost of living indices are 91 and 102 respectively (national median = 100). Rent is $269/month cheaper in St. Paul, saving renters about $3,228/year.

Median household income is $6,586/year higher in Irving. Home values also differ significantly — the median in St. Paul is $280,300 compared to $287,300 in Irving.

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

Frequently Asked Questions

St. Paul vs Irving — common questions

Is St. Paul or Irving cheaper to live in?
Based on our cost index, St. Paul is cheaper to live in with an index of 91 compared to 102 (US average = 100).
What is the rent difference between St. Paul and Irving?
Median rent in St. Paul is $1,248/month and in Irving it's $1,517/month — a difference of $269/month.
Which city has higher income, St. Paul or Irving?
Median household income is $73,055 in St. Paul and $79,641 in Irving. Median household income is $6,586/year higher in Irving.
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 Irving?
It depends on your priorities. St. Paul has a cost index of 91 with median rent of $1,248/mo, while Irving has a cost index of 102 with rent of $1,517/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View St. Paul details → View Irving details →

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