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

St. Paul

Minnesota
91
VS

Lubbock

Texas
75

St. Paul is 21% more expensive than Lubbock.

$1,248/mo ↑ 10%
Median Rent
$1,137/mo ↓ 9%
$73,055/yr ↑ 21%
Median Income
$60,487/yr ↓ 17%
$280,300 ↑ 42%
Home Value
$197,900 ↓ 29%
$1,390/mo ↑ 18%
Owner Costs
$1,179/mo ↓ 15%
307,762
Population
261,078

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
22.6%
rent-to-income

Detailed Comparison

When comparing St. Paul, MN and Lubbock, TX, the overall cost of living indices are 91 and 75 respectively (national median = 100). Rent is $111/month cheaper in Lubbock, saving renters about $1,332/year.

Median household income is $12,568/year higher in St. Paul. Home values also differ significantly — the median in St. Paul is $280,300 compared to $197,900 in Lubbock.

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

Frequently Asked Questions

St. Paul vs Lubbock — common questions

Is St. Paul or Lubbock cheaper to live in?
Based on our cost index, Lubbock is cheaper to live in with an index of 75 compared to 91 (US average = 100).
What is the rent difference between St. Paul and Lubbock?
Median rent in St. Paul is $1,248/month and in Lubbock it's $1,137/month — a difference of $111/month.
Which city has higher income, St. Paul or Lubbock?
Median household income is $73,055 in St. Paul and $60,487 in Lubbock. Median household income is $12,568/year higher in St. Paul.
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 Lubbock?
It depends on your priorities. St. Paul has a cost index of 91 with median rent of $1,248/mo, while Lubbock has a cost index of 75 with rent of $1,137/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View St. Paul details → View Lubbock details →

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