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

St. Paul

Minnesota
91
VS

McKinney

Texas
138

St. Paul is 34% cheaper than McKinney.

$1,248/mo ↓ 32%
Median Rent
$1,841/mo ↑ 48%
$73,055/yr ↓ 39%
Median Income
$120,273/yr ↑ 65%
$280,300 ↓ 36%
Home Value
$439,500 ↑ 57%
$1,390/mo ↓ 34%
Owner Costs
$2,101/mo ↑ 51%
307,762
Population
202,314

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
18.4%
rent-to-income

Detailed Comparison

When comparing St. Paul, MN and McKinney, TX, the overall cost of living indices are 91 and 138 respectively (national median = 100). Rent is $593/month cheaper in St. Paul, saving renters about $7,116/year.

Median household income is $47,218/year higher in McKinney. Home values also differ significantly — the median in St. Paul is $280,300 compared to $439,500 in McKinney.

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

Frequently Asked Questions

St. Paul vs McKinney — common questions

Is St. Paul or McKinney cheaper to live in?
Based on our cost index, St. Paul is cheaper to live in with an index of 91 compared to 138 (US average = 100).
What is the rent difference between St. Paul and McKinney?
Median rent in St. Paul is $1,248/month and in McKinney it's $1,841/month — a difference of $593/month.
Which city has higher income, St. Paul or McKinney?
Median household income is $73,055 in St. Paul and $120,273 in McKinney. Median household income is $47,218/year higher in McKinney.
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 McKinney?
It depends on your priorities. St. Paul has a cost index of 91 with median rent of $1,248/mo, while McKinney has a cost index of 138 with rent of $1,841/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View St. Paul details → View McKinney details →

More Comparisons

Other cost of living comparisons for St. Paul and McKinney

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