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

St. Paul

Minnesota
91
VS

Richardson

Texas
128

St. Paul is 29% cheaper than Richardson.

$1,248/mo ↓ 32%
Median Rent
$1,825/mo ↑ 46%
$73,055/yr ↓ 24%
Median Income
$96,257/yr ↑ 32%
$280,300 ↓ 31%
Home Value
$405,600 ↑ 45%
$1,390/mo ↓ 23%
Owner Costs
$1,796/mo ↑ 29%
307,762
Population
118,269

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
22.8%
rent-to-income

Detailed Comparison

When comparing St. Paul, MN and Richardson, TX, the overall cost of living indices are 91 and 128 respectively (national median = 100). Rent is $577/month cheaper in St. Paul, saving renters about $6,924/year.

Median household income is $23,202/year higher in Richardson. Home values also differ significantly — the median in St. Paul is $280,300 compared to $405,600 in Richardson.

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

Frequently Asked Questions

St. Paul vs Richardson — common questions

Is St. Paul or Richardson cheaper to live in?
Based on our cost index, St. Paul is cheaper to live in with an index of 91 compared to 128 (US average = 100).
What is the rent difference between St. Paul and Richardson?
Median rent in St. Paul is $1,248/month and in Richardson it's $1,825/month — a difference of $577/month.
Which city has higher income, St. Paul or Richardson?
Median household income is $73,055 in St. Paul and $96,257 in Richardson. Median household income is $23,202/year higher in Richardson.
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 Richardson?
It depends on your priorities. St. Paul has a cost index of 91 with median rent of $1,248/mo, while Richardson has a cost index of 128 with rent of $1,825/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View St. Paul details → View Richardson details →

More Comparisons

Other cost of living comparisons for St. Paul and Richardson

St. Paul vs. Irvine St. Paul vs. Newark St. Paul vs. Cincinnati St. Paul vs. Pittsburgh St. Paul vs. Santa Ana St. Paul vs. Greensboro Richardson vs. Billings Richardson vs. Cambridge Richardson vs. Wilmington Richardson vs. North Charleston Richardson vs. Spring Hill Richardson vs. Clearwater