Side-by-side cost of living comparison for 2026
21% cheaper
St. Paul is 21% more affordable than Miami. A $75,000 salary in Miami is equivalent to $59,055 in St. Paul.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Florida salaries · Minnesota salaries
Housing is typically the biggest factor in any cost-of-living comparison. Miami has a housing index of 172 while St. Paul sits at 98 (national average = 100). The median home in Miami costs $450,000 compared to $260,000 in St. Paul, a difference of $190,000. Monthly rent follows a similar pattern: $2,200 in Miami versus $1,300 in St. Paul.
Groceries and everyday expenses show a notable difference: Miami scores 108 while St. Paul scores 103.
Healthcare costs in Miami (99) are lower than St. Paul (105). Both are close to the national average.
Median household income in Miami is $44,268 compared to $57,718 in St. Paul. When adjusted for cost of living, income goes further in St. Paul.
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