St. Paul vs Frisco: Cost of Living Comparison
How does the cost of living in St. Paul, Minnesota compare to Frisco, Texas? Below is a side-by-side breakdown of housing costs, income, wages, and taxes using official government data.
Summary: St. Paul is the more affordable city overall. Housing costs are 50% lower in St. Paul compared to Frisco, while rent is 35% lower. TX has no state income tax.
| Metric | St. Paul, MN | Frisco, TX | Diff |
|---|---|---|---|
| Housing | |||
| Median Home Value | $264,900 | $531,400 | -50.2% |
| Median Monthly Rent | $1,174 | $1,803 | -34.9% |
| Income | |||
| Median Household Income | $69,919 | $144,567 | -51.6% |
| Per Capita Income | $39,726 | $63,571 | -37.5% |
| Taxes | |||
| State Income Tax Rate | 9.8% | None | same |
| Combined Sales Tax | 7.5% | 8.2% | -8.7% |
| Demographics | |||
| Population | 308,806 | 202,075 | +52.8% |
Source: U.S. Census Bureau ACS 5-Year Estimates (2022), Freddie Mac Primary Mortgage Market Survey. State/local tax rates from Tax Foundation (2024).
Rent vs. Buy Calculator — St. Paul
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Rent vs. Buy Calculator — Frisco
Default home price from Census ACS median. Mortgage rate: 6.38% (Freddie Mac PMMS, March 2026). Property tax est. 1.1%, insurance est. 0.35% of home value annually.
Key Takeaways
- Housing: The median home in St. Paul costs $264,900 compared to $531,400 in Frisco — a 50% discount.
- Rent: Median rent is $1,174/mo in St. Paul vs $1,803/mo in Frisco.
- Income: Median household income is $69,919 in St. Paul and $144,567 in Frisco.
- Taxes: Texas has no state income tax, while Minnesota has a 9.85% rate.
Methodology
This comparison uses data from the U.S. Census Bureau American Community Survey 5-Year Estimates (2022) for median household income, median home value, median gross rent, per capita income, and population. State and local tax rates are sourced from the Tax Foundation. Mortgage rates are from the Freddie Mac Primary Mortgage Market Survey (updated weekly).