Is Springfield, MO cheaper than Saint Paul, MN?

Based on cost of living data, Springfield, MO is 18.6% cheaper than Saint Paul, MN. This translates to saving $1398 per month.

What salary do I need in Springfield, MO to live like I do in Saint Paul, MN?

If you earn $150,000 in Saint Paul, MN, you'd need approximately $133,226.116 in Springfield, MO to maintain the same standard of living.

How does housing cost compare between Saint Paul, MN and Springfield, MO?

Housing in Springfield, MO is 34.1% cheaper than in Saint Paul, MN. For a two-bedroom apartment, rent is $913/month in Springfield, MO compared to $1,500/month in Saint Paul, MN.

How much can I save per month by moving from Saint Paul, MN to Springfield, MO?

Moving from Saint Paul, MN to Springfield, MO could save you approximately $1398 per month, or $16774 per year, based on a $150,000 salary.

Saint Paul, MN vs Springfield, MO: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in Saint Paul, MN

Numbers update automatically as you type

You'd save $1.4K/month moving to Springfield, MO

$150.0K in your current city equals $133.2K in Springfield, MO

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area

Overall Cost

↓ 18.6%

Less expensive

Monthly Impact

$1,398

Savings

Annual Impact

$16.8K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Saint Paul, MN

Population:308K

Cost Index:

100

100 = national average

Median Home:$274K

Springfield, MO

Population:170K

Cost Index:

(19% below avg)

Median Home:$226K

Saint Paul, MN

The North Star State

308K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 308K residents.

Springfield, MO

The Show-Me State

170K

Population

State Tax

Yes

Located in Missouri, this city has a population of 170K residents.

Cost Breakdown by Category

Annual spending: Saint Paul, MN vs Springfield, MO

Category	Saint Paul, MN	Springfield, MO	Difference	Change
Housing	$2,807/mo	$1,850/mo	↓ $957less	34.1%
Other	$1,774/mo	$1,569/mo	↓ $205less	11.6%
Transportation	$1,380/mo	$1,187/mo	↓ $193less	14.0%
Healthcare	$756/mo	$600/mo	↓ $156less	20.6%
Groceries	$1,029/mo	$938/mo	↓ $91.23less	8.9%
All Utilities	$508/mo	$529/mo	↑ $20.95more	4.1%

Housing

↓ 34.1%

Saint Paul, MN

$2,807

Springfield, MO

$1,850

Difference

$957

less

Other

↓ 11.6%

Saint Paul, MN

$1,774

Springfield, MO

$1,569

Difference

$205

less

Transportation

↓ 14.0%

Saint Paul, MN

$1,380

Springfield, MO

$1,187

Difference

$193

less

Healthcare

↓ 20.6%

Saint Paul, MN

$756

Springfield, MO

$600

Difference

$156

less

Groceries

↓ 8.9%

Saint Paul, MN

$1,029

Springfield, MO

$938

Difference

$91.23

less

All Utilities

↑ 4.1%

Saint Paul, MN

$508

Springfield, MO

$529

Difference

$20.95

🏠Rent Comparison

Studio

From$1,000

To$730

↓ $270

1 Bed

From$1,200

To$739

↓ $461

2 Bed

From$1,500

To$913

↓ $587

3 Bed

From$2,100

To$1,245

↓ $855

Springfield, MOZIP-level data

1BR range: $790–$1,020/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,254

Monthly in Saint Paul, MN

$6,673

Monthly in Springfield, MO

$1,581

Difference

Home Values

Saint Paul

Springfield

$274K

Median Value

$226K

↓ -0.1%

YoY Change

↑ +1.2%

↑ +13.6%

5-Year Change

↑ +44.6%

$175K - $452K

Price Range

$132K - $434K

Homes in Springfield are 18% less expensive than Saint Paul

Calculate payment - Saint Paul Calculate payment - Springfield

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $2.5K

Per year

Monthly Difference

$209

More take-home

Effective Rate Diff

1.7%

Rate difference

Saint Paul, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Springfield, MO

Federal Income Tax

Effective: 18.9%

$25.5K

Missouri State Tax

Effective: 5.3%

$7.9K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.0%

$44.9K

Take-Home Pay

$8,755/month

$105.1K

Additional Tax Information

Saint Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Springfield, MO Tax Rates

Sales Tax:8.2%

Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.