Is Minneapolis, MN cheaper than San Jose, CA?

Based on cost of living data, Minneapolis, MN is 46.3% cheaper than San Jose, CA. This translates to saving $3470 per month.

What salary do I need in Minneapolis, MN to live like I do in San Jose, CA?

If you earn $150,000 in San Jose, CA, you'd need approximately $108,358.209 in Minneapolis, MN to maintain the same standard of living.

How does housing cost compare between San Jose, CA and Minneapolis, MN?

Housing in Minneapolis, MN is 71.0% cheaper than in San Jose, CA. For a two-bedroom apartment, rent is $1,700/month in Minneapolis, MN compared to $3,445/month in San Jose, CA.

How much can I save per month by moving from San Jose, CA to Minneapolis, MN?

Moving from San Jose, CA to Minneapolis, MN could save you approximately $3470 per month, or $41642 per year, based on a $150,000 salary.

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San Jose, CA

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Minneapolis, MN

Cost of Living Comparison 2026

Current salary in San Jose, CA

Numbers update automatically as you type

You'd save $3.5K/month moving to Minneapolis, MN

$150.0K in your current city equals $108.4K in Minneapolis, MN

Rent data from HUD ZIP-level estimates · COL index from San Jose-Sunnyvale-Santa Clara, CA area

Overall Cost

↓ 46.3%

Less expensive

Monthly Impact

$3,470

Savings

Annual Impact

$41.6K

Per year

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

San Jose, CA

Population:1013K

Cost Index:100

Median Home:$1.35M

Minneapolis, MN

Population:430K

Cost Index:54

Median Home:$308K

San Jose, CA

The Golden State

1.0M

Population

State Tax

Yes

Located in California, this city has a population of 1.0M residents.

Minneapolis, MN

The North Star State

430K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 430K residents.

Cost Breakdown by Category

Annual spending: San Jose, CA vs Minneapolis, MN

Category	San Jose, CA	Minneapolis, MN	Difference	Change
🏠Housing	$9,667/mo	$2,807/mo	↓ $6,861less	71.0%
🛒Groceries	$1,129/mo	$1,029/mo	↓ $99.93less	8.8%
📦Other	$1,825/mo	$1,774/mo	↓ $50.22less	2.8%
🏥Healthcare	$706/mo	$756/mo	↑ $49.57more	7.0%
⚡All Utilities	$464/mo	$508/mo	↑ $43.71more	9.4%
🚗Transportation	$1,407/mo	$1,380/mo	↓ $27.32less	1.9%

🏠Housing

↓ 71.0%

San Jose, CA

$9,667

Minneapolis, MN

$2,807

Difference

$6,861

less

🛒Groceries

↓ 8.8%

San Jose, CA

$1,129

Minneapolis, MN

$1,029

Difference

$99.93

less

📦Other

↓ 2.8%

San Jose, CA

$1,825

Minneapolis, MN

$1,774

Difference

$50.22

less

🏥Healthcare

↑ 7.0%

San Jose, CA

$706

Minneapolis, MN

$756

Difference

$49.57

⚡All Utilities

↑ 9.4%

San Jose, CA

$464

Minneapolis, MN

$508

Difference

$43.71

🚗Transportation

↓ 1.9%

San Jose, CA

$1,407

Minneapolis, MN

$1,380

Difference

$27.32

less

🏠Rent Comparison

Studio

From$2,590

To$1,240

↓ $1,350

1 Bed

From$2,950

To$1,400

↓ $1,550

2 Bed

From$3,445

To$1,700

↓ $1,745

3 Bed

From$4,550

To$2,250

↓ $2,300

San Jose, CAZIP-level data

1BR range: $2,190–$4,060/mo

Minneapolis, MNZIP-level data

1BR range: $1,250–$2,100/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.

$15,199

Monthly in San Jose, CA

$8,254

Monthly in Minneapolis, MN

$6,945

Difference

Home Values

San Jose

Minneapolis

$1.35M

Median Value

$308K

↓ -2.5%

YoY Change

↑ +1%

↑ +35.5%

5-Year Change

↑ +8.2%

$671K - $2.59M

Price Range

$152K - $469K

Homes in Minneapolis are 77% less expensive than San Jose

Calculate payment - San Jose Calculate payment - Minneapolis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $195

Per year

Monthly Difference

$16.22

More take-home

Effective Rate Diff

0.1%

Rate difference

San Jose, CA

Federal Income Tax

Effective: 18.9%

$25.5K

California State Tax

Effective: 7.1%

$10.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.8%

$47.6K

Take-Home Pay

$8,530/month

$102.4K

Minneapolis, 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

Additional Tax Information

San Jose, CA Tax Rates

Sales Tax:10.5%

Property Tax:0.8%

Minneapolis, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 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.