Is Cleveland, OH cheaper than St. Paul, MN?

Based on cost of living data, Cleveland, OH is 21.9% cheaper than St. Paul, MN. This translates to saving $1643 per month.

What salary do I need in Cleveland, OH to live like I do in St. Paul, MN?

If you earn $150,000 in St. Paul, MN, you'd need approximately $130,285.714 in Cleveland, OH to maintain the same standard of living.

How does housing cost compare between St. Paul, MN and Cleveland, OH?

Housing in Cleveland, OH is 38.5% cheaper than in St. Paul, MN. For a two-bedroom apartment, rent is $1,180/month in Cleveland, OH compared to $1,680/month in St. Paul, MN.

How much can I save per month by moving from St. Paul, MN to Cleveland, OH?

Moving from St. Paul, MN to Cleveland, OH could save you approximately $1643 per month, or $19714 per year, based on a $150,000 salary.

St. Paul, MN vs Cleveland, OH: Cost of Living Comparison 2026

Tap to swap

Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

Current salary in St. Paul, MN

Numbers update automatically as you type

You'd save $1.6K/month moving to Cleveland, OH

$150.0K in your current city equals $130.3K in Cleveland, OH

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

Overall Cost

↓ 21.9%

Less expensive

Monthly Impact

$1,643

Savings

Annual Impact

$19.7K

Per year

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

St. Paul, MN

Population:304K

Cost Index:

100

100 = national average

Median Home:$274K

Cleveland, OH

Population:384K

Cost Index:

(22% below avg)

Median Home:$128K

St. Paul, MN

The North Star State

304K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 304K residents.

Cleveland, OH

The Buckeye State

384K

Population

State Tax

Yes

Located in Ohio, this city has a population of 384K residents.

Cost Breakdown by Category

Annual spending: St. Paul, MN vs Cleveland, OH

Category	St. Paul, MN	Cleveland, OH	Difference	Change
Housing	$2,703/mo	$1,663/mo	↓ $1,039less	38.5%
Healthcare	$756/mo	$527/mo	↓ $229less	30.3%
Other	$1,724/mo	$1,557/mo	↓ $167less	9.7%
Groceries	$1,029/mo	$969/mo	↓ $59.96less	5.8%
All Utilities	$508/mo	$464/mo	↓ $43.71less	8.6%
Transportation	$1,380/mo	$1,366/mo	↓ $13.66less	1.0%

Housing

↓ 38.5%

St. Paul, MN

$2,703

Cleveland, OH

$1,663

Difference

$1,039

less

Healthcare

↓ 30.3%

St. Paul, MN

$756

Cleveland, OH

$527

Difference

$229

less

Other

↓ 9.7%

St. Paul, MN

$1,724

Cleveland, OH

$1,557

Difference

$167

less

Groceries

↓ 5.8%

St. Paul, MN

$1,029

Cleveland, OH

$969

Difference

$59.96

less

All Utilities

↓ 8.6%

St. Paul, MN

$508

Cleveland, OH

$464

Difference

$43.71

less

Transportation

↓ 1.0%

St. Paul, MN

$1,380

Cleveland, OH

$1,366

Difference

$13.66

less

🏛️ Local Income Taxes

Cleveland, OH: Cleveland Municipal Income Tax$3,750/yr (2.5%)

St. Paul, MN has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$1,220

To$860

↓ $360

1 Bed

From$1,380

To$980

↓ $400

2 Bed

From$1,680

To$1,180

↓ $500

3 Bed

From$2,225

To$1,520

↓ $705

St. Paul, MNZIP-level data

1BR range: $1,250–$1,680/mo

Cleveland, OHZIP-level data

1BR range: $810–$1,590/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.

$8,100

Monthly in St. Paul, MN

$6,546

Monthly in Cleveland, OH

$1,553

Difference

Home Values

St. Paul

Cleveland

Median Value

$128K

YoY Change

↓ -2.1%

5-Year Change

↑ +21.7%

Price Range

$59K - $291K

Calculate payment - Cleveland

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $6.0K

Per year

Monthly Difference

$500

More take-home

Effective Rate Diff

4.0%

Rate difference

St. 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

Cleveland, OH

Federal Income Tax

Effective: 18.9%

$25.5K

Ohio State Tax

Effective: 3.0%

$4.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.6%

$41.4K

Take-Home Pay

$9,047/month

$108.6K

Additional Tax Information

St. Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Cleveland, OH Tax Rates

Sales Tax:7.2%

Property Tax:1.6%

💡 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.