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What’s the Cost of Living in Saint Paul, MN?

You will need to find a location to retire that fits your budget, which means you will need to determine how much it costs to live there. According to Forbes, the cost of living in Saint Paul is very comparable to the national average and is only 0.6 percent above the nation.

Below is a breakdown of costs in each of the main expense categories. This outline will help you see how much you need to save and look for ways to lower costs.


The median home value was $192,500 in Saint Paul last year. This value was an increase of 13.1 from the previous year. Zillow predicts the housing market prices in Saint Paul will continue to rise by 4.9 percent during this year. The average rent for an apartment was around $1,259 within in the city of Saint Paul as of February 2017. One-bedroom apartments rent for around $1,123 a month, while two bedroom-apartments cost about $1,411.

An electric bill in Saint Paul averages about $159 a month, which is lower than the national average. The average electricity rate in Saint Paul is 3.37 percent less than the rest of the country.


Some groceries tend to be slightly more expensive in Saint Paul. Consumers spend an average of $3.76 for ground beef, $2.24 for milk, and $10.57 for a pizza.


The average gas price in Saint Paul was around $1.97 a gallon, which is slightly lower than the national rate. Retirees save on gas because they don’t have the daily commute to work.

You can also save money by riding public transportation. A local bus ride costs $.75 for seniors during non-rush hours.

The average rate for car insurance in Minnesota was around $835 a year. These rates can vary based on your driving record, type and year of your vehicle, the amount you drive, and discounts on your policy. You can get discounts for bundling your home and auto policy.

Senior Health Care

The cost of senior care is mostly higher than the national average. Assisted living care in Saint Paul was about $48,000 annually, which is slightly greater than the national average rate of $46,000. The national average cost for nursing home care is $80,300 for a semi-private room and $91,250 for a private room. Nursing home care costs in Saint Paul are higher and cost about $81,800 for a semi-private room and $89,000 for a private room.

Adult day care services are also higher than the national average with rates in Saint Paul averaging $21,000. Home health aide costs average $66,350 in Saint Paul, which is significantly greater than the national average of $46,000.

Make sure you are paying the best rate by shopping through different companies. The rates of your insurance and utilities could vary by company. Find housing that allows you to walk instead of driving, and you will save money on transportation and get some exercise.

Learn more about Saint Paul Retirement Planning here:

How Much Does It Cost to Retire in Saint Paul, MN?

Saint Paul Financial Advisors

Saint Paul Elder Law Attorneys

Saint Paul Senior Realtors

Saint Paul Senior Movers and Downsizers

Saint Paul Neighborhood Guide

Live Like a Local in Saint Paul

Saint Paul Demographics and Lifestyle

Find assisted living in Saint Paul near you.