Saint Paul, MN vs. Plymouth, MN: Cost of Living Comparison (2025)
Deciding between living in Saint Paul or Plymouth, Minnesota? This cost of living comparison breaks down the key differences in housing, utilities, groceries, and other expenses in 2025. Whether you’re relocating for work, buying a home, or renting, see which Twin Cities suburb fits your lifestyle and budget best.
Housing Costs
Housing is typically the biggest factor in cost of living. Here’s how Saint Paul and Plymouth stack up for common housing options:
| Housing Type | Saint Paul | Plymouth |
|---|---|---|
| Median Home Price | $325,000 | $450,000 |
| 2BR Apartment Rent | $1,500 | $1,800 |
| 3BR House Rent | $2,200 | $2,600 |
🏆 Winner: Saint Paul. Housing costs an estimated 20-30% less in Saint Paul compared to Plymouth across the board.
Utilities and Energy Costs
Utility bills are fairly comparable between the two cities. Expect to pay around $150-200 per month for electricity, gas, water, and trash service for a 2BR apartment in either location. Costs may be slightly higher in winter due to heating needs.
🏆 Winner: Tie. No significant difference in utility costs.
Groceries and Daily Expenses
Grocery prices and everyday purchases like gas and goods are very similar between Saint Paul and Plymouth. Budget around $400-500 per month for groceries for a couple. Dining out is also comparable, with a nice meal for two ranging from $50-80 in either city.
🏆 Winner: Tie. Grocery and daily costs are neck and neck.
Taxes and Fees
Three key tax differences to note between Saint Paul and Plymouth:
- Property taxes are about 15% higher in Plymouth (1.2% average rate vs 1.05% in Saint Paul)
- Saint Paul charges a 0.5% city sales tax on top of the state rate
- Vehicle registration fees are $20 higher per year in Plymouth
🏆 Winner: Saint Paul. Lower property taxes give Saint Paul the edge, especially for homeowners.
Cost of Living Summary
| Category | Saint Paul | Plymouth |
|---|---|---|
| Housing | $1,500 | $1,800 |
| Utilities | $175 | $175 |
| Groceries | $450 | $450 |
| Transportation | $75 | $100 |
| Taxes | $350 | $450 |
| Misc | $250 | $250 |
| Estimated Monthly Total | $2,800 | $3,225 |
All figures above are estimates based on a gross monthly income (pre-tax) and will vary by household. See a full breakdown of how much it costs to live in Saint Paul each month.
Lifestyle Fit
Cost aside, Saint Paul and Plymouth offer distinct vibes. A few key differences:
- Saint Paul has a more urban feel, with walkable neighborhoods and public transit. Plymouth is more sprawling and car-dependent.
- Plymouth’s schools rank slightly higher than Saint Paul Public Schools.
- Saint Paul offers more arts and culture, while Plymouth has more parks and trails.
Frequently Asked Questions
Q: Is Saint Paul more affordable than Plymouth?
A: Yes, Saint Paul is generally 10-15% cheaper than Plymouth, mainly due to lower housing and tax costs.
Q: Which city has lower rent?
A: Rent prices are about 20% lower on average in Saint Paul compared to Plymouth.
Q: Where is it cheaper to buy a home?
A: Home prices and property taxes are significantly lower in Saint Paul, making it more affordable for buyers.
Conclusion
While just 15 miles apart, the cost of living in Saint Paul vs Plymouth can differ by over $400 per month, mainly due to housing. Saint Paul is ideal for those seeking an urban lifestyle on a budget, while Plymouth offers top schools and suburban comforts for a bit more. Ultimately, both are great options depending on your priorities.
Planning a move to the Twin Cities? Our Best Moving Companies Guide can help you find reliable movers to make your relocation a breeze. And be sure to check out our other cost of living breakdowns for major cities in Minnesota.