Monthly estimate = 1BR rent + electricity + gas
A one-person monthly baseline (1BR rent plus typical utilities) runs $2,100 in Jersey City, NJ versus $1,310 in St. Paul, MN. Overall, St. Paul, MN is roughly 38% cheaper to live in day-to-day than Jersey City, NJ, driven mainly by rent.
Median household income is $94,813 in Jersey City, NJ and $73,055 in St. Paul, MN — about 23% higher in Jersey City, NJ. New Jersey has a top state income tax rate of 10.75% and a 6.625% state sales tax; Minnesota has a top state income tax rate of 9.85% and a 6.875% state sales tax.
Rent
Buying a Home
Income
People & Lifestyle
Crime (per 100k/yr)
FBI Crime Data Explorer. Offenses per 100,000 residents per year; agency reporting practices vary, so this is approximate.
Climate
Gas
Area: East Coast (PADD 1) vs Minnesota.
Utilities
Residential, state-level averages (EIA). MCF = 1,000 cubic feet.
Groceries
Average prices — Northeast vs Midwest (BLS). Regional where available, otherwise U.S. average.
State Taxes
Jersey City vs St. Paul — FAQ
- Is it cheaper to live in Jersey City or St. Paul?
- St. Paul, MN is cheaper. Its monthly baseline of $1,310 (1BR rent + utilities) runs about 38% below Jersey City, NJ's $2,100, mainly because of rent.
- How much more do you need to earn to live in Jersey City than in St. Paul?
- To keep rent near the recommended 30% of gross income, you'd want to earn roughly $74,000 a year in Jersey City versus $45,000 in St. Paul.
- Which has lower taxes, Jersey City or St. Paul?
- Jersey City is taxed under New Jersey's rules (a top state income tax rate of 10.75% and a 6.625% state sales tax); St. Paul under Minnesota's (a top state income tax rate of 9.85% and a 6.875% state sales tax).
Sources: US Census Bureau, ACS 5-Year (rent, income, home value, demographics); NOAA Climate Normals 1981–2010 (climate); EIA weekly retail (gas); Tax Foundation 2026 (state taxes).