Saint Paul MN vs San Francisco CA — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Saint Paul, MN
Minnesota · Population: 307,762
- Median HH Income$73,055
- Median Home Price$297,021
- Unemployment4.9%
- Bachelor's+43.5%
San Francisco, CA
California · Population: 836,321
- Median HH Income$141,446
- Median Home Price$1,369,171
- Unemployment5.6%
- Bachelor's+60.1%
Detailed Comparison
Demographics
Population
Saint Paul
307,762
San Francisco
836,321
San Francisco +
Pop. Density / sq mi
Lower = more space
Saint Paul
N/A
San Francisco
N/A
Median Age
Saint Paul
33.5
Saint Paul +
San Francisco
39.7
Foreign Born
Saint Paul
18.7%
San Francisco
34.2%
San Francisco +
White
Saint Paul
53.2%
Saint Paul +
San Francisco
40.5%
Black
Saint Paul
16.2%
Saint Paul +
San Francisco
5.1%
Asian
Saint Paul
17.9%
San Francisco
35.0%
San Francisco +
Hispanic
Saint Paul
9.1%
San Francisco
15.9%
San Francisco +
Spanish at Home
Saint Paul
N/A
San Francisco
N/A
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Population | 307,762 | 836,321 | San Francisco + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.5 | 39.7 | Saint Paul + |
| Foreign Born | 18.7% | 34.2% | San Francisco + |
| White | 53.2% | 40.5% | Saint Paul + |
| Black | 16.2% | 5.1% | Saint Paul + |
| Asian | 17.9% | 35.0% | San Francisco + |
| Hispanic | 9.1% | 15.9% | San Francisco + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Saint Paul
$73,055
San Francisco
$141,446
San Francisco +
Per Capita Income
Saint Paul
$41,594
San Francisco
$90,285
San Francisco +
Per Capita Personal Income (MSA)
BEA MSA-level
Saint Paul
$69,467
San Francisco
$77,230
San Francisco +
Unemployment Rate
Saint Paul
4.9%
Saint Paul +
San Francisco
5.6%
Poverty Rate
Saint Paul
15.8%
San Francisco
10.6%
San Francisco +
Bachelor's Degree+
Saint Paul
43.5%
San Francisco
60.1%
San Francisco +
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Median HH Income | $73,055 | $141,446 | San Francisco + |
| Per Capita Income | $41,594 | $90,285 | San Francisco + |
| Per Capita Personal Income (MSA)BEA MSA-level | $69,467 | $77,230 | San Francisco + |
| Unemployment Rate | 4.9% | 5.6% | Saint Paul + |
| Poverty Rate | 15.8% | 10.6% | San Francisco + |
| Bachelor's Degree+ | 43.5% | 60.1% | San Francisco + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Saint Paul
$297,021
Saint Paul +
San Francisco
$1,369,171
Homeownership Rate
Saint Paul
53.2%
Saint Paul +
San Francisco
38.5%
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $297,021 | $1,369,171 | Saint Paul + |
| Homeownership Rate | 53.2% | 38.5% | Saint Paul + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Saint Paul
284
Saint Paul +
San Francisco
503
Property Crime / 100K
FBI CDE (state-level est.)
Saint Paul
1992
Saint Paul +
San Francisco
2388
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 284 | 503 | Saint Paul + |
| Property Crime / 100KFBI CDE (state-level est.) | 1992 | 2388 | Saint Paul + |
Health
Obesity Rate
CDC PLACES
Saint Paul
N/A
San Francisco
17.5%
Diabetes Rate
CDC PLACES
Saint Paul
N/A
San Francisco
9.7%
Poor Mental Health
CDC PLACES — 14+ days/month
Saint Paul
N/A
San Francisco
14.5%
No Health Insurance
CDC PLACES
Saint Paul
N/A
San Francisco
6.6%
Binge Drinking
CDC PLACES
Saint Paul
N/A
San Francisco
19.6%
Current Smokers
CDC PLACES
Saint Paul
N/A
San Francisco
9.1%
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | N/A | 17.5% | - |
| Diabetes RateCDC PLACES | N/A | 9.7% | - |
| Poor Mental HealthCDC PLACES — 14+ days/month | N/A | 14.5% | - |
| No Health InsuranceCDC PLACES | N/A | 6.6% | - |
| Binge DrinkingCDC PLACES | N/A | 19.6% | - |
| Current SmokersCDC PLACES | N/A | 9.1% | - |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Saint Paul
N/A
San Francisco
55.3°F
Annual Precipitation
NOAA 1991–2020 normal
Saint Paul
N/A
San Francisco
20.7 in
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 55.3°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 20.7 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Saint Paul
8.1 µg/m³
San Francisco
7.9 µg/m³
San Francisco +
Good Air Days
AQI ≤ 50
Saint Paul
75.0%
San Francisco
75.0%
Tie
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.1 µg/m³ | 7.9 µg/m³ | San Francisco + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Saint Paul
24.1 min
Saint Paul +
San Francisco
33.9 min
| Metric | Saint Paul, MN | San Francisco, CA | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 24.1 min | 33.9 min | Saint Paul + |
Which City is Right for You?
San Francisco leads in median household income at $141,446, while saint Paul offers more affordable housing with a median home price of $297,021. On public safety, Saint Paul is safer with a violent crime rate of 284 per 100,000 residents, compared to 503 in San Francisco. Saint Paul has a lower unemployment rate at 4.9%, and San Francisco has cleaner air (PM2.5 avg 7.9 µg/m³).
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