Saint Paul MN vs Schenectady NY — 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%
Schenectady, NY
New York · Population: 28,542
- Median HH Income$100,485
- Median Home Price$321,835
- Unemployment2.3%
- Bachelor's+58.8%
Detailed Comparison
Demographics
Population
Saint Paul
307,762
Saint Paul +
Schenectady
28,542
Pop. Density / sq mi
Lower = more space
Saint Paul
N/A
Schenectady
N/A
Median Age
Saint Paul
33.5
Saint Paul +
Schenectady
42.3
Foreign Born
Saint Paul
18.7%
Saint Paul +
Schenectady
6.8%
White
Saint Paul
53.2%
Schenectady
86.7%
Schenectady +
Black
Saint Paul
16.2%
Saint Paul +
Schenectady
3.1%
Asian
Saint Paul
17.9%
Saint Paul +
Schenectady
3.0%
Hispanic
Saint Paul
9.1%
Saint Paul +
Schenectady
4.7%
Spanish at Home
Saint Paul
N/A
Schenectady
N/A
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Population | 307,762 | 28,542 | Saint Paul + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.5 | 42.3 | Saint Paul + |
| Foreign Born | 18.7% | 6.8% | Saint Paul + |
| White | 53.2% | 86.7% | Schenectady + |
| Black | 16.2% | 3.1% | Saint Paul + |
| Asian | 17.9% | 3.0% | Saint Paul + |
| Hispanic | 9.1% | 4.7% | Saint Paul + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Saint Paul
$73,055
Schenectady
$100,485
Schenectady +
Per Capita Income
Saint Paul
$41,594
Schenectady
$62,931
Schenectady +
Per Capita Personal Income (MSA)
BEA MSA-level
Saint Paul
$69,467
Schenectady
$77,425
Schenectady +
Unemployment Rate
Saint Paul
4.9%
Schenectady
2.3%
Schenectady +
Poverty Rate
Saint Paul
15.8%
Schenectady
10.3%
Schenectady +
Bachelor's Degree+
Saint Paul
43.5%
Schenectady
58.8%
Schenectady +
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Median HH Income | $73,055 | $100,485 | Schenectady + |
| Per Capita Income | $41,594 | $62,931 | Schenectady + |
| Per Capita Personal Income (MSA)BEA MSA-level | $69,467 | $77,425 | Schenectady + |
| Unemployment Rate | 4.9% | 2.3% | Schenectady + |
| Poverty Rate | 15.8% | 10.3% | Schenectady + |
| Bachelor's Degree+ | 43.5% | 58.8% | Schenectady + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Saint Paul
$297,021
Saint Paul +
Schenectady
$321,835
Homeownership Rate
Saint Paul
53.2%
Schenectady
57.5%
Schenectady +
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $297,021 | $321,835 | Saint Paul + |
| Homeownership Rate | 53.2% | 57.5% | Schenectady + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Saint Paul
284
Saint Paul +
Schenectady
434
Property Crime / 100K
FBI CDE (state-level est.)
Saint Paul
1992
Schenectady
1736
Schenectady +
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 284 | 434 | Saint Paul + |
| Property Crime / 100KFBI CDE (state-level est.) | 1992 | 1736 | Schenectady + |
Health
Obesity Rate
CDC PLACES
Saint Paul
N/A
Schenectady
38.6%
Diabetes Rate
CDC PLACES
Saint Paul
N/A
Schenectady
12.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Saint Paul
N/A
Schenectady
19.2%
No Health Insurance
CDC PLACES
Saint Paul
N/A
Schenectady
9.7%
Binge Drinking
CDC PLACES
Saint Paul
N/A
Schenectady
15.2%
Current Smokers
CDC PLACES
Saint Paul
N/A
Schenectady
16.9%
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | N/A | 38.6% | - |
| Diabetes RateCDC PLACES | N/A | 12.3% | - |
| Poor Mental HealthCDC PLACES — 14+ days/month | N/A | 19.2% | - |
| No Health InsuranceCDC PLACES | N/A | 9.7% | - |
| Binge DrinkingCDC PLACES | N/A | 15.2% | - |
| Current SmokersCDC PLACES | N/A | 16.9% | - |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Saint Paul
N/A
Schenectady
N/A
Annual Precipitation
NOAA 1991–2020 normal
Saint Paul
N/A
Schenectady
N/A
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Saint Paul
8.1 µg/m³
Schenectady
8.1 µg/m³
Tie
Good Air Days
AQI ≤ 50
Saint Paul
75.0%
Schenectady
75.0%
Tie
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.1 µg/m³ | 8.1 µg/m³ | Tie |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Saint Paul
24.1 min
Saint Paul +
Schenectady
26.2 min
| Metric | Saint Paul, MN | Schenectady, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 24.1 min | 26.2 min | Saint Paul + |
Which City is Right for You?
Schenectady leads in median household income at $100,485, 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 434 in Schenectady. Schenectady has a lower unemployment rate at 2.3%, and Schenectady has cleaner air (PM2.5 avg 8.1 µg/m³).
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