Salary Needed to Live in St. Paul as a Family
A family of four (2 adults, 2 children) needs approximately $57,946/year to live comfortably in St. Paul, MN — including 15% savings.
Comfortable Salary
$57,946
with 15% savings
Bare Minimum
$46,200
no savings buffer
Monthly Expenses
$2,849
2% below national avg
Detailed Monthly Budget for a Family in St. Paul
| Expense | St. Paul | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 3BR Apartment/House Rent | $194 | $209 | -7% |
| 🛒 Groceries | $53 | $44 | +20% |
| ⚡ Utilities | $29 | $28 | +4% |
| 🚗 Transportation | $41 | $44 | -7% |
| 🛡️ Car Insurance | $159 | $211 | -25% |
| 🏥 Health Insurance | $43 | $53 | -19% |
| Childcare/After-school | $1,200 | $1,200 | 0% |
| Internet + Phones | $180 | $180 | 0% |
| Children Activities | $250 | $250 | 0% |
| Dining Out | $350 | $350 | 0% |
| School Supplies & Clothing | $200 | $200 | 0% |
| Healthcare Co-pays | $150 | $150 | 0% |
| Total Monthly | $2,849 | $2,919 | -2% |
How We Calculated the Salary
Monthly expenses:$2,849
Target savings (15%):$631/mo
Monthly after-tax needed:$3,480
Effective tax rate:26%
Gross annual salary needed:$57,946
Other Household Types in St. Paul
Related Pages
FAQ
What salary does a family with kids need in St. Paul?
A family with kids needs approximately $57,946/year ($4,829/month gross) to live comfortably in St. Paul with a 15% savings rate.
How much is rent for a family with kids in St. Paul?
A 3br apartment/house in St. Paul costs approximately $194/month, which is the largest single expense at 7% of the total budget.
Is St. Paul affordable for a family with kids?
St. Paul is roughly average for family with kids costs, requiring a salary close to the national median.