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Source-led head-to-head · 2024 ACS

Moving from St. Paul to Los Angeles

Based on 2024 ACS 5-year data, Los Angeles has higher median income ($81,939 vs $73,394) and higher housing costs (rent $1,933 vs $1,281; home value $921,200 vs $294,500) than St. Paul. LA also has a longer commute (33 vs 23 minutes) and applies a 9.30% state income tax in the calculator, while St. Paul’s tax is excluded per source boundaries. The trade-off involves weighing LA’s income premium against its elevated housing burden, longer commute, and tax cost, versus St. Paul’s lower costs and shorter commute but lower income.

Corridor Direction & Trade-off Delta

Moving from St. Paul to Los Angeles

⇄ Switch to Los AngelesSt. Paul
Median Rent Impact
+$652/mo

Moving to Los Angeles costs ~$7,824 more/yr in rent.

State Tax Treatment
+9.3%

~$9,300 more state tax on a $100k salary in California.

Daily Commute Difference
+10 min / day

Difference of ~83 hours per year spent commuting based on 2024 ACS midpoint averages.

Your move

Compare the life behind the offer.

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What matters most?

Directional estimate using ACS citywide benchmarks. Verified profiles may include a simplified state-tax reference; automatically added profiles exclude state tax until an official reference is approved. Exact tax, benefits, debt, housing, insurance, and personal circumstances may materially change the result.

LIVE VERDICTSTPLAX
37/ 100

The offer needs work

The destination absorbs more of the offer.
Estimated annual life delta$5,856after essentials; unverified state tax excluded
Take-home$69,208$71,176
Core costs$30,372$38,196
Commute time78 hours lost
Best gainA large labor market with a household-income benchmark above New York's
Watch closelyA $921,200 ownership benchmark and a conservative marginal California tax reference
See assumptions and methodology →
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The short answer

In the uniform one-person renting baseline, St. Paul is about $7,824 lower per year. This is not a verdict by itself: replace city medians with the actual offer, address, household, benefits, insurance, and tax details before deciding.

St. Paul household income$73,394
Los Angeles household income$81,939
St. Paul gross rent$1,281
Los Angeles gross rent$1,933

Housing, income, and tax reference

MetricSt. PaulLos Angeles
2024 ACS population307,2843,857,263
Median household income$73,394$81,939
Median gross rent$1,281$1,933
Median owner-occupied home value$294,500$921,200
State-tax treatmentExcluded9.3% simplified
Salary & Affordability Benchmark

How much do you need to earn to live in Los Angeles?

2024 ACS Median Income

$81,939/yr

30% Rule for RentRecommended
$77,320 / year

To afford Los Angeles's median gross rent of $1,933/mo at or below 30% of gross earnings, a household needs approximately $37.17/hour (full-time).

28% Rule for HomeownershipMedian Home
$233,571 / year

Modeled against Los Angeles's median home benchmark of $921,200 (estimated $5,450/mo ownership carrying cost at typical 7.1% baseline).

Slide to test your income against local rent, taxes, and essentials.
$81,939gross/year
Affordability Status:Balanced
Rent is 28% of gross income (45% of net pay)

Rent aligns with the standard 30% rule (28% of gross pay). Standard budgeting applies.

Monthly Budget AllocationEstimated Net Take-Home: $4,339/mo
Tax 36%
Rent 28%
Essentials 18%
Savings 18%
Taxes: $2,458/mo Rent: $1,933/mo Essentials: $1,250/mo Discretionary Margin: $1,156/mo

Time and daily routine

The commute-time distribution produces a weighted one-way estimate of about 23 minutes in St. Paul and 33 minutes in Los Angeles. This citywide estimate cannot capture a specific route, remote-work schedule, or transit choice, so the calculator converts it into an explicit time difference instead of hiding it in a subjective lifestyle score.

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Decision checklist

  • Median household income
  • Median gross rent
  • Median owner-occupied home value
  • One-way commute time
  • State income tax in calculator

What each city wins

St. Paul

Mixed affordability. Watch rent vs income balance.

Los Angeles

A large labor market with a household-income benchmark above New York's. Watch a $921,200 ownership benchmark and a conservative marginal california tax reference.

Frequently asked questions

How do housing costs compare between the two cities?

Los Angeles has significantly higher housing costs: median gross rent is $1,933/month versus $1,281 in St. Paul, and median home value is $921,200 versus $294,500, based on 2024 ACS 5-year estimates.

What is the difference in commute time and income between the cities?

Los Angeles residents have a 10-minute longer average commute (33 vs 23 minutes) but earn $8,545 more in median household income annually than St. Paul residents, according to 2024 ACS data.

Source boundary: Core figures come from the 2024 ACS five-year tables linked on each city profile. Commute is derived from B08303 midpoint weighting. A state-tax value without an approved official reference is excluded and disclosed. This comparison becomes index-eligible only after its unique analysis clears the content quality gate.

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