B-
2%
Overall NAT. AVG.
5%
Goods & Services NAT. AVG.
16%
Housing NAT. AVG.
Search Homes for Sale
Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Crystal Minnesota National
Cost of living10299100
Goods & Services95100100
Groceries9798100
Health care101109100
Housing116100100
Transportation9797100
Utilities9593100

An Overview of Cost of Living in Crystal, MN

Are you thinking about relocating, but curious about the potential cost of living in Crystal? Is it more expensive or more affordable than average? Based on the most recent report, the cost of living in Crystal stands at 102, making it 2% higher than the national average. The cost of living directly affects the affordability of one's desired lifestyle. Knowing the cost of housing, transportation, groceries and other essentials in the new area allows people to gauge whether they can maintain their preferred standard of living.

Everyday expenditures like food, housing, goods and services, transportation and health care in Crystal are priced in a manner consistent with other areas. This means that residents of Crystal can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

Is Crystal Affordable?

Wondering if Crystal is affordable? It's a question that often comes up when you're thinking about a new city since affordability can really shape your decisions. The cost of living index (covered earlier), housing expenses and income levels all play a part in the affordability equation. In Crystal, for example, the median home price is 14.7% higher than what folks pay nationally, and monthly rent is 19.3% higher than the usual rates. Plus, income levels matter too, with Crystal boasting a median household income of $70,724, which is 27.8% higher than the national average.

What Factors can Influence the Cost of Living in Crystal?

Subsidies: Certain cities or states may institute government subsidies or assistance programs designed to alleviate the financial burdens associated with the cost of living for their residents. These programs encompass a variety of support mechanisms, including Medicare, Medicaid, housing subsidies, low-income home energy assistance programs, school lunch programs, supplemental nutrition assistance programs, student loans, electric vehicle tax credits, affordable care act subsidies and farm subsidies. Areas that provide fewer subsidies may see an uptick in their overall cost of living.

Housing: Elevated demand for housing within coveted locales has the propensity to escalate both property values and rental rates, thereby serving as a primary catalyst for an augmented cost of living. Conversely, areas witnessing diminished housing demand, particularly within less desirable environs, often experience an inversely proportional effect, leading to price reductions and subsequently contributing to a more modest cost of living. In Crystal, the housing index is 16.1% higher than the national average.

Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Crystal, the groceries index is 2.6% lower than the national average.

Where is the Data From?

The Crystal cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. The index takes into account data from 300 independent researches, covering more than 60 goods and services across 6 different categories, to create an overall index for each area, with 100 being the average. The C2ER index does not include sales or income tax rates in their data, however AreaVibes does include both income and sales tax rates in the overall cost of living score for each area.

New Real Estate Listings in Crystal Area
Search Homes for Sale in Crystal, MN

Cost Of Living Quick Facts

  • The cost of living in Crystal is 3% higher than the Minnesota average
  • The cost of living in Crystal is 2% higher than the national average
  • Crystal housing is 16% higher than the national average
  • Minnesota general sales tax is 35% higher than the national average
  • Minnesota state income tax is 106% higher than the national average

Most Affordable Places to Live in and Around Crystal

See all the best places to live around Crystal

Compare Crystal, MN Cost of Living

      vs
      How would you rate the cost of living in Crystal?
      Write a review to give others more information about this area.
      Is the cost of living increasing or decreasing in Crystal?
      Write a review to give others more information about this area.
      See all Crystal poll results

      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$83,977$6,998$1,959$2,520
      Renters$40,380$3,365$942$1,212
      To approximate the cost of living and the housing affordability in Crystal, MN, we can look at the percentage of income that is available to be spent on monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side, a consumer should not spend more than 28% of his or her gross income on housing-related expenses and costs and not more than 36% of income on all expenses and debts. Homeowners in Crystal have a median income of $83,977. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,959 per month to avoid calamity and poverty. The renters in the city have an income of about $40,380, which would make their monthly maximum allowable rental costs $942.

      Minnesota Sales Tax

      State General Sales Tax With Max Surtax
      Minnesota 6.875% 7.875%

      Minnesota Income Tax

      State Income Tax (Low) Income Tax (High)
      Minnesota 5.35% 9.85%

      Goods & Services

      Item Crystal National avg. Difference
      Haircut $25.86$24.266.6%
      Beauty Salon $37.00$45.5618.8%
      Toothpaste $3.62$3.702.2%
      Shampoo $1.50$1.2816.9%
      Movie $11.32$12.136.7%
      Bowling $25.68$18.0042.6%

      Groceries

      Item Crystal National avg. Difference
      Ground Beef $5.75$5.841.4%
      Fried Chicken $1.40$1.5711.2%
      Milk $4.60$4.671.5%
      Potatoes $4.76$4.933.5%
      Pizza $13.00$12.097.6%
      Beer $9.44$10.419.3%

      Health Care

      Item Crystal National avg. Difference
      Optometrist $112.72$125.6810.3%
      Doctor $164.15$135.7820.9%
      Dentist $95.01$113.2916.1%
      Ibuprofen $10.71$10.650.6%
      Lipitor $499.35$468.606.6%

      Housing

      Item Crystal National avg. Difference
      Home Price $211,800.00$184,700.0014.7%
      Avg. Mortgage Payment $1,983.77$2,346.6915.5%
      Apartment Rent $1,132.00$949.0019.3%

      Transportation

      Item Crystal National avg. Difference
      Gasoline $3.32$3.464.0%
      Tire Balancing $59.91$59.920.0%

      Utilities

      Item Crystal National avg. Difference
      All Electricity $180.11$193.997.2%
      Phone $187.59$192.252.4%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      South End, MN657525.2%
      Hilltop, MN1,0077722.8%
      St. Anthony city (Stearns County), MN1068019.7%
      Columbia Heights, MN20,247991.3%
      Brooklyn Center, MN30,755990.7%
      Crystal, MN22,9371022.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Morton Grove, IL22,93712929.0%
      Jenks, OK22,9331033.1%
      Oakdale, CA22,93212626.2%
      Kingston, NY22,9541033.4%
      Webster Groves, MO22,90611312.7%
      Crystal, MN22,9371022.1%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.