Duluth cost of living index

In the event that the cost of living data was unavailable for this city, estimates based upon nearby cities were used. Each cost of living index is based on a national average of 100. If the amount is below 100, it is lower than the national average. If the amount is above 100, it is higher than the national average.
IndexDuluthMinnesotaNational
Cost of living index96102100
IndexDuluthMinnesotaNational
Goods & Services index103106100
Groceries index110105100
Health care index113110100
Housing index82101100
Transportation index10398100
Utilities index8591100
A general summary of the cost of living index in Duluth, MN is shown above. Compared to the state average of Minnesota the cost of living index in Duluth, MN is 96, which is 6% lower than the average in Minnesota and compared to the national average it is 4% lower than. The cost of living index is made up of several categories. These are transportation at 9%, utilities at 10%, goods and services at 33%, housing at 30%, groceries at 13%, and health care at 5%. The bulk of the cost of living index comes from the categories of goods and services and housing. If you look at everyday goods and services they can be a good indicator in a certain city of the general costs of goods there. In Duluth, MN goods and services come in at 3% lower than the average in Minnesota and are 3% higher than compared to the nationwide average.

Did you know?

  • The cost of living in Duluth is 6% lower than the Minnesota average.
  • The cost of living in Duluth is 4% lower than the national average.
  • The cost of housing in Duluth is 18% lower than the national average.
  • Minnesota general sales tax is 35% higher than the national average.
  • Minnesota state income tax is 141% higher than the national average.

Find Real Estate Listings In Duluth

Location
Price
Bedrooms
Bathrooms
 

New Real Estate Listings In Duluth

Compare Duluth, MN Cost of living To Other Cities

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
Use the salary calculator to compare your current income in Duluth, MN to any other city in the country. The calculator will tell you how much income you would need to make in a particular city to live at the same level based on the cost of living in each city. For example, if the cost of living in the city you are looking to move to is higher than that of Duluth, MN, then you would need to earn a higher salary in order to enjoy the same standard of living. To use the Duluth, MN salary calculator, enter the name of the new city, then move the slider to your current salary level. The salary calculator will do the rest and let you know if your salary would need to increase or decrease for the new city. You will also see a complete overview of the cost of living.

Median Income & Debt-To-Income Ratio

Median IncomePer YearPer MonthMax Budget (28% DTI)Max Budget (36% DTI)
Owners$64,563$5,380$1,506$1,937
Renters$21,393$1,783$499$642
One can approximate the cost of living and the housing affordability in Duluth, MN by the percentage of a person’s income that he or she spends on the monthly housing, otherwise known as the debt-to-income ratio (DTI). To stay on the safe side and keep one’s head above the water, a consumer should never spend more than 28 percent of his or her gross income on housing-related expenses and costs and not more than 36 percent of income on all expenses and debts. Homeowners in Duluth, MN have a median income of $64,563. Therefore, the amount that a consumer should spend on housing costs should be no more than $1,506 per month to avoid calamity and poverty. The renters in the city have an income of about $21,393, which would make their monthly maximum allowable rental costs $499.

Minnesota Sales Tax

StateGeneral Sales TaxWith Max Surtax
Minnesota6.875%7.875%

Minnesota Income Tax

StateIncome Tax (Low)Income Tax (High)
Minnesota5.35%9.85%
When assessing the complete cost of living in Duluth, MN, the Minnesota income tax and the Minnesota sales tax percentages should unquestionably be taken into consideration. Sales taxes aren't just levies imposed onto sold goods, but they also include taxes that are charged when services are provided for a fee. The rates are different from state to state and can run has high as 7 percent. Some states have no sales tax at all. The Minnesota maximum surtax is 7.875%, and the Minnesota sales tax is 6.875%. By contrast, income tax is an unfortunate obligation that is charged by the government against earnings. Just like sales taxes, the rates for income taxes differ from state to state. They also decrease or increase according to the individual's tax bracket. Tax rates can run as high as 9 percent, with a minimum of zero. Income tax rates range from 5.35% to 9.85% in Minnesota.

Goods & Services

ItemDuluthNational avg.Difference
Haircut $21.91$15.5640.8%
Beauty Salon $31.17$36.1113.7%
Toothpaste $3.64$2.4747.2%
Shampoo $1.19$0.9623.3%
Movie $10.04$10.130.9%
Bowling $4.29$4.749.4%

Groceries

ItemDuluthNational avg.Difference
Ground Beef $5.28$3.9832.5%
Fried Chicken $2.27$1.4161.2%
Milk $2.45$2.0618.8%
Potatoes $2.45$2.9817.7%
Pizza $8.10$9.4714.5%
Beer $9.08$8.793.3%

Health Care

ItemDuluthNational avg.Difference
Optometrist $121.76$101.0420.5%
Doctor $164.95$107.4453.5%
Dentist $87.93$90.422.7%
Ibuprofen $9.49$9.282.2%
Lipitor $392.82$426.507.9%

Housing

ItemDuluthNational avg.Difference
Home Price $145,900.00$175,700.0017.0%
Avg. Mortgage Payment $891.28$1,133.2321.4%
Apartment Rent $726.00$920.0021.1%

Transportation

ItemDuluthNational avg.Difference
Gasoline $1.94$1.992.8%
Tire Balancing $52.70$45.7615.2%

Utilities

ItemDuluthNational avg.Difference
All Electricity$169.36$163.813.4%
Phone $17.02$28.3940.0%
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, StatePopulationCost of Living IndexNational Avg.
Superior, WI26,93292-8%
Carlton, MN93894-6%
Oliver, WI29594-6%
Proctor, MN3,06695-5%
Scanlon, MN1,13998-2%
Duluth, MN86,23996-4%

Cities with similar population

City, StatePopulationCost of Living IndexNational Avg.
Whittier, CA86,40014141%
Hawthorne, CA85,88913535%
Newport Beach, CA86,594296196%
Asheville, NC85,7831000%
Deltona, FL85,76593-7%
Duluth, MN86,23996-4%
Source: The Duluth, MN cost of living data displayed above is derived from the Council for Community and Economic Research (C2ER) for the fourth quarter of 2016.