Cost of living in Duluth, Minnesota
St. Louis County, MN
Population 200,056 · Last updated May 21, 2026
Cost breakdown
Single person, by category, per month.
Rent in Duluth
Fair Market Rents by bedroom count.
Source: HUD FMR FY2025
Income and earnings in Duluth
Annual earnings figures from the Census ACS.
Source: ACS 2019-2023 5-Year.
Home values in Duluth
Average values reported by homeowners.
Source: ACS 2019-2023 5-Year
Energy costs in Duluth
Estimated monthly electricity and gas costs.
Source: EIA
Healthcare in Duluth
Insurance premiums and coverage rates.
Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.
Taxes in Duluth
State and local tax rates for Minnesota.
Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.
Transportation in Duluth
Commute patterns and estimated costs.
Source: ACS
Monthly cost estimates for Duluth
What it costs to live in Duluth each month.
- Rent $896
- Energy $187
- Water $50
- Groceries $340
- Transport $320
- Healthcare $480
- Federal tax $487
- State tax $189
- Rent $1,140
- Energy $224
- Water $60
- Groceries $563
- Transport $420
- Healthcare $864
- Federal tax $807
- State tax $357
- Rent $1,538
- Energy $280
- Water $70
- Groceries $855
- Transport $520
- Healthcare $1,350
- Childcare $1,200
- Federal tax $807
- State tax $357
Frequently asked questions about Duluth
Common questions about cost of living, rent and salary.
What is the average rent in Duluth?
In Duluth, Minnesota, a one-bedroom apartment averages $896 per month, a two-bedroom averages $1,140 per month, a three-bedroom averages $1,538 per month, according to HUD Fair Market Rent data.
What is the average salary in Duluth?
In Duluth, Minnesota, the average household income is $69,455 per year and individual earnings for full-time workers average $39,828 per year, according to U.S. Census Bureau data.
What is the cost of living in Duluth?
The estimated cost of living in Duluth, Minnesota is approximately $2,949 per month for a single person, $4,435 for a couple, $6,977 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.
What is the sales tax rate in Duluth?
The combined sales tax rate in Duluth, Minnesota is 7.54%, which includes the Minnesota state rate of 6.88% plus an average local rate of 0.66%.
Is Duluth an affordable place to live?
Based on the data, a single person in Duluth, Minnesota would need approximately $2,949 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $69,455 per year ($5,788 per month). Duluth has a moderate cost of living relative to local earnings.
How much does healthcare cost in Duluth?
The ACA marketplace benchmark premium in Duluth, Minnesota is approximately $480 per month for an individual. Approximately 3.6% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.
What are house prices in Duluth?
The average home value in Duluth, Minnesota is $208,500, with average annual property taxes of $2,142, according to U.S. Census Bureau data.
How does Duluth compare to other areas?
You can compare Duluth, Minnesota with any other US county using our comparison tool at /compare. Duluth is in the Duluth, MN-WI metro area.
Other counties in Minnesota
Browse the full list of counties in Minnesota, ranked by cost of living.
See all counties in MinnesotaCompare Duluth with another area
Put two counties side by side to see how rent, taxes and everyday costs stack up.
About this data
All figures on this page come from official U.S. government sources, listed below.
- HUD FMR FY2025
- ACS 2019-2023 5-Year
- EIA
- ACS + national avg
- ACS
- USDA + BEA RPP