Amsterdam vs Duluth for Families (2026)
Scroll down for childcare estimates, home price-to-income ratios, and FAQ.
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Estimated annual swing
−$25,608/yr
Favoring Duluth for this income & household (illustrative).
With the extra $2,134/mo, you could pay down a $15,000 card balance in ~8 months and still keep ~$256/mo for dining out.
Full family cost breakdown
| Metric | Amsterdam North Holland | Duluth Minnesota |
|---|---|---|
| Studio rent / month | $1,300 | $950Better |
| 2BR rent / month | $2,600 | $1,600Better |
| Median home price | — | $230K |
| Median household income | — | $54K |
| Est. childcare / month | $1,099Better | $1,131 |
| State income tax | 31% | 9.9%Better |
| Sales tax (combined) | 21% | 7.5%Better |
| Monthly utilities | $110Better | $165 |
| Groceries index (US = 100) | — | 97 |
Your biggest money opportunities based on this comparison.
Tax savings
Duluth saves ~$2,110/mo in taxes
Redirect those extra take-home dollars to a cash-back card — groceries, gas, and dining all earn rewards.
Housing savings
Duluth saves ~$1,000/mo in rent
Whether you rent or buy, make sure your home and belongings are covered with the right plan.
Childcare savings
Amsterdam saves ~$384/yr on childcare
Put the difference to work in a high-yield savings account — it compounds fast over a few years.
While you're comparing — don't leave money on the table.
Mortgages
See what you can afford in Duluth
Compare rates from top lenders before your move — pre-approval is free and won't affect your score.
Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in Duluth homeowners + auto quotes before your move date.
Moving Rewards Card
Turn closing costs & moving expenses into cash back
Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is better for raising a family — Amsterdam or Duluth?
Based on housing costs, income, taxes, and overall affordability, Duluth scores better for families. 2-bedroom rent is $1,600/mo in Duluth vs $2,600/mo. Amsterdam is approximately 3% cheaper overall. That said, both cities have strong family communities — the right choice depends on your career, lifestyle, and proximity to family.
What is the average 2-bedroom rent in Amsterdam vs Duluth?
As of Q1 2026, median 2BR rent is $2,600/month in Amsterdam and $1,600/month in Duluth. Duluth is 38% cheaper for a family-sized apartment.
Can a family afford to buy a home in Amsterdam or Duluth?
Home price and income data is not available for one or both cities.
How much does childcare cost in Amsterdam vs Duluth?
Estimated infant/toddler childcare runs approximately $1,099/month in Amsterdam and $1,131/month in Duluth, based on national averages scaled by each city's cost-of-living index. Annual childcare cost difference: ~$384/year.
Which city has lower taxes for families?
Amsterdam has a 31% state income tax rate vs Duluth's 9.9% rate. For a dual-income family earning $120K combined, that difference is roughly $2,110/month in take-home pay.
$100K in Amsterdam has the same purchasing power as $103K in Duluth
Childcare estimates based on national avg scaled by COL index · Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026