Cost of Living: Ann Arbor vs Duluth (2026)
Duluth has a 21% lower overall cost of living than Ann Arbor as of Q1 2026. A one-bedroom apartment runs $1,200/mo in Duluth vs $1,750/mo in Ann Arbor — a 46% difference. Ann Arbor has a lower state income tax rate (4.1% vs 9.9%), which adds up over time.
- Duluth is 21% cheaper overall (COL index: 105 vs 87)
- 1BR rent: $1,200/mo in Duluth vs $1,750/mo — 31% savings
- Higher median household income: Ann Arbor ($72,000/yr vs $54,000/yr)
- Median home price: $230,000 in Duluth vs $400,000 — 43% difference
| Category | Ann Arbor Michigan | Duluth Minnesota |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,400 | $950Best |
| 1BR rent/mo | $1,750 | $1,200Best |
| 2BR rent/mo | $2,300 | $1,600Best |
| Median home price | $400K | $230KBest |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 101 | 97Best |
| Budget meal (1 person) | $14 | $12Best |
| Mid-range dinner (2) | $58 | $50Best |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $65 | $60Best |
| Gas price/gal | $3.20Best | $3.25 |
| Car insurance/mo | $145 | $140Best |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $162Best | $165 |
| Internet/mo | $63 | $62Best |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $72KBest | $54K |
| State income tax% | 4.1%Best | 9.9% |
| Sales tax (combined)% | 6.0%Best | 7.5% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $15.00 | $13.00Best |
| Gym membership/mo | $42 | $35Best |
| Beer at restaurant | $6.50 | $5.50Best |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 105 | 87Best |
| Walk score / 100 | 55Best | 43 |
Frequently asked questions
Is Ann Arbor cheaper than Duluth?
No. Duluth is 21% cheaper than Ann Arbor based on overall cost of living indices (87 vs 105, where 100 = US average).
What is the average rent in Ann Arbor vs Duluth?
As of Q1 2026, the median 1-bedroom rent in Ann Arbor is $1,750/month and in Duluth is $1,200/month. Ann Arbor is more expensive by 46%.
How much do I need to earn in Duluth to match a $75,000 salary in Ann Arbor?
To maintain a similar lifestyle, you would need approximately $62,143/year in Duluth to match a $75,000 salary in Ann Arbor. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Ann Arbor or Duluth?
Ann Arbor has the lower state income tax rate at 4.1% vs 9.9%. The difference is 5.8 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Ann Arbor to Duluth?
It depends on your priorities. Duluth offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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