Duluth vs Memphis for Families (2026)
A family-focused comparison of housing, income, taxes, and overall affordability in Duluth, MN vs Memphis, TN.
- 2BR rent: $1,400/mo in Memphis vs $1,600/mo — 13% difference
- More affordable homeownership in Memphis: $200K median vs $230K
- Higher median household income in Duluth: $54K/yr vs $42K
- Memphis has no state income tax — more take-home for family expenses
Family cost comparison
| Metric | Duluth Minnesota | Memphis Tennessee |
|---|---|---|
| 2BR rent/month | $1,600 | $1,400Better |
| Median home price | $230K | $200KBetter |
| Median household income | $54KBetter | $42K |
| Est. childcare/month | $1,131 | $1,079Better |
| State income tax | 9.9% | NoneBetter |
| Sales tax (combined) | 7.5%Better | 9.8% |
Frequently asked questions
Which city is better for raising a family — Duluth or Memphis?
Based on housing costs, income, and taxes, Memphis scores slightly better for families overall. Memphis has lower 2-bedroom rents, Memphis is more affordable for homebuyers, though both cities have strong family communities.
What is the average 2-bedroom rent in Duluth vs Memphis?
As of Q1 2026, median 2BR rent is $1,600/month in Duluth and $1,400/month in Memphis. Memphis is 13% cheaper for a 2-bedroom apartment.
Can a family afford to buy a home in Duluth or Memphis?
The price-to-income ratio in Duluth is 4.3× ($230K home, $54K income) vs 4.8× in Memphis. A ratio below 3× is generally considered affordable. Duluth is more achievable for first-time family homebuyers.
How much does childcare cost in Duluth vs Memphis?
Based on cost-of-living indices, estimated childcare (infant/toddler) runs approximately $1,131/month in Duluth and $1,079/month in Memphis. These are estimates — actual costs vary by provider and program type.
Which city has lower taxes for families?
Duluth has a 9.9% state income tax rate vs Memphis (Tennessee) has no state income tax. For a dual-income family earning $120K combined, the difference can mean $594+/month in take-home.
Childcare estimates based on national average scaled by COL index. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026
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