Duluth vs Springfield for Families (2026)
Scroll down for childcare estimates, home price-to-income ratios, and FAQ.
Full family cost breakdown
| Metric | Duluth Minnesota | Springfield Missouri |
|---|---|---|
| Studio rent / month | $950 | $750Better |
| 2BR rent / month | $1,600 | $1,250Better |
| Median home price | $230K | $185KBetter |
| Median household income | $54KBetter | $47K |
| Est. childcare / month | $1,131 | $1,027Better |
| State income tax | 9.9% | 4.7%Better |
| Sales tax (combined) | 7.5%Better | 8.3% |
| Monthly utilities | $165 | $155Better |
| Groceries index (US = 100) | 97 | 93Better |
Frequently asked questions
Which city is better for raising a family — Duluth or Springfield?
Based on housing costs, income, taxes, and overall affordability, Springfield scores better for families. 2-bedroom rent is $1,250/mo in Springfield vs $1,600/mo. Springfield is approximately 9% 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 Duluth vs Springfield?
As of Q1 2026, median 2BR rent is $1,600/month in Duluth and $1,250/month in Springfield. Springfield is 22% cheaper for a family-sized apartment.
Can a family afford to buy a home in Duluth or Springfield?
The price-to-income ratio in Duluth is 4.3× ($230K median home, $54K median income). In Springfield it's 3.9× ($185K home, $47K income). A ratio below 3× is generally considered affordable — Springfield is more achievable for first-time family homebuyers.
How much does childcare cost in Duluth vs Springfield?
Estimated infant/toddler childcare runs approximately $1,131/month in Duluth and $1,027/month in Springfield, based on national averages scaled by each city's cost-of-living index. Annual childcare cost difference: ~$1,248/year.
Which city has lower taxes for families?
Duluth has a 9.9% state income tax rate vs Springfield's 4.7% rate. For a dual-income family earning $120K combined, that difference is roughly $520/month in take-home pay.
$100K in Duluth has the same purchasing power as $91K in Springfield
Childcare estimates based on national avg scaled by COL index · Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026