Lakeland vs Duluth — side-by-side
Cost of living: Lakeland vs Duluth (2026)
A $60,000 salary in Lakeland buys roughly what $60,000 does in Duluth (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
+$2,519/yr
Favoring Lakeland for this income & household (illustrative).
With the extra $210/mo, you could pay down a $15,000 card balance in ~72 months and still keep ~$25/mo for dining out.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Lakeland Florida | Duluth Minnesota | Who wins | Your impact at $60K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,150 | $950Wins | Duluth wins −$200/mo | $2,400/yr saves in Duluth |
| 1BR rent/mo | $1,450 | $1,200Wins | Duluth wins −$250/mo | $3,000/yr saves in Duluth |
| 2BR rent/mo | $1,900 | $1,600Wins | Duluth wins −$300/mo | $3,600/yr saves in Duluth |
| Median home price | $285K | $230KWins | Duluth wins −$55K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 95Better | 97 | Lakeland wins +2 | — |
| Budget meal (1 person) | $12Better | $12 | — | — |
| Mid-range dinner (2) | $52 | $50Better | Duluth wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $45Wins | $60 | Lakeland wins +$15/mo | — |
| Gas price/gal | $3.20Better | $3.25 | Lakeland wins +$0.05 | — |
| Car insurance/mo | $198 | $140Wins | Duluth wins −$58/mo | $696/yr saves in Duluth |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $195 | $165Wins | Duluth wins −$30/mo | $360/yr saves in Duluth |
| Internet/mo | $62Better | $62 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $52K | $54KBetter | Duluth wins +$2K more/yr | — |
| State income tax% | 0.0%Wins | 9.9% | Lakeland wins +9.9 pp | $5,940/yr saves in Lakeland |
| Sales tax (combined)% | 7.5%Better | 7.5% | — | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $14.00 | $13.00Better | Duluth wins −$1.00 | — |
| Gym membership/mo | $35Better | $35 | — | — |
| Beer at restaurant | $5.50Better | $5.50 | — | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 87Better | 87 | — | — |
| Walk score / 100 | 17 | 43Wins | Duluth wins +26 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$5,940/yr tax difference into cash back
Lakeland fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Lakeland.
High-yield savings
Park ~$3,000/yr rent savings at 4–5%+ APY
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
What is the average rent in Lakeland vs Duluth?
As of Q1 2026, the median 1-bedroom rent in Lakeland is $1,450/month and in Duluth is $1,200/month. Lakeland is more expensive by 21%.
How much do I need to earn in Duluth to match a $75,000 salary in Lakeland?
To maintain a similar lifestyle, you would need approximately $75,000/year in Duluth to match a $75,000 salary in Lakeland. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Lakeland or Duluth?
Lakeland has the lower state income tax rate at 0% vs 9.9%. Lakeland has no state income tax at all, which can save thousands of dollars per year depending on your income. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Lakeland to Duluth?
It depends on your priorities. Both cities have similar overall costs. 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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Salary equivalent: Lakeland ↔ Duluth
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