Cost of Living: Tempe vs Duluth (2026)
Duluth has a 18% lower overall cost of living than Tempe as of Q1 2026. A one-bedroom apartment runs $1,200/mo in Duluth vs $1,600/mo in Tempe — a 33% difference. Tempe has a lower state income tax rate (2.5% vs 9.9%), which adds up over time.
- Duluth is 18% cheaper overall (COL index: 103 vs 87)
- 1BR rent: $1,200/mo in Duluth vs $1,600/mo — 25% savings
- Higher median household income: Tempe ($68,000/yr vs $54,000/yr)
- Median home price: $230,000 in Duluth vs $430,000 — 47% difference
| Category | Tempe Arizona | Duluth Minnesota |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $1,250 | $950Best |
| 1BR rent/mo | $1,600 | $1,200Best |
| 2BR rent/mo | $2,100 | $1,600Best |
| Median home price | $430K | $230KBest |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 100 | 97Best |
| Budget meal (1 person) | $14 | $12Best |
| Mid-range dinner (2) | $58 | $50Best |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $55Best | $60 |
| Gas price/gal | $3.20Best | $3.25 |
| Car insurance/mo | $158 | $140Best |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $210 | $165Best |
| Internet/mo | $62Best | $62 |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $68KBest | $54K |
| State income tax% | 2.5%Best | 9.9% |
| Sales tax (combined)% | 8.6% | 7.5%Best |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $15.00 | $13.00Best |
| Gym membership/mo | $40 | $35Best |
| Beer at restaurant | $6.50 | $5.50Best |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 103 | 87Best |
| Walk score / 100 | 46Best | 43 |
Frequently asked questions
Is Tempe cheaper than Duluth?
No. Duluth is 18% cheaper than Tempe based on overall cost of living indices (87 vs 103, where 100 = US average).
What is the average rent in Tempe vs Duluth?
As of Q1 2026, the median 1-bedroom rent in Tempe is $1,600/month and in Duluth is $1,200/month. Tempe is more expensive by 33%.
How much do I need to earn in Duluth to match a $75,000 salary in Tempe?
To maintain a similar lifestyle, you would need approximately $63,350/year in Duluth to match a $75,000 salary in Tempe. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Tempe or Duluth?
Tempe has the lower state income tax rate at 2.5% vs 9.9%. The difference is 7.4 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Tempe 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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