Moving from Carmel to Duluth (2026)
Duluth has a COL index of 87 vs 98 for Carmel (100 = US average). You'd pay about 11% less for the same lifestyle.
Save ~$224/mo
on core expenses · $75K salary baseline
Key differences
COL index
9887
100 = US avg
1BR rent
$1,450$1,200
per month
State tax
3.2%9.9%
income tax
Take-home at $75K
$4,541$4,122
per month
Salary needed in Duluth to match your Carmel lifestyle
Based on the 11% cost of living decrease between the two cities.
| Your salary in Carmel | Equivalent in Duluth |
|---|---|
| $40K | $35,510 |
| $50K | $44,388 |
| $60K | $53,265 |
| $75K | $66,582 |
| $80K | $71,020 |
| $100K | $88,776 |
| $120K | $106,531 |
| $150K | $133,163 |
Monthly budget at $75K — Carmel vs Duluth
| Expense | Carmel | Duluth |
|---|---|---|
| Monthly take-home | $4,541 | $4,122 |
| 1BR rent | $1,450 | $1,200 |
| Groceries | $376 | $369 |
| Transport | $40 | $60 |
| Utilities | $152 | $165 |
| Internet | $62 | $62 |
| Left after essentials | $2,461 | $2,266 |
Frequently asked questions
Is Duluth cheaper than Carmel?
Yes. Duluth has a cost of living index of 87 vs 98 for Carmel (100 = US average). That's about 11% cheaper.
How much will I save moving from Carmel to Duluth?
On a $75K salary, moving from Carmel to Duluth could save roughly $224/month on core expenses. That's ~$2,688/year.
What salary do I need in Duluth to match my Carmel lifestyle?
To maintain the same purchasing power as $75,000 in Carmel, you'd need roughly $66,582/year in Duluth. This is based on the overall COL index difference between the two cities.
Moving from Duluth to CarmelCarmel vs Duluth — full comparisonCarmel cost of livingDuluth cost of living
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates at $75K. Zillow · BLS · Numbeo · For general guidance only