Moving from San Jose to Duluth (2026)
Duluth has a COL index of 87 vs 189 for San Jose (100 = US average). You'd pay about 54% less for the same lifestyle.
Save ~$1,901/mo
on core expenses · $75K salary baseline
Key differences
COL index
18987
100 = US avg
1BR rent
$3,000$1,200
per month
State tax
9.3%9.9%
income tax
Take-home at $75K
$4,159$4,122
per month
Salary needed in Duluth to match your San Jose lifestyle
Based on the 54% cost of living decrease between the two cities.
| Your salary in San Jose | Equivalent in Duluth |
|---|---|
| $40K | $18,413 |
| $50K | $23,016 |
| $60K | $27,619 |
| $75K | $34,524 |
| $80K | $36,825 |
| $100K | $46,032 |
| $120K | $55,238 |
| $150K | $69,048 |
Monthly budget at $75K — San Jose vs Duluth
| Expense | San Jose | Duluth |
|---|---|---|
| Monthly take-home | $4,159 | $4,122 |
| 1BR rent | $3,000 | $1,200 |
| Groceries | $437 | $369 |
| Transport | $100 | $60 |
| Utilities | $150 | $165 |
| Internet | $70 | $62 |
| Left after essentials | $402 | $2,266 |
Frequently asked questions
Is Duluth cheaper than San Jose?
Yes. Duluth has a cost of living index of 87 vs 189 for San Jose (100 = US average). That's about 54% cheaper.
How much will I save moving from San Jose to Duluth?
On a $75K salary, moving from San Jose to Duluth could save roughly $1,901/month on core expenses. That's ~$22,812/year.
What salary do I need in Duluth to match my San Jose lifestyle?
To maintain the same purchasing power as $75,000 in San Jose, you'd need roughly $34,524/year in Duluth. This is based on the overall COL index difference between the two cities.
Moving from Duluth to San JoseSan Jose vs Duluth — full comparisonSan Jose 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