Moving from St. Paul to Duluth (2026)
Duluth has a COL index of 87 vs 97 for St. Paul (100 = US average). You'd pay about 10% less for the same lifestyle.
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Key differences
Salary needed in Duluth to match your St. Paul lifestyle
Based on the 10% cost of living decrease between the two cities.
| Your salary in St. Paul | Equivalent in Duluth |
|---|---|
| $40K | $35,876 |
| $50K | $44,845 |
| $60K | $53,814 |
| $75K | $67,268 |
| $80K | $71,753 |
| $100K | $89,691 |
| $120K | $107,629 |
| $150K | $134,536 |
💵 Household income (before tax)
Monthly budget at $75K — St. Paul vs Duluth
| Expense | St. Paul | Duluth |
|---|---|---|
| Monthly take-home | $4,122 | $4,122 |
| 1BR rent | $1,500 | $1,200 |
| Groceries | $384 | $369 |
| Transport | $95 | $60 |
| Utilities | $195 | $165 |
| Internet | $63 | $62 |
| Left after essentials | $1,885 | $2,266 |
30-Year Wealth Builder
If you invest your monthly savings of $381 in a low-cost index fund (7% avg return), you'd accumulate an extra:
over 30 years compared to staying in St. Paul — that's the real price of a city.
Frequently asked questions
Is Duluth cheaper than St. Paul?
Yes. Duluth has a cost of living index of 87 vs 97 for St. Paul (100 = US average). That's about 10% cheaper.
How much will I save moving from St. Paul to Duluth?
On a $75K salary, moving from St. Paul to Duluth saves roughly $300/month on core expenses. That's ~$3,600/year.
What salary do I need in Duluth to match my St. Paul lifestyle?
To maintain the same purchasing power as $75,000 in St. Paul, you'd need roughly $67,268/year in Duluth. This is based on the overall COL index difference.
Estimates based on Q1 2026 COL index and market data. Budget uses simplified federal/state tax rates. Zillow · BLS · Numbeo · For general guidance only