$40K in Houston = $36,632 in Duluth
Your $40K salary in Houston (COL 95) has the same purchasing power as $36,632 in Duluth (COL 87). Duluth is cheaper — your money goes 8% further there.
Budget breakdown — $40K in both cities
What $40K actually buys you in each city after taxes and core expenses.
| Expense | Houston $40K | Duluth $40K (same salary) |
|---|---|---|
| Monthly take-home | $2,728 | $2,398 |
| 1BR rent | $1,350 | $1,200 |
| Groceries | $357 | $369 |
| Transport | $90 | $60 |
| Utilities | $175 | $165 |
| Internet | $65 | $62 |
| Left after essentials | $691/month | $542/month |
Frequently asked questions
What is $40K in Houston equivalent to in Duluth?
$40K in Houston (COL index 95) has the same purchasing power as $36,632 in Duluth (COL index 87). That's 8% less than your current salary.
If I move from Houston to Duluth keeping my $40K salary, will I be better off?
Yes. If you keep earning $40K after moving to Duluth, you'd have $-149 more per month after core expenses — because Duluth is cheaper than Houston.
How is the salary equivalent calculated?
The equivalent salary is calculated by multiplying your current salary by the ratio of the two cities' overall cost of living indices: $40K × (87 ÷ 95) = $36,632. This adjusts for differences in housing, food, transport, and general cost of living.
Other salary amounts — Houston to Duluth
Equivalency uses overall COL index ratio. Take-home uses simplified federal/state brackets. Zillow · BLS · Numbeo · Q1 2026 · For general guidance only