Last update: Oct 2026

Cost of Living Comparison Between Duluth, MN and Chicago, IL

For one person, living is cheaper in Duluth, MN: $2,214 a month against $3,037 in Chicago, IL, rent and utilities included – about $9,900 less a year. Rent and utilities account for most of the difference.

107

Cost of Living Index in Duluth, MN
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Duluth, MN Living Index
147

Cost of Living Index in Chicago, IL
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Chicago, IL Living Index

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Duluth, MN

🇺🇸 United States

$2,214

/mo nomad

Chicago, IL

🇺🇸 United States

$3,037

/mo nomad

Monthly Cost of Living

How much you'll spend in Duluth, MN and in Chicago, IL

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Duluth, MN and in Chicago, IL actually costs, broken down by who's living it.

A single person spends $2,214 per month in Duluth, MN vs $3,037 in Chicago, IL, rent included.

Duluth, MN $2,214
Chicago, IL $3,037

A couple spends around $3,542 per month in Duluth, MN vs $4,518 in Chicago, IL, rent included.

Duluth, MN $3,542
Chicago, IL $4,518

A family of three spends $4,870 per month in Duluth, MN vs $5,999 in Chicago, IL, rent included.

Duluth, MN $4,870
Chicago, IL $5,999

Duluth, MN is about 27% cheaper than Chicago, IL, and outside of rent the biggest gap is in groceries.

Both Duluth, MN and Chicago, IL sit above the global median – Duluth, MN by 63%, Chicago, IL by 123%.

Meal at Budget Restaurant

$20.10 $20.10

$20.71 $20.71

-2.95%

Three-Course Dinner for Two, Mid-Range

$66.4 $66.4

$89.2 $89.2

-25.55%

Fast Food Meal (McDonalds, etc)

$9.87 $9.87

$13.19 $13.19

-25.17%

Cappuccino

$5.32 $5.32

$5.66 $5.66

-6.01%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.57 $2.57

$2.64 $2.64

-2.65%

Water (0.33 liter bottle)

$1.90 $1.90

$2.28 $2.28

-16.67%

Local Beer (0.5 liter draught)

$6.59 $6.59

$6.87 $6.87

-4.08%

Imported Beer (0.33 liter bottle)

$7.97 $7.97

$8.84 $8.84

-9.84%

Milk (1 liter)

$0.84 $0.84

$1.25 $1.25

-32.80%

White Bread (500g)

$2.97 $2.97

$3.72 $3.72

-20.16%

Rice (white) (1kg)

$3.80 $3.80

$5.39 $5.39

-29.50%

Eggs

$3.63 $3.63

$4.74 $4.74

-23.42%

Local Cheese (1kg)

$10.37 $10.37

$13.84 $13.84

-25.07%

Chicken Fillets (1kg)

$10.13 $10.13

$14.40 $14.40

-29.65%

Beef Round Steak (1kg)

$19.40 $19.40

$18.38 $18.38

5.55%

Apples (1kg)

$5.22 $5.22

Banana (1kg)

$1.55 $1.55

$1.98 $1.98

-21.72%

Oranges (1kg)

$2.79 $2.79

$4.06 $4.06

-31.28%

Tomato (1kg)

$4.41 $4.41

$4.97 $4.97

-11.27%

Potato (1kg)

$1.09 $1.09

$2.67 $2.67

-59.18%

Onion (1kg)

$2.20 $2.20

$2.66 $2.66

-17.29%

Lettuce (1 head)

$1.11 $1.11

$2.24 $2.24

-50.45%

Water (1.5 liter bottle)

$1.40 $1.40

$3.13 $3.13

-55.27%

Cigarettes 20 Pack (Marlboro, Camel)

$13.11 $13.11

$13.82 $13.82

-5.14%

Wine (Bottle)

$16.23 $16.23

$14.88 $14.88

9.07%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$2.54 $2.54

-30.31%

Imported Beer (0.33 liter bottle)

$2.79 $2.79

$3.51 $3.51

-20.51%

One-way Ticket (Public Transport)

$1.93 $1.93

$2.43 $2.43

-20.58%

Public Transport Monthly Pass (Regular Price)

$39.81 $39.81

$73.5 $73.5

-45.86%

Taxi Start (Normal Tariff)

$5.14 $5.14

$3.18 $3.18

61.64%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$1.39 $1.39

10.07%

Taxi 1hour Waiting (Normal Tariff)

$24.18 $24.18

$25.03 $25.03

-3.40%

Gasoline (1 liter)

$0.90 $0.90

$1.20 $1.20

-25.00%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$22.8K $22.8K

$35.0K $35.0K

-34.86%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$23.5K $23.5K

$26.7K $26.7K

-11.99%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$180 $180

$194 $194

-7.42%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$43.17 $43.17

$69.5 $69.5

-37.84%

Internet (50+ Mbps, Unlimited Data)

$67.5 $67.5

$61.6 $61.6

9.49%

Gym Membership (Monthly)

$63.4 $63.4

$47.90 $47.90

32.25%

Tennis Court (1 Hour on Weekend)

$25.84 $25.84

$27.34 $27.34

-5.49%

Cinema Ticket

$11.55 $11.55

$17.81 $17.81

-35.15%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,032 $1,032

$1,794 $1,794

-42.45%

International Primary School, 1 Child (Yearly)

$9,973 $9,973

$31.9K $31.9K

-68.78%

Jeans (Levis 501 Or Similar)

$57.8 $57.8

$67.0 $67.0

-13.71%

Summer Dress (H&M, Zara, etc)

$44.26 $44.26

$52.1 $52.1

-15.11%

Sport Shoes (Adidas, Nike)

$98.8 $98.8

$102 $102

-2.67%

Men's Leather Business Shoes

$86.3 $86.3

$144 $144

-39.94%

1-bedroom Apartment, City Center (Monthly)

$1,283 $1,283

$2,526 $2,526

-49.21%

1-bedroom Apartment, Outside City Center (Monthly)

$974 $974

$1,578 $1,578

-38.29%

3-bedroom Apartment, City Center (Monthly)

$2,304 $2,304

$4,738 $4,738

-51.37%

3-bedroom Apartment, Outside City Center (Monthly)

$2,132 $2,132

$2,693 $2,693

-20.82%

Buy Apartment in City Center (m2)

$2,231 $2,231

$4,190 $4,190

-46.74%

Buy Apartment Outside City Center (m2)

$2,161 $2,161

$2,768 $2,768

-21.94%

Average Monthly Net Salary (After Tax)

$3,747 $3,747

$4,931 $4,931

-24.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.19

6.81

-9.10%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Duluth, MN: October 26, 2026

Last update for Chicago, IL: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Duluth, MN

$974 44%

Chicago, IL

$1.6K 52% 62% $604

Groceries & Markets

Duluth, MN

$352 15.9%

Chicago, IL

$447 14.7% 27% $95

Eating Out

Duluth, MN

$321 14.5%

Chicago, IL

$345 11.4% 7.5% $24

Monthly Utilities & Internet

Duluth, MN

$291 13.1%

Chicago, IL

$326 10.7% 12% $35

Clothing & Footwear

Duluth, MN

$129 5.8%

Chicago, IL

$164 5.4% 26.9% $35

Sport & Entertainment

Duluth, MN

$86 3.9%

Chicago, IL

$84 2.8% 3.4% $2.9

Getting Around

Duluth, MN

$60 2.7%

Chicago, IL

$93 3.1% 54.8% $33

Cost Breakdown

A central one-bedroom costs $1,283 in Duluth, MN versus $2,526 in Chicago, IL. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 32% higher in Chicago, IL, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $66 in Duluth, MN versus $89 in Chicago, IL. Monthly groceries follow the same trend: $352 vs $447 – making Duluth, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 Duluth, MN

🇺🇸 Chicago, IL

🕒 Local time

00:01 12:01 AM

Same time as Duluth, MN

🌤 Weather

👥 Population

86,265

2,746,388

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

On the map

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Between locations

Duluth, MN Chicago, IL 650 km ≈ 1 h 15 min nonstop flight

From you

Duluth, MN
Chicago, IL

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Duluth, MN vs Chicago, IL: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,214 in Duluth, MN, $3,037 in Chicago, IL – Duluth, MN comes out roughly 27% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $3,321 per month in Duluth, MN and $4,555 in Chicago, IL. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Duluth, MN, especially for central apartments: a one-bedroom in the center costs $1,283 there versus $2,526 in Chicago, IL.

Groceries cost about 27% more in Chicago, IL, though the gap depends on what you buy.

A mid-range dinner for two costs $66 in Duluth, MN and $89 in Chicago, IL. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,500 monthly budget goes further in Duluth, MN, where all-in costs run around $2,214, than in Chicago, IL at $3,037. In Duluth, MN it covers expenses comfortably, while in Chicago, IL it requires careful planning or may not stretch far enough.

Families tend to lean toward Duluth, MN – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

If budget matters most, go with Duluth, MN. If higher salaries or specific career opportunities are the priority, Chicago, IL makes more sense. Both are solid long-term options with distinct trade-offs.