Last update: Oct 2026

Cost of Living Comparison Between Duluth, MN and New York, NY

For one person, living is cheaper in Duluth, MN: $2,214 a month against $4,941 in New York, NY, rent and utilities included – about $32,700 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
239

Cost of Living Index in New York, NY
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New York, NY Living Index

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Duluth, MN

🇺🇸 United States

$2,214

/mo nomad

New York, NY

🇺🇸 United States

$4,941

/mo nomad

Monthly Cost of Living

How much you'll spend in Duluth, MN and in New York, NY

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 New York, NY actually costs, broken down by who's living it.

A single person spends $2,214 per month in Duluth, MN vs $4,941 in New York, NY, rent included.

Duluth, MN $2,214
New York, NY $4,941

A couple spends around $3,542 per month in Duluth, MN vs $7,225 in New York, NY, rent included.

Duluth, MN $3,542
New York, NY $7,225

A family of three spends $4,870 per month in Duluth, MN vs $9,509 in New York, NY, rent included.

Duluth, MN $4,870
New York, NY $9,509

Duluth, MN is about 55% cheaper than New York, NY, and outside of rent the biggest gap is in groceries.

Both Duluth, MN and New York, NY sit above the global median – Duluth, MN by 63%, New York, NY by 263%.

Meal at Budget Restaurant

$20.10 $20.10

$28.55 $28.55

-29.60%

Three-Course Dinner for Two, Mid-Range

$66.4 $66.4

$118 $118

-43.92%

Fast Food Meal (McDonalds, etc)

$9.87 $9.87

$15.04 $15.04

-34.38%

Cappuccino

$5.32 $5.32

$6.53 $6.53

-18.53%

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

$2.57 $2.57

$3.96 $3.96

-35.10%

Water (0.33 liter bottle)

$1.90 $1.90

$3.01 $3.01

-36.88%

Local Beer (0.5 liter draught)

$6.59 $6.59

$8.16 $8.16

-19.24%

Imported Beer (0.33 liter bottle)

$7.97 $7.97

$9.84 $9.84

-19.00%

Milk (1 liter)

$0.84 $0.84

$1.37 $1.37

-38.69%

White Bread (500g)

$2.97 $2.97

$4.97 $4.97

-40.24%

Rice (white) (1kg)

$3.80 $3.80

$7.81 $7.81

-51.34%

Eggs

$3.63 $3.63

$5.97 $5.97

-39.20%

Local Cheese (1kg)

$10.37 $10.37

$18.91 $18.91

-45.16%

Chicken Fillets (1kg)

$10.13 $10.13

$18.04 $18.04

-43.85%

Beef Round Steak (1kg)

$19.40 $19.40

$19.05 $19.05

1.84%

Apples (1kg)

$5.22 $5.22

$6.76 $6.76

-22.78%

Banana (1kg)

$1.55 $1.55

$2.27 $2.27

-31.72%

Oranges (1kg)

$2.79 $2.79

$6.83 $6.83

-59.15%

Tomato (1kg)

$4.41 $4.41

$7.09 $7.09

-37.80%

Potato (1kg)

$1.09 $1.09

$4.22 $4.22

-74.17%

Onion (1kg)

$2.20 $2.20

$4.65 $4.65

-52.69%

Lettuce (1 head)

$1.11 $1.11

$2.87 $2.87

-61.32%

Water (1.5 liter bottle)

$1.40 $1.40

$2.60 $2.60

-46.15%

Cigarettes 20 Pack (Marlboro, Camel)

$13.11 $13.11

$18.77 $18.77

-30.15%

Wine (Bottle)

$16.23 $16.23

$20.13 $20.13

-19.37%

Local Beer (0.5 liter bottle)

$1.77 $1.77

$3.45 $3.45

-48.70%

Imported Beer (0.33 liter bottle)

$2.79 $2.79

$4.02 $4.02

-30.60%

One-way Ticket (Public Transport)

$1.93 $1.93

$2.91 $2.91

-33.68%

Public Transport Monthly Pass (Regular Price)

$39.81 $39.81

$139 $139

-71.34%

Taxi Start (Normal Tariff)

$5.14 $5.14

$3.08 $3.08

66.88%

Taxi (Normal Tariff) (1km)

$1.53 $1.53

$2.12 $2.12

-27.83%

Taxi 1hour Waiting (Normal Tariff)

$24.18 $24.18

$41.96 $41.96

-42.37%

Gasoline (1 liter)

$0.90 $0.90

$1.17 $1.17

-23.08%

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

$22.8K $22.8K

$34.5K $34.5K

-33.81%

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

$23.5K $23.5K

$25.9K $25.9K

-9.19%

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

$180 $180

$219 $219

-17.96%

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

$43.17 $43.17

$74.2 $74.2

-41.85%

Internet (50+ Mbps, Unlimited Data)

$67.5 $67.5

$70.2 $70.2

-3.87%

Gym Membership (Monthly)

$63.4 $63.4

$112 $112

-43.41%

Tennis Court (1 Hour on Weekend)

$25.84 $25.84

$74.9 $74.9

-65.48%

Cinema Ticket

$11.55 $11.55

$22.14 $22.14

-47.83%

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

$1,032 $1,032

$3,558 $3,558

-70.98%

International Primary School, 1 Child (Yearly)

$9,973 $9,973

$62.2K $62.2K

-83.96%

Jeans (Levis 501 Or Similar)

$57.8 $57.8

$75.6 $75.6

-23.52%

Summer Dress (H&M, Zara, etc)

$44.26 $44.26

$51.2 $51.2

-13.55%

Sport Shoes (Adidas, Nike)

$98.8 $98.8

$123 $123

-19.76%

Men's Leather Business Shoes

$86.3 $86.3

$140 $140

-38.23%

1-bedroom Apartment, City Center (Monthly)

$1,283 $1,283

$4,499 $4,499

-71.48%

1-bedroom Apartment, Outside City Center (Monthly)

$974 $974

$3,078 $3,078

-68.37%

3-bedroom Apartment, City Center (Monthly)

$2,304 $2,304

$9,447 $9,447

-75.61%

3-bedroom Apartment, Outside City Center (Monthly)

$2,132 $2,132

$5,190 $5,190

-58.92%

Buy Apartment in City Center (m2)

$2,231 $2,231

$18.1K $18.1K

-87.68%

Buy Apartment Outside City Center (m2)

$2,161 $2,161

$6,693 $6,693

-67.71%

Average Monthly Net Salary (After Tax)

$3,747 $3,747

$5,220 $5,220

-28.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.19

6.86

-9.77%

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

Last update for Duluth, MN: October 26, 2026

Last update for New York, NY: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Duluth, MN

$974 44%

New York, NY

$3.1K 62.3% 216% $2.1K

Groceries & Markets

Duluth, MN

$352 15.9%

New York, NY

$563 11.4% 59.8% $211

Eating Out

Duluth, MN

$321 14.5%

New York, NY

$440 8.9% 37.1% $119

Monthly Utilities & Internet

Duluth, MN

$291 13.1%

New York, NY

$364 7.4% 25.2% $73

Clothing & Footwear

Duluth, MN

$129 5.8%

New York, NY

$175 3.6% 35.7% $46

Sport & Entertainment

Duluth, MN

$86 3.9%

New York, NY

$156 3.2% 80.7% $70

Getting Around

Duluth, MN

$60 2.7%

New York, NY

$164 3.3% 172% $104

Cost Breakdown

A central one-bedroom costs $1,283 in Duluth, MN versus $4,499 in New York, NY. 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 39% higher in New York, NY, 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 $118 in New York, NY. Monthly groceries follow the same trend: $352 vs $563 – making Duluth, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 Duluth, MN

🇺🇸 New York, NY

🕒 Local time

07:53 7:53 AM

08:53 8:53 AM

1 h ahead of Duluth, MN

🌤 Weather

👥 Population

86,265

8,804,190

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.896 EUR

Exchange rates and currency converter

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Between locations

Duluth, MN New York, NY 1,590 km ≈ 2 h 30 min nonstop flight

From you

Duluth, MN
New York, NY

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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 New York, NY: Cost of Living - Frequently Asked Questions

Yes – New York, NY is pricier by about 123%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $3,321 per month in Duluth, MN and $7,412 in New York, NY. 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 $4,499 in New York, NY.

Monthly expenses with rent come to $2,214 in Duluth, MN and $4,941 in New York, NY. That makes Duluth, MN about 55% cheaper.

Public transport costs about 71% less in Duluth, MN. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,500 monthly budget goes further in Duluth, MN, where all-in costs run around $2,214, than in New York, NY at $4,941. In Duluth, MN it covers expenses comfortably, while in New York, NY 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, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.