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

Monthly Cost of Living

A single person spends $2,238 per month in Duluth, MN vs $4,503 in New York, NY, rent included.

A couple spends around $3,552 per month in Duluth, MN vs $7,077 in New York, NY, rent included.

A family of three spends $4,866 per month in Duluth, MN vs $9,650 in New York, NY, rent included.

Duluth, MN is about 50% cheaper than New York, NY, driven mainly by Groceries & Markets.

Both Duluth, MN and New York, NY sit above the global median – Duluth, MN by 67%, New York, NY by 236%.

Meal at Budget Restaurant

$18.03 $18.03

$30.28 $30.28

-40.46%

Three-Course Dinner for Two, Mid-Range

$64.9 $64.9

$142 $142

-54.40%

Fast Food Meal (McDonalds, etc)

$9.81 $9.81

$12.65 $12.65

-22.45%

Cappuccino

$5.54 $5.54

$5.81 $5.81

-4.65%

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

$2.61 $2.61

$3.26 $3.26

-19.94%

Water (0.33 liter bottle)

$1.83 $1.83

$2.58 $2.58

-29.07%

Local Beer (0.5 liter draught)

$6.33 $6.33

$8.19 $8.19

-22.71%

Imported Beer (0.33 liter bottle)

$7.02 $7.02

$11.82 $11.82

-40.61%

Milk (1 liter)

$0.90 $0.90

$1.53 $1.53

-41.18%

White Bread (500g)

$2.88 $2.88

$5.27 $5.27

-45.35%

Rice (white) (1kg)

$3.72 $3.72

$8.34 $8.34

-55.40%

Eggs

$4.07 $4.07

$7.25 $7.25

-43.86%

Local Cheese (1kg)

$11.23 $11.23

$17.29 $17.29

-35.05%

Chicken Fillets (1kg)

$11.09 $11.09

$16.21 $16.21

-31.59%

Beef Round Steak (1kg)

$17.81 $17.81

$19.82 $19.82

-10.14%

Apples (1kg)

$6.41 $6.41

$7.57 $7.57

-15.32%

Banana (1kg)

$1.56 $1.56

$2.42 $2.42

-35.54%

Oranges (1kg)

$7.73 $7.73

$5.83 $5.83

32.59%

Tomato (1kg)

$5.70 $5.70

$6.39 $6.39

-10.80%

Potato (1kg)

$3.20 $3.20

$3.87 $3.87

-17.31%

Onion (1kg)

$3.80 $3.80

$4.06 $4.06

-6.40%

Lettuce (1 head)

$1.12 $1.12

$3.12 $3.12

-64.10%

Water (1.5 liter bottle)

$2.15 $2.15

$2.45 $2.45

-12.24%

Cigarettes 20 Pack (Marlboro, Camel)

$10.81 $10.81

$19.26 $19.26

-43.87%

Wine (Bottle)

$16.27 $16.27

$19.96 $19.96

-18.49%

Local Beer (0.5 liter bottle)

$1.75 $1.75

$2.99 $2.99

-41.47%

Imported Beer (0.33 liter bottle)

$3.97 $3.97

$3.73 $3.73

6.43%

One-way Ticket (Public Transport)

$2.19 $2.19

$2.84 $2.84

-22.89%

Public Transport Monthly Pass (Regular Price)

$40.30 $40.30

$134 $134

-69.98%

Taxi Start (Normal Tariff)

$4.22 $4.22

$5.11 $5.11

-17.42%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$2.11 $2.11

-21.33%

Taxi 1hour Waiting (Normal Tariff)

$24.03 $24.03

$42.31 $42.31

-43.20%

Gasoline (1 liter)

$0.87 $0.87

$0.97 $0.97

-10.31%

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

$22.4K $22.4K

$34.7K $34.7K

-35.43%

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

$24.0K $24.0K

$27.8K $27.8K

-13.66%

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

$161 $161

$181 $181

-11.07%

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

$43.08 $43.08

$60.2 $60.2

-28.49%

Internet (50+ Mbps, Unlimited Data)

$69.3 $69.3

$62.5 $62.5

10.83%

Gym Membership (Monthly)

$62.4 $62.4

$143 $143

-56.38%

Tennis Court (1 Hour on Weekend)

$26.40 $26.40

$65.3 $65.3

-59.55%

Cinema Ticket

$14.81 $14.81

$19.98 $19.98

-25.88%

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

$1,054 $1,054

$3,216 $3,216

-67.23%

International Primary School, 1 Child (Yearly)

$10.1K $10.1K

$57.2K $57.2K

-82.29%

Jeans (Levis 501 Or Similar)

$63.7 $63.7

$67.5 $67.5

-5.60%

Summer Dress (H&M, Zara, etc)

$44.10 $44.10

$47.68 $47.68

-7.51%

Sport Shoes (Adidas, Nike)

$90.4 $90.4

$111 $111

-18.69%

Men's Leather Business Shoes

$117 $117

$169 $169

-30.61%

1-bedroom Apartment, City Center (Monthly)

$1,178 $1,178

$4,092 $4,092

-71.22%

1-bedroom Apartment, Outside City Center (Monthly)

$913 $913

$2,694 $2,694

-66.12%

3-bedroom Apartment, City Center (Monthly)

$2,270 $2,270

$8,445 $8,445

-73.13%

3-bedroom Apartment, Outside City Center (Monthly)

$1,983 $1,983

$5,128 $5,128

-61.33%

Buy Apartment in City Center (m2)

$2,412 $2,412

$18.2K $18.2K

-86.73%

Buy Apartment Outside City Center (m2)

$2,264 $2,264

$6,299 $6,299

-64.06%

Average Monthly Net Salary (After Tax)

$3,754 $3,754

$5,540 $5,540

-32.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.37

6.44

-1.09%

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

Last update for Duluth, MN: June 2, 2026

Last update for New York, NY: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,178 in Duluth, MN versus $4,092 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 48% 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 $65.0 in Duluth, MN versus $142 in New York, NY. Monthly groceries follow the same trend: $409 vs $554 – making Duluth, MN the more affordable choice for daily food spending.

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 101%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $3,356 per month in Duluth, MN and $6,754 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,238 in Duluth, MN and $4,503 in New York, NY. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 233% 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 $2,238, than in New York, NY at $4,503. 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, better infrastructure, or specific career opportunities are the priority, New York, NY makes more sense. Both are solid long-term options with distinct trade-offs.