Last update: Nov 2026

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

For one person, living is cheaper in Duluth, MN: $2,211 a month against $4,906 in New York, NY, rent and utilities included – about $32,300 less a year. Rent and utilities account for most of the difference.

234

Cost of Living Index in New York, NY
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New York, NY Living Index
106

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

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New York, NY

🇺🇸 United States

$4,906

/mo nomad

Duluth, MN

🇺🇸 United States

$2,211

/mo nomad

Monthly Cost of Living

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

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

A single person spends $4,906 per month in New York, NY vs $2,211 in Duluth, MN, rent included.

New York, NY $4,906
Duluth, MN $2,211

A couple spends around $7,273 per month in New York, NY vs $3,554 in Duluth, MN, rent included.

New York, NY $7,273
Duluth, MN $3,554

A family of three spends $9,641 per month in New York, NY vs $4,896 in Duluth, MN, rent included.

New York, NY $9,641
Duluth, MN $4,896

New York, NY costs about 122% more than Duluth, MN, and outside of rent the biggest gap is in groceries.

Both New York, NY and Duluth, MN sit above the global median – New York, NY by 263%, Duluth, MN by 64%.

Meal at Budget Restaurant

$26.93 $26.93

$20.13 $20.13

33.78%

Three-Course Dinner for Two, Mid-Range

$117 $117

$66.2 $66.2

76.47%

Fast Food Meal (McDonalds, etc)

$14.60 $14.60

$10.14 $10.14

43.98%

Cappuccino

$6.54 $6.54

$5.39 $5.39

21.34%

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

$3.86 $3.86

$2.50 $2.50

54.40%

Water (0.33 liter bottle)

$2.95 $2.95

$1.88 $1.88

56.91%

Local Beer (0.5 liter draught)

$8.08 $8.08

$6.33 $6.33

27.65%

Imported Beer (0.33 liter bottle)

$9.85 $9.85

$7.62 $7.62

29.27%

Milk (1 liter)

$1.31 $1.31

$0.90 $0.90

45.56%

White Bread (500g)

$4.97 $4.97

$2.82 $2.82

76.24%

Rice (white) (1kg)

$7.70 $7.70

$3.77 $3.77

104.24%

Eggs

$6.09 $6.09

$3.49 $3.49

74.50%

Local Cheese (1kg)

$19.55 $19.55

$10.20 $10.20

91.67%

Chicken Fillets (1kg)

$17.59 $17.59

$10.48 $10.48

67.84%

Beef Round Steak (1kg)

$20.26 $20.26

$19.14 $19.14

5.85%

Apples (1kg)

$6.99 $6.99

$5.02 $5.02

39.24%

Banana (1kg)

$2.21 $2.21

$1.49 $1.49

48.32%

Oranges (1kg)

$6.72 $6.72

$2.71 $2.71

147.97%

Tomato (1kg)

$7.12 $7.12

$4.47 $4.47

59.28%

Potato (1kg)

$4.61 $4.61

$1.10 $1.10

319.09%

Onion (1kg)

$4.78 $4.78

$2.09 $2.09

128.71%

Lettuce (1 head)

$2.87 $2.87

$1.11 $1.11

158.56%

Water (1.5 liter bottle)

$2.69 $2.69

$1.46 $1.46

84.25%

Cigarettes 20 Pack (Marlboro, Camel)

$19.14 $19.14

$12.86 $12.86

48.83%

Wine (Bottle)

$19.63 $19.63

$15.95 $15.95

23.07%

Local Beer (0.5 liter bottle)

$3.32 $3.32

$1.76 $1.76

88.64%

Imported Beer (0.33 liter bottle)

$4.19 $4.19

$2.69 $2.69

55.76%

One-way Ticket (Public Transport)

$3.02 $3.02

$1.89 $1.89

59.79%

Public Transport Monthly Pass (Regular Price)

$139 $139

$40.77 $40.77

241.75%

Taxi Start (Normal Tariff)

$3.04 $3.04

$4.89 $4.89

-37.83%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.54 $1.54

42.86%

Taxi 1hour Waiting (Normal Tariff)

$41.33 $41.33

$23.56 $23.56

75.42%

Gasoline (1 liter)

$1.13 $1.13

$0.91 $0.91

24.18%

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

$34.5K $34.5K

$22.5K $22.5K

53.21%

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

$25.8K $25.8K

$23.9K $23.9K

8.20%

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

$232 $232

$183 $183

26.94%

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

$71.0 $71.0

$44.39 $44.39

60.01%

Internet (50+ Mbps, Unlimited Data)

$67.7 $67.7

$66.5 $66.5

1.71%

Gym Membership (Monthly)

$115 $115

$63.3 $63.3

82.26%

Tennis Court (1 Hour on Weekend)

$76.8 $76.8

$25.61 $25.61

199.92%

Cinema Ticket

$22.41 $22.41

$11.67 $11.67

92.03%

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

$3,606 $3,606

$1,020 $1,020

253.49%

International Primary School, 1 Child (Yearly)

$68.7K $68.7K

$10.0K $10.0K

585.64%

Jeans (Levis 501 Or Similar)

$79.3 $79.3

$54.3 $54.3

46.08%

Summer Dress (H&M, Zara, etc)

$51.4 $51.4

$43.48 $43.48

18.22%

Sport Shoes (Adidas, Nike)

$121 $121

$98.7 $98.7

22.73%

Men's Leather Business Shoes

$140 $140

$83.8 $83.8

67.56%

1-bedroom Apartment, City Center (Monthly)

$4,555 $4,555

$1,272 $1,272

258.06%

1-bedroom Apartment, Outside City Center (Monthly)

$3,040 $3,040

$974 $974

212.27%

3-bedroom Apartment, City Center (Monthly)

$9,742 $9,742

$2,313 $2,313

321.26%

3-bedroom Apartment, Outside City Center (Monthly)

$5,331 $5,331

$2,168 $2,168

145.87%

Buy Apartment in City Center (m2)

$18.2K $18.2K

$2,170 $2,170

739.93%

Buy Apartment Outside City Center (m2)

$6,685 $6,685

$2,227 $2,227

200.18%

Average Monthly Net Salary (After Tax)

$5,096 $5,096

$3,841 $3,841

32.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.89

6.19

11.31%

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

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

Last update for Duluth, MN: November 2, 2026

Monthly budget structure

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

Accommodation & Living

New York, NY

$3K 62%

Duluth, MN

$974 44% 68% $2.1K

Groceries & Markets

New York, NY

$567 11.6%

Duluth, MN

$349 15.8% 38.4% $218

Eating Out

New York, NY

$425 8.7%

Duluth, MN

$320 14.5% 24.6% $105

Monthly Utilities & Internet

New York, NY

$371 7.6%

Duluth, MN

$294 13.3% 20.8% $77

Clothing & Footwear

New York, NY

$176 3.6%

Duluth, MN

$126 5.7% 28.6% $50

Getting Around

New York, NY

$165 3.4%

Duluth, MN

$61 2.8% 63.2% $105

Sport & Entertainment

New York, NY

$160 3.3%

Duluth, MN

$87 3.9% 45.9% $74

Cost Breakdown

A central one-bedroom costs $4,555 in New York, NY versus $1,272 in Duluth, MN. 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 33% 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 $117 in New York, NY versus $66 in Duluth, MN. Monthly groceries follow the same trend: $567 vs $349 – making Duluth, MN the more affordable choice for daily food spending.

Good to know

🇺🇸 New York, NY

🇺🇸 Duluth, MN

🕒 Local time

12:39 12:39 PM

11:39 11:39 AM

1 h behind New York, NY

🌤 Weather

👥 Population

8,804,190

86,265

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.89 EUR

Exchange rates and currency converter

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

From you

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

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

Yes – New York, NY is pricier by about 122%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $7,358 per month in New York, NY and $3,316 in Duluth, MN. 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 $1,272 there versus $4,555 in New York, NY.

Monthly expenses with rent come to $4,906 in New York, NY and $2,211 in Duluth, MN. 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 $2,211, than in New York, NY at $4,906. 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.