Is Dallas, TX cheaper than Duluth, MN?

Based on cost of living data, Dallas, TX is 11.2% more expensive than Duluth, MN. This translates to spending an extra $842 per month.

What salary do I need in Dallas, TX to live like I do in Duluth, MN?

If you earn $150,000 in Duluth, MN, you'd need approximately $160,101.368 in Dallas, TX to maintain the same standard of living.

How does housing cost compare between Duluth, MN and Dallas, TX?

Housing in Dallas, TX is 13.7% more expensive than in Duluth, MN. For a two-bedroom apartment, rent is $1,765/month in Dallas, TX compared to $963/month in Duluth, MN.

How much can I save per month by moving from Duluth, MN to Dallas, TX?

Living in Dallas, TX costs approximately $842 more per month than Duluth, MN, or $10101 more per year, based on a $150,000 salary.

Duluth, MN vs Dallas, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 Duluth, MN — ZIP-level rent data · COL adjusted from Saint Paul, MN area

Current salary in Duluth, MN

Numbers update automatically as you type

You'd spend $842/month more in Dallas, TX

$150.0K in your current city equals $160.1K in Dallas, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 11.2%

More expensive

Monthly Impact

$842

Extra cost

Annual Impact

$10.1K

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Duluth, MN

Population:88K

Cost Index:100

Median Home:$269K

Dallas, TX

Population:1304K

Cost Index:111

Median Home:$292K

Duluth, MN

The North Star State

88K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 88K residents.

Dallas, TX

The Lone Star State

1.3M

Population

State Tax

No Income Tax

Climate

Humid subtropical

Notable Facts

•Major business center
•No state income tax
•Big Tex home

Major Industries

TechnologyFinanceEnergyTransportation

Cost Breakdown by Category

Annual spending: Duluth, MN vs Dallas, TX

Category	Duluth, MN	Dallas, TX	Difference	Change
🏠Housing	$2,104/mo	$2,391/mo	↑ $287more	13.7%
📦Other	$1,491/mo	$1,774/mo	↑ $283more	19.0%
🚗Transportation	$1,193/mo	$1,298/mo	↑ $105more	8.8%
⚡All Utilities	$473/mo	$563/mo	↑ $90.23more	19.1%
🏥Healthcare	$703/mo	$632/mo	↓ $70.98less	10.1%
🛒Groceries	$957/mo	$979/mo	↑ $22.12more	2.3%

🏠Housing

↑ 13.7%

Duluth, MN

$2,104

Dallas, TX

$2,391

Difference

$287

📦Other

↑ 19.0%

Duluth, MN

$1,491

Dallas, TX

$1,774

Difference

$283

🚗Transportation

↑ 8.8%

Duluth, MN

$1,193

Dallas, TX

$1,298

Difference

$105

⚡All Utilities

↑ 19.1%

Duluth, MN

$473

Dallas, TX

$563

Difference

$90.23

🏥Healthcare

↓ 10.1%

Duluth, MN

$703

Dallas, TX

$632

Difference

$70.98

less

🛒Groceries

↑ 2.3%

Duluth, MN

$957

Dallas, TX

$979

Difference

$22.12

🏠Rent Comparison

Studio

From$665

To$1,450

↑ $785

1 Bed

From$765

To$1,505

↑ $740

2 Bed

From$963

To$1,765

↑ $802

3 Bed

From$1,320

To$2,220

↑ $900

Duluth, MNZIP-level data

1BR range: $920–$1,360/mo

Dallas, TXZIP-level data

1BR range: $1,040–$2,470/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,921

Monthly in Duluth, MN

$7,637

Monthly in Dallas, TX

$716

Difference

Home Values

Duluth

Dallas

$269K

Median Value

$292K

↑ +6.2%

YoY Change

↓ -3.1%

↑ +36.8%

5-Year Change

↑ +27.1%

$198K - $436K

Price Range

$138K - $2.01M

Homes in Dallas are 9% more expensive than Duluth

Calculate payment - Duluth Calculate payment - Dallas

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $10.4K

Per year

Monthly Difference

$869

More take-home

Effective Rate Diff

7.0%

Rate difference

Duluth, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Dallas, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

Duluth, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Dallas, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.