Is Denver, CO cheaper than Duluth, MN?

Based on cost of living data, Denver, CO is 21.1% more expensive than Duluth, MN. This translates to spending an extra $1585 per month.

What salary do I need in Denver, CO to live like I do in Duluth, MN?

If you earn $150,000 in Duluth, MN, you'd need approximately $169,021.292 in Denver, CO to maintain the same standard of living.

How does housing cost compare between Duluth, MN and Denver, CO?

Housing in Denver, CO is 54.4% more expensive than in Duluth, MN. For a two-bedroom apartment, rent is $2,190/month in Denver, CO compared to $963/month in Duluth, MN.

How much can I save per month by moving from Duluth, MN to Denver, CO?

Living in Denver, CO costs approximately $1585 more per month than Duluth, MN, or $19021 more per year, based on a $150,000 salary.

Duluth, MN vs Denver, CO: 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 $1.6K/month more in Denver, CO

$150.0K in your current city equals $169.0K in Denver, CO

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

Overall Cost

↑ 21.1%

More expensive

Monthly Impact

$1,585

Extra cost

Annual Impact

$19.0K

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

Denver, CO

Population:716K

Cost Index:121

Median Home:$513K

Duluth, MN

The North Star State

88K

Population

State Tax

Yes

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

Denver, CO

The Centennial State

716K

Population

State Tax

Yes

Climate

Semi-arid

Notable Facts

•Mile-high city (5,280 ft)
•Outdoor recreation hub
•Major cannabis market

Major Industries

AerospaceTechnologyEnergyTourism

Cost Breakdown by Category

Annual spending: Duluth, MN vs Denver, CO

Category	Duluth, MN	Denver, CO	Difference	Change
🏠Housing	$2,104/mo	$3,248/mo	↑ $1,145more	54.4%
📦Other	$1,491/mo	$1,774/mo	↑ $283more	19.0%
🚗Transportation	$1,193/mo	$1,462/mo	↑ $268more	22.5%
🛒Groceries	$957/mo	$1,029/mo	↑ $72.08more	7.5%
🏥Healthcare	$703/mo	$632/mo	↓ $70.98less	10.1%
⚡All Utilities	$473/mo	$519/mo	↑ $46.52more	9.8%

🏠Housing

↑ 54.4%

Duluth, MN

$2,104

Denver, CO

$3,248

Difference

$1,145

📦Other

↑ 19.0%

Duluth, MN

$1,491

Denver, CO

$1,774

Difference

$283

🚗Transportation

↑ 22.5%

Duluth, MN

$1,193

Denver, CO

$1,462

Difference

$268

🛒Groceries

↑ 7.5%

Duluth, MN

$957

Denver, CO

$1,029

Difference

$72.08

🏥Healthcare

↓ 10.1%

Duluth, MN

$703

Denver, CO

$632

Difference

$70.98

less

⚡All Utilities

↑ 9.8%

Duluth, MN

$473

Denver, CO

$519

Difference

$46.52

🏛️ Local Income Taxes

Denver, CO: Denver Head Tax ($5.75/mo, negligible)$69.00/yr (0.0%)

Duluth, MN has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$665

To$1,720

↑ $1,055

1 Bed

From$765

To$1,840

↑ $1,075

2 Bed

From$963

To$2,190

↑ $1,227

3 Bed

From$1,320

To$2,870

↑ $1,550

Duluth, MNZIP-level data

1BR range: $920–$1,360/mo

Denver, COZIP-level data

1BR range: $1,620–$2,540/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

$8,665

Monthly in Denver, CO

$1,744

Difference

Home Values

Duluth

Denver

$269K

Median Value

$513K

↑ +6.2%

YoY Change

↓ -4.2%

↑ +36.8%

5-Year Change

↑ +13%

$198K - $436K

Price Range

$352K - $933K

Homes in Denver are 91% more expensive than Duluth

Calculate payment - Duluth Calculate payment - Denver

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $3.8K

Per year

Monthly Difference

$319

More take-home

Effective Rate Diff

2.6%

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

Denver, CO

Federal Income Tax

Effective: 18.9%

$25.5K

Colorado State Tax

Effective: 4.4%

$6.6K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.1%

$43.6K

Take-Home Pay

$8,866/month

$106.4K

Additional Tax Information

Duluth, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Denver, CO Tax Rates

Sales Tax:7.8%

Property Tax:0.5%

💡 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.