Wondering how far your dollar stretches in Duluth compared to Milwaukee? Below we break down housing costs, rent, taxes, income, and quality of life using 2026 data so you can make an informed relocation or remote-work decision. Every number is computed from Census, BLS, and Zillow data specific to these two metro areas.
| Duluth | Metric | Milwaukee | Difference |
|---|---|---|---|
| 90 | Cost of Living Index | 90 | +0.0% |
| $235,000 | Median Home Price | $225,000 | -4.3% |
| $950 | Median Monthly Rent | $1,195 | +25.8% |
| $52,800 | Median Household Income | $56,400 | +6.8% |
| 1.3% | Property Tax Rate | 1.8% | +38.5% |
| 3.8% | Unemployment Rate | 4.6% | +21.1% |
| 19 min | Average Commute | 24 min | +26.3% |
| 35.2 | Median Age | 33.4 | -5.1% |
| 295,000 | Metro Population | 1,590,000 | +439.0% |
Data sourced from Census Bureau, BLS, Zillow, and ApartmentAdvisor (2024-2025). COL Index: 100 = national average.
Monthly mortgage assumes 6.5% interest, 30-year fixed, 20.0%down payment. PITI includes principal, interest, property tax, and homeowner's insurance.
Buying a home in Duluth costs $1,511/month (PITI) compared to $1,541/month in Milwaukee — a difference of $30/month or $360/year. The price-to-income ratio is 4.5x in Duluth versus 4.0x in Milwaukee, suggesting Milwaukee is relatively more affordable for homebuyers relative to local incomes. At a 15% savings rate, it takes 5.9 years to save a down payment in Duluth compared to 5.3 years in Milwaukee.
Estimated on each city's median household income, single filer, standard deduction, 2025 rates.
| Tax Category | Duluth | Milwaukee |
|---|---|---|
| Gross Income | $52,800 | $56,400 |
| State Income Tax | $1,748 | $1,837 |
| Federal Income Tax | $4,207 | $4,639 |
| FICA (SS + Medicare) | $4,040 | $4,315 |
| Property Tax (on median home) | $3,055/yr | $4,050/yr |
| State Sales Tax Rate | 6.9% | 5.0% |
| Total Tax Burden | $9,995 (18.9%) | $10,791 (19.1%) |
| Take-Home Pay | $42,805 | $45,609 |
On median household income, total taxes (federal + state + FICA) come to $9,995 in Duluth (18.9% effective) versus $10,791 in Milwaukee (19.1% effective). After taxes, take-home pay is $42,805 in Duluth and $45,609 in Milwaukee. Property taxes add $3,055/year on the median Duluth home versus $4,050/year in Milwaukee.
These figures adjust for cost of living using the formula: adjusted = salary × (COL_destination / COL_origin). If you earn $52,800 in Duluth (COL 90) and relocate to Milwaukee (COL 90), you would need $52,800 to maintain the same purchasing power. This means your salary should stay roughly the same.
Beyond costs, quality of life matters. The average commute in Duluth is 19 minutes versus 24 minutes in Milwaukee, a difference of 5 minutes each way. Duluth's lower unemployment rate of 3.8% versus 4.6% suggests a stronger job market. Duluth skews slightly older with a median age of 35.2 vs 33.4 in Milwaukee.
Duluth and Milwaukee have very similar costs of living, with COL indices of 90 and 90 respectively (national average = 100). Day-to-day expenses, housing, and taxes are comparable between the two metro areas.
The median home price in Milwaukee is $225,000, which is $10,000 more than Duluth's median of $235,000. Monthly rent follows a similar pattern: $1,195/month in Milwaukee vs $950/month in Duluth, a difference of $245/month or $2,940/year.
To maintain the same standard of living, a $52,800 salary in Duluth is equivalent to $52,800 in Milwaukee. This is based on the cost of living index ratio: Duluth's COL index of 90 vs Milwaukee's 90. Conversely, $56,400 in Milwaukee equals $56,400 in Duluth.
On a median household income, the combined federal, state, and FICA tax burden is $9,995 (18.9% effective rate) in Duluth vs $10,791 (19.1% effective rate) in Milwaukee. Property taxes on the median home are $3,055/year in Duluth (1.3% rate) vs $4,050/year in Milwaukee (1.8% rate). Sales tax rates are 6.9% in Minnesota and 5.0% in Wisconsin.
Duluth median household income: $52,800/yr. Milwaukee median household income: $56,400/yr (Census ACS).
Median monthly rent: $950 in Duluth vs $1,195 in Milwaukee. Annualized that is $11,400 vs $14,340.
Duluth offers a lower cost of living (index 90 vs 90), which lets remote-workers keeping a coastal salary stretch further. Milwaukee typically wins on amenities and labor-market depth.
Duluth and Milwaukee numbers are pulled from Zillow ZHVI/ZORI (home values, rent), the U.S. Census Bureau ACS (income, demographics), and BEA RPP (cost-of-living index). Each value is timestamped on the page.
Source feeds (Zillow, Freddie Mac PMMS, Census ACS, BEA RPP) are refreshed on their native cadence. Page caches revalidate every 24 hours via Next.js ISR.
No. The Duluth vs Milwaukee cost-of-living page is educational reference using public data and standard formulas. It is not personalized tax, legal, or investment advice. Consult a licensed professional for material decisions.
Home prices use Zillow Home Value Index (ZHVI)[1]; rents use Zillow Observed Rent Index (ZORI)[1]. Median household income comes from the Census ACS 5-year estimates[2].
COL indices use the BEA Regional Price Parity methodology[3], normalized so 100 = national average.
Property tax rates are effective rates from the Tax Foundation[4], expressed as % of owner-occupied home value. Mortgage estimates assume 6.5% fixed rate[5], 30-year term, 20.0% down, $1,800/yr homeowners insurance.
Federal tax calculations[6] assume single filer, standard deduction. State tax uses the top marginal rate times taxable income after the state standard deduction. FICA = 6.2% Social Security (up to wage base) + 1.45% Medicare.
Salary equivalence uses adjusted = salary × (COL_destination / COL_origin). This captures cost-of-living shift but not state income tax differences.
Unemployment figures are the most recent monthly MSA-level readings from the BLS LAUS series[7].
Last reviewed is computed from the maximum retrievedAt across every source this page consumes.
City data from Census Bureau[2], BLS[7], and Zillow[1] (2024-2025). Tax calculations use 2025 IRS rates[6], single filer, standard deduction. Mortgage estimates assume 6.5% PMMS rate[5], 30-year term, 20.0% down. COL Index: 100 = national average[3]. Last reviewed .