Duluth, MN vs Miami, FL
Moving from Duluth to Miami? Here's what changes — from your equivalent salary to housing ($264,350 → $475,622 median home) and taxes.
Duluth vs Miami at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Duluth, MN, you'd need about $128,569 in Miami, FL (+$28,569).
Livability — Duluth, MN: 68 · Miami, FL: 57 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,404 sqft in Duluth vs 1,945 sqft in Miami ($147 vs $257 per sqft).
Annual cost breakdown (at $100,000)
| Category | Duluth, MN | Miami, FL | Difference |
|---|---|---|---|
| Housing | $16,572 | $32,316 | +$15,744 |
| Groceries | $4,846 | $5,091 | +$245 |
| Transportation | $3,375 | $4,800 | +$1,425 |
| Utilities | $1,776 | $1,656 | −$120 |
| Insurance | $2,200 | $4,200 | +$2,000 |
| Taxes | $14,852 | $5,772 | −$9,080 |
| Total | $43,621 | $53,835 | +$10,214 |
Side by side
| Metric | Duluth, MN | Miami, FL |
|---|---|---|
| Cost-of-living index | 87.2 | 112.1 |
| Unemployment rate | 4.41% | 5.24% |
| Population growth (5-yr) | 4.4% | 1.7% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $4.96 | $6.38 |
| Median home price | $264,350 | $475,622 |
| Home price ÷ income | 3.9× | 6.9× |
| 1-yr home appreciation | 6.6% | -2.9% |
| Price per square foot | $147 | $257 |
| Median rent | $1,381 | $2,693 |
| Total tax burden (% income) | 12.1% | 9.1% |
| Combined sales tax | 8.10% | 7.02% |
| Capital gains tax | 9.85% | None |
| Property tax rate | 1.12% | 0.90% |
| Healthcare (annual) | $6,800 | $7,500 |
| Childcare (annual, infant) | $16,000 | $10,000 |
| Vehicle property tax | 1.58% | None |
| Avg commute (min) | 20 | 30 |
| Home insurance / yr | $2,200 | $4,200 |
| Auto insurance / yr | $1,600 | $2,900 |
| Flood insurance / yr | $600 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 16.4 | 15.4 |
| Gas $/gal | 3.15 | 3.35 |
| Natural gas / mo | $76 | $38 |
| Water & sewer / mo | $77 | $88 |
| Home internet / mo | $81 | $76 |
| Violent crime /100k | 280 | 380 |
| Avg summer high °F | 83 | 91 |
| Avg winter low °F | 4 | 52 |
| Annual precipitation (in) | 31.6 | 67.4 |
| Annual snowfall (in) | 51.2 | 0.0 |
| Sunshine (% possible) | 58% | 70% |
| Permit difficulty (1–5) | 3 | 3 |