Phoenix, AZ vs Duluth, MN
Moving from Phoenix to Duluth? Here's what changes — from your equivalent salary to housing ($448,352 → $264,350 median home) and taxes.
Phoenix vs Duluth 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 Phoenix, AZ, you'd need about $83,287 in Duluth, MN (−$16,713).
Livability — Phoenix, AZ: 62 · Duluth, MN: 68 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,063 sqft in Phoenix vs 3,404 sqft in Duluth ($242 vs $147 per sqft).
Annual cost breakdown (at $100,000)
| Category | Phoenix, AZ | Duluth, MN | Difference |
|---|---|---|---|
| Housing | $20,904 | $16,572 | −$4,332 |
| Groceries | $4,919 | $4,846 | −$73 |
| Transportation | $3,960 | $3,375 | −$585 |
| Utilities | $1,668 | $1,776 | +$108 |
| Insurance | $1,800 | $2,200 | +$400 |
| Taxes | $7,280 | $14,852 | +$7,572 |
| Total | $40,531 | $43,621 | +$3,090 |
Side by side
| Metric | Phoenix, AZ | Duluth, MN |
|---|---|---|
| Cost-of-living index | 104.7 | 87.2 |
| Unemployment rate | 4.88% | 4.41% |
| Population growth (5-yr) | 6.7% | 4.4% |
| Air quality (median AQI) | 86 | 39 |
| Big Mac price (est.) | $5.96 | $4.96 |
| Median home price | $448,352 | $264,350 |
| Home price ÷ income | 5.6× | 3.9× |
| 1-yr home appreciation | -1.7% | 6.6% |
| Price per square foot | $242 | $147 |
| Median rent | $1,742 | $1,381 |
| Total tax burden (% income) | 9.5% | 12.1% |
| Combined sales tax | 8.38% | 8.10% |
| Capital gains tax | 2.50% | 9.85% |
| Property tax rate | 0.51% | 1.12% |
| Healthcare (annual) | $6,300 | $6,800 |
| Childcare (annual, infant) | $12,500 | $16,000 |
| Vehicle property tax | 1.68% | 1.58% |
| Avg commute (min) | 27 | 20 |
| Home insurance / yr | $1,800 | $2,200 |
| Auto insurance / yr | $1,900 | $1,600 |
| Flood insurance / yr | $550 | $600 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 15.5 | 16.4 |
| Gas $/gal | 3.60 | 3.15 |
| Violent crime /100k | 430 | 280 |
| Avg summer high °F | 104 | 83 |
| Avg winter low °F | 41 | 4 |
| Permit difficulty (1–5) | 2 | 3 |