Salary Needed to Live in Duluth as a Family
A family of four (2 adults, 2 children) needs approximately $56,075/year to live comfortably in Duluth, MN — including 15% savings.
Comfortable Salary
$56,075
with 15% savings
Bare Minimum
$44,708
no savings buffer
Monthly Expenses
$2,757
6% below national avg
Detailed Monthly Budget for a Family in Duluth
| Expense | Duluth | Nat'l Avg | Diff |
|---|---|---|---|
| 🏠 3BR Apartment/House Rent | $228 | $209 | +9% |
| 🛒 Groceries | $58 | $44 | +32% |
| ⚡ Utilities | $20 | $28 | -29% |
| 🚗 Transportation | $47 | $44 | +7% |
| 🛡️ Car Insurance | $130 | $211 | -38% |
| 🏥 Health Insurance | $37 | $53 | -30% |
| Childcare/After-school | $1,152 | $1,200 | -4% |
| Internet + Phones | $173 | $180 | -4% |
| Children Activities | $240 | $250 | -4% |
| Dining Out | $336 | $350 | -4% |
| School Supplies & Clothing | $192 | $200 | -4% |
| Healthcare Co-pays | $144 | $150 | -4% |
| Total Monthly | $2,757 | $2,919 | -6% |
How We Calculated the Salary
Monthly expenses:$2,757
Target savings (15%):$610/mo
Monthly after-tax needed:$3,367
Effective tax rate:26%
Gross annual salary needed:$56,075
Other Household Types in Duluth
Related Pages
FAQ
What salary does a family with kids need in Duluth?
A family with kids needs approximately $56,075/year ($4,673/month gross) to live comfortably in Duluth with a 15% savings rate.
How much is rent for a family with kids in Duluth?
A 3br apartment/house in Duluth costs approximately $228/month, which is the largest single expense at 8% of the total budget.
Is Duluth affordable for a family with kids?
Yes, Duluth is 6% more affordable than the national average for a family with kids.