Chesapeake vs Duluth

Category-by-Category Breakdown

Index values · National average = 100 · Lower is more affordable

Salary Equivalence

A $75,000 salary in Chesapeake has the same purchasing power as $61,298 in Duluth.

Conversely, $75,000 in Duluth equals $91,765 in Chesapeake.

Living in Chesapeake vs Duluth

Housing Costs

Chesapeake's housing index of 120 is higher Duluth's 88, translating to median home prices of $385,000 vs $268,000. The $117,000 difference in home prices means roughly $7,608 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,550/mo in Chesapeake compared to $1,025/mo in Duluth, a monthly difference of $525.

Grocery & Food Costs

Grocery expenses index at 102 in Chesapeake and 99 in Duluth. A household spending the national average of $475/month on groceries would pay approximately $485/month in Chesapeake vs $470/month in Duluth. The difference in grocery costs between these cities is relatively minor and unlikely to be a deciding factor in relocation.

Utility Expenses

Utility costs — electricity, gas, water, internet — index at 105 in Chesapeake and 94 in Duluth. Monthly utility bills average approximately $420 in Chesapeake vs $376 in Duluth. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.

Healthcare

Healthcare costs index at 97 in Chesapeake and 123 in Duluth. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 26-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $94,200 in Chesapeake and $68,800 in Duluth. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $90,577 and $80,941 respectively. Chesapeake residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $2,198/month to housing in Chesapeake vs $1,605/month in Duluth. In Chesapeake, median rent of $1,550/mo fits within this budget. In Duluth, median rent of $1,025/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 32 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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