Clearwater vs Duluth

Category-by-Category Breakdown

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

Salary Equivalence

A $75,000 salary in Clearwater has the same purchasing power as $61,893 in Duluth.

Conversely, $75,000 in Duluth equals $90,882 in Clearwater.

Living in Clearwater vs Duluth

Housing Costs

Clearwater's housing index of 115 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: $1,625/mo in Clearwater compared to $1,025/mo in Duluth, a monthly difference of $600.

Grocery & Food Costs

Grocery expenses index at 102 in Clearwater and 99 in Duluth. A household spending the national average of $475/month on groceries would pay approximately $485/month in Clearwater 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 101 in Clearwater and 94 in Duluth. Monthly utility bills average approximately $404 in Clearwater vs $376 in Duluth. Utility costs are relatively comparable between these two cities.

Healthcare

Healthcare costs index at 92 in Clearwater and 123 in Duluth. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 31-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $66,400 in Clearwater and $68,800 in Duluth. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $64,466 and $80,941 respectively. Duluth residents come out ahead in real purchasing power.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,549/month to housing in Clearwater vs $1,605/month in Duluth. In Clearwater, median rent of $1,625/mo exceeds this threshold, suggesting renters may feel stretched. In Duluth, median rent of $1,025/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 31 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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