Concord vs Duluth
Cost of Living Comparison · 2026
Concord
Duluth
The Verdict
Living in Duluth costs 72.9% less than Concord. To match the purchasing power of a $75,000 salary in Concord, you would need $43,367 in Duluth.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Concord has the same purchasing power as $43,367 in Duluth.
Conversely, $75,000 in Duluth equals $129,706 in Concord.
Living in Concord vs Duluth
Housing Costs
Concord's housing index of 210 is higher Duluth's 88, translating to median home prices of $680,000 vs $268,000. The $412,000 difference in home prices means roughly $26,784 per year in additional mortgage costs at current rates. Renters face a similar gap: $2,350/mo in Concord compared to $1,025/mo in Duluth, a monthly difference of $1,325.
Grocery & Food Costs
Grocery expenses index at 112 in Concord and 99 in Duluth. A household spending the national average of $475/month on groceries would pay approximately $532/month in Concord vs $470/month in Duluth. Duluth offers a meaningful advantage on everyday food costs, saving roughly $744/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 147 in Concord and 94 in Duluth. Monthly utility bills average approximately $588 in Concord 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 121 in Concord and 123 in Duluth. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $109,000 in Concord and $68,800 in Duluth. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $74,150 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 $2,543/month to housing in Concord vs $1,605/month in Duluth. In Concord, median rent of $2,350/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 122 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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