Concord vs Duluth
Cost of Living Comparison · 2026
Concord
Duluth
The Verdict
Duluth is 17.6% less expensive than Concord overall. A household earning $75,000 in Concord would need approximately $63,750 in Duluth to maintain the same standard of living.
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 $63,750 in Duluth.
Conversely, $75,000 in Duluth equals $88,235 in Concord.
Living in Concord vs Duluth
Housing Costs
Concord's housing index of 110 is higher Duluth's 88, translating to median home prices of $340,000 vs $268,000. The $72,000 difference in home prices means roughly $4,680 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,375/mo in Concord compared to $1,025/mo in Duluth, a monthly difference of $350.
Grocery & Food Costs
Grocery expenses index at 101 in Concord and 99 in Duluth. A household spending the national average of $475/month on groceries would pay approximately $480/month in Concord 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 110 in Concord and 94 in Duluth. Monthly utility bills average approximately $440 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 113 in Concord and 123 in Duluth. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 10-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.
Income & Purchasing Power
Median household income is $84,900 in Concord and $68,800 in Duluth. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $84,900 and $80,941 respectively. Concord residents enjoy stronger real purchasing power despite higher nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,981/month to housing in Concord vs $1,605/month in Duluth. In Concord, median rent of $1,375/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 22 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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