Duluth vs Modesto

Category-by-Category Breakdown

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

Salary Equivalence

A $75,000 salary in Duluth has the same purchasing power as $98,824 in Modesto.

Conversely, $75,000 in Modesto equals $56,920 in Duluth.

Living in Duluth vs Modesto

Housing Costs

Duluth's housing index of 88 is lower Modesto's 121, translating to median home prices of $268,000 vs $380,000. The $112,000 difference in home prices means roughly $7,284 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,025/mo in Duluth compared to $1,400/mo in Modesto, a monthly difference of $375.

Grocery & Food Costs

Grocery expenses index at 99 in Duluth and 100 in Modesto. A household spending the national average of $475/month on groceries would pay approximately $470/month in Duluth vs $475/month in Modesto. 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 94 in Duluth and 108 in Modesto. Monthly utility bills average approximately $376 in Duluth vs $432 in Modesto. 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 123 in Duluth and 100 in Modesto. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 23-point gap reflects real differences in provider costs, insurance market competition, and regional healthcare infrastructure.

Income & Purchasing Power

Median household income is $68,800 in Duluth and $55,138 in Modesto. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $80,941 and $49,230 respectively. Duluth residents enjoy stronger real purchasing power despite higher nominal wages.

Relocation Considerations

Under the standard 28% rule, a median-income household can allocate $1,605/month to housing in Duluth vs $1,287/month in Modesto. In Duluth, median rent of $1,025/mo fits within this budget. In Modesto, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 33 index points — focus your budget analysis there.

Frequently Asked Questions

Moving & Relocation Resources

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