Duluth vs Montgomery
Cost of Living Comparison · 2026
Duluth
Montgomery
The Verdict
Montgomery is 7.6% less expensive than Duluth overall. A household earning $75,000 in Duluth would need approximately $69,706 in Montgomery 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 Duluth has the same purchasing power as $69,706 in Montgomery.
Conversely, $75,000 in Montgomery equals $80,696 in Duluth.
Living in Duluth vs Montgomery
Housing Costs
Duluth's housing index of 88 is higher Montgomery's 49, translating to median home prices of $268,000 vs $162,000. The $106,000 difference in home prices means roughly $6,888 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,025/mo in Duluth compared to $1,000/mo in Montgomery, a monthly difference of $25.
Grocery & Food Costs
Grocery expenses index at 99 in Duluth and 99 in Montgomery. A household spending the national average of $475/month on groceries would pay approximately $470/month in Duluth vs $470/month in Montgomery. 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 115 in Montgomery. Monthly utility bills average approximately $376 in Duluth vs $460 in Montgomery. 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 78 in Montgomery. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 45-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 $56,800 in Montgomery. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $80,941 and $71,899 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 $1,325/month in Montgomery. In Duluth, median rent of $1,025/mo fits within this budget. In Montgomery, median rent of $1,000/mo remains manageable. The biggest category-level difference between these two cities is Healthcare, where the gap is 45 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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