Duluth vs Naples
Cost of Living Comparison · 2026
Duluth
Naples
The Verdict
Living in Duluth costs 33.6% less than Naples. To match the purchasing power of a $75,000 salary in Duluth, you would need $112,941 in Naples.
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 $112,941 in Naples.
Conversely, $75,000 in Naples equals $49,805 in Duluth.
Living in Duluth vs Naples
Housing Costs
Duluth's housing index of 88 is lower Naples's 180, translating to median home prices of $268,000 vs $520,000. The $252,000 difference in home prices means roughly $16,380 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,025/mo in Duluth compared to $2,100/mo in Naples, a monthly difference of $1,075.
Grocery & Food Costs
Grocery expenses index at 99 in Duluth and 106 in Naples. A household spending the national average of $475/month on groceries would pay approximately $470/month in Duluth vs $504/month in Naples. Duluth offers a meaningful advantage on everyday food costs, saving roughly $408/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 94 in Duluth and 96 in Naples. Monthly utility bills average approximately $376 in Duluth vs $384 in Naples. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 123 in Duluth and 98 in Naples. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. The 25-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 $72,178 in Naples. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $80,941 and $56,389 respectively. Duluth residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,605/month to housing in Duluth vs $1,684/month in Naples. In Duluth, median rent of $1,025/mo fits within this budget. In Naples, median rent of $2,100/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Housing, where the gap is 92 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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