Duluth vs Oakland
Cost of Living Comparison · 2026 Data
Duluth
Oakland
💡 The Verdict
Duluth is 35% cheaper than Oakland overall. A $75,000 salary in Duluth is equivalent to $114,583 in Oakland.
Category-by-Category Breakdown
Index values for Duluth (left) vs Oakland (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Duluth versus Oakland. Differences shown from Duluth perspective.
| Item | Duluth | Oakland | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,030/mo | $2,010/mo | $-980.00 |
| 2-Bed Rent | $1,310/mo | $2,700/mo | $-1390.00 |
| 3-Bed Rent | $1,650/mo | $3,440/mo | $-1790.00 |
| Bread (loaf) | $3.00 | $3.14 | $-0.14 |
| Milk (gallon) | $3.94 | $4.54 | $-0.60 |
| Eggs (dozen) | $3.46 | $3.65 | $-0.19 |
| Coffee (latte) | $6.36 | $6.17 | +$0.19 |
| Gas (gallon) | $3.83 | $3.61 | +$0.22 |
| Restaurant Meal | $16.00 | $22.64 | $-6.64 |
💰 Salary Equivalence
A $75,000 salary in Duluth has the same purchasing power as $114,583 in Oakland.
Conversely, $75,000 in Oakland equals $49,091 in Duluth.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $450 difference is driven by Minnesota having a higher state income tax rate. Minnesota details → · California details →
Reading These Numbers: Duluth (108) vs Oakland (165)
Duluth at 108 is 8% above the US average, while Oakland at 165 is 65% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Duluth, the composite index of 108 reflects a weighted calculation where housing carries the most influence at 101, followed by groceries (109), utilities (101), transportation (110), and healthcare (112). Costs are fairly balanced across categories.
For renters: With median rents of $1,310/mo in Duluth and $2,700/mo in Oakland, the annual rent difference is approximately $16,680.0. Over a 5-year period, that compounds to $83,400.0 in savings by choosing the more affordable city.
For homebuyers: The $411,000.0 difference in median home prices between Duluth and Oakland translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Duluth vs Oakland
Choosing between Duluth and Oakland involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Duluth versus Oakland depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.