Duluth vs Richmond
Cost of Living Comparison · 2026
Duluth
Richmond
The Verdict
The cost gap between these cities is 17.5%, with Duluth being the more affordable option. A $75,000 income in Duluth has equivalent purchasing power to $90,882 in Richmond.
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 $90,882 in Richmond.
Conversely, $75,000 in Richmond equals $61,893 in Duluth.
Living in Duluth vs Richmond
Housing Costs
Duluth's housing index of 88 is lower Richmond's 108, translating to median home prices of $268,000 vs $300,000. The $32,000 difference in home prices means roughly $2,076 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 Richmond, a monthly difference of $375.
Grocery & Food Costs
Grocery expenses index at 99 in Duluth and 100 in Richmond. A household spending the national average of $475/month on groceries would pay approximately $470/month in Duluth vs $475/month in Richmond. 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 97 in Richmond. Monthly utility bills average approximately $376 in Duluth vs $388 in Richmond. Utility costs are relatively comparable between these two cities.
Healthcare
Healthcare costs index at 123 in Duluth and 100 in Richmond. 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 $50,120 in Richmond. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $80,941 and $48,660 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 $1,169/month in Richmond. In Duluth, median rent of $1,025/mo fits within this budget. In Richmond, median rent of $1,400/mo pushes past the recommended limit. The biggest category-level difference between these two cities is Healthcare, where the gap is 23 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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