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Duluth, MN

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Neighborhood intelligence

Your Duluth relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Duluth.

Median rent

$1,087/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,207/mo

Median household income

$68,807

ACS 2024 5-year

Median home value

$242,700

ACS 2024 5-year

Safety score

57/100

FBI CDE

Weather

52°F (H 59° / L 46°)

Open-Meteo

Buying in Duluth? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

57/100

FBI CDE

Typical urban safety profile — 9% above average FBI data, 2023–2024

Good

Noise Level

41 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 52°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 62 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Duluth MN

Duluth is one of the more affordable options in its region at $1,087/month typical rent. Safety scores 57/100.

Duluth has about 87,093 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Duluth MN Safe?

Duluth MN scores 57/100 on safety (below average). Crime is about 9% above the national average. Expect more property crime (car break-ins, package theft) than a quiet suburb.

Detail: overall crime index 109 (100 = avg); violent crime index 66; property crime index 151. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Duluth MN

School quality varies by neighborhood in Duluth. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Duluth MN

Typical rent in Duluth is about $1,087/month (affordable). At $1,087/month for a typical unit, you need about $39,132+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $242,700.

Median household income is $68,807, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($68,807) clears the $39,132 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Duluth MN

Average temperature is about 52°F (highs near 59°F, lows near 46°F).

Cooler months cut into patio season; plan indoor hobbies for part of the year. Heating will show up on winter bills more than AC does in summer. If you visit, go in January. That is when the cold is honest.

Who Should Move to Duluth MN?

Who tends to thrive in Duluth: (1) Renters who want $1,087/month housing without coastal prices (comfort income is about $39,132) (2) Households earning $39,132+ who can clear the 3× rent rule at $1,087/month (3) Movers with a locked job offer in Duluth who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 57/100) (2) Households expecting top marks on rent and safety at once (Duluth does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $39,132 household income for $1,087/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Duluth scores 57/100 on safety with $1,087/month typical rent. Run the numbers against your income before committing.

Next steps

Tools for your move

Quotes and listings for Duluth when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Duluth.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,702

Mortgage + tax + insurance + HOA

Annual property tax

$3,519

Annual est. $5,580

Est. monthly utilities

$445

Climate-adjusted electric, gas & water

Median home price

$242,700

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$218k
2022
$224k
2023
$230k
2024
$236k
2025
$243k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$615/mo vs buying
$1,087ACS 2024 5-year
Rent
$1,702
Buy

Mortgage

$1,227

Property tax

$293

Insurance

$87

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,220/yr

2024

1.37%

$3,317/yr

2025

1.41%

$3,417/yr

2026

1.45%

$3,519/yr

Buying in Duluth? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

52 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,040/yr

moderate exposure
Wind hazard index62 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 52°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,040.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Duluth to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo