← See all Top 5 listsCITY PROFILE · MN · UPDATED JULY 2026
Duluth, MN
Lake Superior keeps springs cool and contributes to a long cold season, substantial snow and strong wind exposure in an established regional city.
A QUICK COST START
Let’s sketch out the Duluth budget.
These Minnesota numbers give you a useful first draft. Next, plug in the exact address and your own household needs.
WHY IT MADE THE LIST
Here’s where Duluth stands out.
Each list asks a different question. Open any guide to meet all five choices and see the tradeoffs alongside the good stuff.
#3TOP 5 · COLDEST CITIES
5 coldest U.S. cities with established housing markets
Lake Superior keeps springs cool and contributes to a long cold season, substantial snow and strong wind exposure in an established regional city.
WATCH
See full Top 5 →Lake-effect and upslope snow, steep icy streets, wind chill, roof and ice-dam maintenance, heating, basement moisture and neighborhood elevation differences.
Love the city? Now check the exact address.
- HousingCompare the payment or rent, tax, insurance, HOA, utilities and maintenance.
- Daily routeTest work, school, groceries and health care at the hours you will use them.
- Local boundariesConfirm schools, utilities, municipal services and tax districts in writing.
- Safety and hazardsReview current police, traffic, FEMA and insurance information for the address.
Start with the state picture, then get local.
Compare the county, not only the stateHousing, insurance, contractor labor, and property taxes can change sharply across metro and county lines.
Separate move-in needs from upgradesFund safety, sleep, basic kitchen use, and storage first; delay décor and specialty appliances for 30–90 days.
Request equal-scope quotesCompare labor, delivery, disposal, permits, accessories, warranties, and tax instead of headline prices.
Check utility and local programsXcel Energy, Minnesota Power, and co-ops have territory-specific programs.
CITY QUESTIONS
Wondering if it’s right for you?
Is Duluth a good place to live?
Duluth is a strong research candidate for Great Lakes cold and snow. Verify the exact neighborhood, household budget, commute, insurance and local services before moving.
Is Duluth affordable?
Affordability depends on income and address. Minnesota's 2024 regional price level was 98.6 against a U.S. benchmark of 100; city housing can differ sharply from the statewide figure.
What should I check before moving to Duluth?
Price the exact home, taxes, insurance, utilities and commute; verify school and service boundaries; review local crime, traffic and hazard data; and visit during an ordinary weekday.