City Comparison · 2026
Duluth vs New York City
Salary, rent, taxes, and purchasing power compared
Purchasing Power
$100k in Duluth = $242k in New York City
Metric
Duluth
New York City
COL Index
✓0.88
2.13
1BR Monthly Rent
✓$1,000/mo
$3,500/mo
2BR Monthly Rent
✓$1,250/mo
$4,500/mo
State Income Tax
MN
NY
$100k Take-Home
$72,396
✓$73,522
$100k Effective Rate
27.6%
✓26.48%
$100k Savings Potential
✓$60,396
$31,522
After-Tax Income by Salary
| Gross Salary | Duluth MN | New York City NY |
|---|---|---|
| $60,000 | $46,628 $3,886/mo · 22.29% eff. | $47,420 $3,952/mo · 20.97% eff. |
| $100,000 | $72,396 $6,033/mo · 27.6% eff. | $73,522 $6,127/mo · 26.48% eff. |
| $150,000 | $103,055 $8,588/mo · 31.3% eff. | $104,939 $8,745/mo · 30.04% eff. |
Frequently Asked Questions
Is Duluth or New York City cheaper to live in?
Duluth has a cost-of-living index of 0.88 while New York City is 2.13 (1.00 = US average). Duluth is cheaper overall. 1BR rent in Duluth is $1,000/month vs $3,500/month in New York City.
How much more do you need to earn in New York City vs Duluth?
$100k in Duluth = $242k in New York City. Cost of living in New York City is higher by 142%.
Which city has better after-tax income — Duluth or New York City?
On a $100,000 salary, you take home $72,396 in MN (Duluth) and $73,522 in NY (New York City). After accounting for rent, your annual savings potential is $60,396 in Duluth vs $31,522 in New York City.
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