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City · 87,093 residents · St. Louis County, Minnesota

Duluth , Minnesota

In Duluth, a typical home is worth $242,700 and typical rent is $1,087 a month. Compared with all of St. Louis County, the typical home value is 10% higher, typical rent is 7% higher, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $242,700

    10% above the county

    26% below Minnesota

    • Duluth
    • St. Louis
    • Minnesota

  • Typical rent

    $1,087a month

    7% above the county

    15% below Minnesota

    • Duluth
    • St. Louis
    • Minnesota

  • Typical household income

    $68,807a year

    About the same as the county

    23% below Minnesota

    • Duluth
    • St. Louis
    • Minnesota

  • Households that own their home

    59%

    12 points below the county

    13 points below Minnesota

    • Duluth
    • St. Louis
    • Minnesota

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$296,120
4.6% more than 12 months ago
Typical rent
$1,434 a month
3.4% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Duluth is in St. Louis County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of St. Louis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Duluth apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Virginia, the typical home value is $120,600: 50% less than in Duluth ($242,700).

  2. Nearby, in Virginia, the typical rent is $792: 27% less than in Duluth ($1,087).

  3. 59% of households in Duluth own their home, against 71% in St. Louis County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Duluth

What homes there are in Duluth, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Duluth, but it weighs less than in St. Louis County: 60% against 73%.

Year built

In Duluth, half of the homes were built before 1951; in St. Louis County, before 1962.

In Duluth, 21% of homes have 1 bedroom or none (studios); 51% have 3 bedrooms or more, against 55% in St. Louis County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for St. Louis County is $541,287, and about 92% of owner-occupied homes in Duluth are worth less than that.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,207), about 56% of rented homes in Duluth cost less.

With a mortgage

$1,573 a month

St. Louis County: $1,558 a month

Without a mortgage

$665 a month

St. Louis County: $577 a month

Owners with a mortgage

63%

St. Louis County: 56%

The typical cost for an owner with a mortgage in Duluth is $1,573 a month, near the figure in St. Louis County ($1,558).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Duluth rose 49%; in St. Louis County, it rose 40%.

The typical rent in Duluth rose 33% since 2015–2019, about the same as in St. Louis County (32%).

While home values in Duluth changed +49% and rent +33%, the typical household income rose 31%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureDuluthSt. Louis CountyMinnesotaUnited States
Rental vacancy 2.5%4.4%5.3%5.5%
Homeowner vacancy 0.9%0.9%0.6%0.9%
More than one person per room 1.4%1.1%2.3%3.4%
People per household 2.182.202.432.53
Drive alone 69%74%69%69%
Carpool 7%8%8%9%
Public transit 3%2%2%3%
Walk or bike 6%4%3%3%
Work from home 13%11%18%15%
Other means 1%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Duluth is 2.5%, lower than in St. Louis County (4.4%).

More than one person per room: that is how 1.4% of households in Duluth live, near the figure in St. Louis County (1.1%).

Much as in St. Louis County, a household in Duluth has 2.18 people on average.

To get to work, 69% of workers in Duluth drive alone; in St. Louis County, 74%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Duluth?

A typical home is tight for the typical income

We start with a typical home in Duluth, worth $242,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Duluth, which is $68,807 a year. For that payment to be 28% of income, a household would need to earn about $88,436 a year.

The calculator's FHA and conventional loan limits are those of all of St. Louis County.

Your numbers

Local data
$

Starts at the typical home value in Duluth. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,495 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,064

at 7.18% · 30 years

Loan amount
$238,304
Total interest
$342,863
Paid off in
November 2056

Includes $4,099 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,605 a month

  • Tight

    $1,605 to $2,064 a month

    Your payment · 36%

  • Hard

    more than $2,064 a month

Compared with the typical household income in Duluth ($68,807 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,064
Principal & interest$1,614
Property tax$241
Home insurance$101
FHA mortgage insurance (MIP)$107

You need at least $8,495 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Duluth and St. Louis County

Duluth is in St. Louis County, Minnesota. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Duluth's own numbers

Typical home value
$242,700
Typical monthly rent
$1,087
Typical yearly household income
$68,807
Households that own their home
59%
Effective property tax rate
1.19%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Louis County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,207
Price change over 5 years (FHFA)
+53%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of St. Louis County.

Everything about St. Louis County

Buying

Buying a home in Duluth

A typical home in Duluth is worth $242,700: 10% above the county and 26% below Minnesota. With the typical household income in Duluth ($68,807 a year), a typical home costs 3.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Duluth 3.5 years
  • St. Louis 3.2 years
  • Minnesota 3.7 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Louis County

According to FHFA’s house price index, home prices in St. Louis County rose 82% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Louis County.

Period County Minnesota U.S.
Last year (2025) +6.3% +2.8% +2.9%
5 years (2020–2025) +53% +37% +47%
10 years (2015–2025) +82% +71% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Duluth next to St. Louis County, Minnesota and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Duluth $242,700
  • St. Louis $221,400
  • Minnesota $329,300
  • United States $332,700
Typical monthly rent
  • Duluth $1,087
  • St. Louis $1,013
  • Minnesota $1,280
  • United States $1,413
Typical yearly household income
  • Duluth $68,807
  • St. Louis $70,069
  • Minnesota $89,062
  • United States $80,734
See the full table
Duluth next to St. Louis County and Minnesota
Measure Duluth St. Louis County Minnesota U.S.
Typical home value $242,700 $221,400 $329,300 $332,700
Typical monthly rent $1,087 $1,013 $1,280 $1,413
Typical yearly household income $68,807 $70,069 $89,062 $80,734
Households that own their home 59% 71% 72% 65%
Typical yearly property tax $2,885 $2,271 $3,357 $3,119
Effective property tax rate 1.19% 1.03% 1.02% 0.94%
Renters with high rent for their income 54% 53% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Louis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Duluth

For a typical $242,700 home in Duluth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Duluth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,064a month

    Least cash to close
    Down payment
    $8,495
    Cash to close
    $15,776
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $107

  • Conventional, 5% down $2,019a month

    Down payment
    $12,135
    Cash to close
    $19,416
    Rate
    7.18%
    Mortgage insurance
    PMI · $115

  • Conventional, 20% down, no PMI $1,657a month

    Down payment
    $48,540
    Cash to close
    $55,821
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,881a month

    Down payment
    $36,405
    Cash to close
    $43,686
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Duluth and for St. Louis County.

Property tax

Effective rate in Duluth

1.19%of the home’s value each year

$2,885 a year for the typical owner in Duluth.

  • Duluth 1.19%
  • St. Louis 1.03%
  • Minnesota 1.02%

What Minnesota publishes Homestead market value exclusion (Minnesota Office of the Revisor of Statutes (Minnesota Statutes))

Exemptions and deadlines in Minnesota

Flood risk in St. Louis County

FEMA does not publish these numbers by city: they are for all of St. Louis County.

FEMA’s maps count no homes in the high-risk zone in St. Louis County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Duluth

Typical rent in Duluth is $1,087 a month: 7% above the county. In Duluth, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Louis County, by unit size. To pay the 2-bedroom one ($1,207 a month) without spending more than 30% of your income, you would need to earn $23.21 an hour working full time.

HUD fair market rent for all of St. Louis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $841 $16.17 $33,640
1 bedroom $961 $18.48 $38,440
2 bedrooms $1,207 $23.21 $48,280
3 bedrooms $1,671 $32.13 $66,840
4 bedrooms $2,017 $38.79 $80,680

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Duluth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Duluth has 7 ZIP codes with their own.

For 2 bedrooms it runs from $1,120 in 55806 to $1,540 in 55811.

5 of the 7 are above the fair market rent for St. Louis County ($1,207).

  • 55802 $1,300$1,800
  • 55805 $1,220$1,690
  • 55806 $1,120$1,550
  • 55807 $1,210$1,680
  • 55808 $1,190$1,650
  • 55811 $1,540$2,130
  • 55812 $1,510$2,090

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Duluth when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Duluth

HUD lists 50 buildings with rents for lower incomes in Duluth. These are the largest.

  • North Pointe Apartments 222 E 2nd St, Duluth 55805 387 low-income homes · For families (218) 529-6300
  • Lenox Place 701 W Superior St, Duluth 55802 152 low-income homes · For older adults (218) 722-0739
  • Gateway Tower 600 W Superior St, Duluth 55802 150 low-income homes · Studio: 11 · 1 bd: 139 · In service since 2017 · For older adults, people with disabilities, families, people experiencing homelessness (218) 727-0929
  • Greysolon Plaza 231 E Superior St, Duluth 55802 150 low-income homes · 1 bd: 150 · In service since 2006 · For older adults (218) 722-7523
  • Pennel Park Apartments 330 N Arlington Ave, Duluth 55811 101 homes, 100 low-income · 1 bd: 99 · 2 bd: 2 · In service since 2005 · For older adults (218) 727-8715

See all 91 buildings in St. Louis County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Duluth

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in St. Louis County; none says it serves in Spanish.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Duluth

No down payment, repair or rent-help program on our list is for Duluth or St. Louis County. The ones below are statewide in Minnesota: they work in Duluth the same as in the rest of the state.

Which programs do I qualify for? All programs in Minnesota

  • Deferred Payment Loan (Start Up)

    Statewide in Minnesota

    Minnesota state agency loan for the down payment and closing costs alongside the Start Up mortgage for first-time buyers: up to $14,000 (or $18,000 in the Plus version), with no interest or monthly payments, repaid at the end of the mortgage. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Deferred

    See the program Official page

  • Monthly Payment Loan

    Statewide in Minnesota

    Minnesota Housing loan of up to $14,000 for the down payment and closing costs, which you repay over 15 years at the same rate as your Minnesota Housing mortgage; it works with Start Up (first-time buyers) or Step Up. Offered by Minnesota Housing (Minnesota Housing Finance Agency).

    Repayable

    See the program Official page

Housing counselors near Duluth

The HUD-approved agencies closest to the center of Duluth, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Duluth

    2424 W 5th St, Duluth · 1 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (218) 726-1665

  • One Roof Community Housing

    12 E 4th St, Duluth · 2 miles away

    • Workshops for new owners
    • Pre-purchase counseling
    • and 1 more
    (218) 727-5372

  • Lutheran Social Service of Minnesota

    1330 E Superior St, Duluth · 3 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (218) 529-2227

Every agency in St. Louis County All counseling agencies in Minnesota

Help in Spanish near Duluth

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Duluth

HUD’s record names them for Duluth or St. Louis County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • HRA of DULUTH, MINNESOTA Public housing and Section 8 vouchers (218) 529-6300

7 other authorities have an office in St. Louis County: see the list Source: HUD

Cities

Other cities in St. Louis County

These cities are also in St. Louis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Louis County Housing in Minnesota

Nearby cities

The cities closest to Duluth, with the typical home value.

Neighboring counties

If St. Louis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Duluth.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Duluth

Short answers with the numbers for Duluth and all of St. Louis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Duluth?

The typical home value in Duluth is $242,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Louis County it is $221,400.

How much does it cost to rent in Duluth?

Typical rent in Duluth is $1,087 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Louis County is $1,207.

What is the FHA loan limit in Duluth?

Duluth uses the FHA limit for all of St. Louis County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Duluth?

The typical homeowner in Duluth pays $2,885 a year, according to the U.S. Census Bureau. That is 1.19% of the home’s value; in St. Louis County, the rate is 1.03%.

Where can I find free help to buy or rent in Duluth?

There are 4 HUD-approved counseling agencies with an office in St. Louis County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).