Duluth, Minnesota.
Typical home $296,120 (+4.6% in a year), asking rent $1,434 (+3.4%). Duluth, MN-WI metro.
to buy the typical home at today's mortgage rate — +$847 (+120%) since Jan 2020.
- 1 year
- Up $12,954 +5%
- $283,166$296,120 since Sep 2025
- 5 years
- Up $65,620 +28%
- $230,500$296,120 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Duluth$1,554
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Duluth, MN rose 4.6% over the past year — faster than the nation's +1.2%.
Asking rents in Duluth, MN rose 3.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Duluth runs $690/mo more than renting one — the widest that gap has been in this data.
That is $2,124 a month against $1,434 rent: a $1,554 mortgage payment, plus $253 property tax and $317 insurance & upkeep.
Owning vs renting — Duluth
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,124
- Renting$1,434
- Mortgage only$1,554
Property tax · $253/mo 1.03% of value a year — the ACS 2020-2024 median bill over the median home value for Saint Louis County, MN
Insurance & upkeep · $317/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Duluth, St. Louis County, Minnesota
Duluth is a city of 86,697 people in St. Louis County. Half its households earn more than $68,807 a year and half less, against $70,069 across St. Louis County; 17% of its people live below the poverty line. 59% of its homes are lived in by their owners and 41% are rented. Unemployment in Duluth was 4.6% in August 2026, and St. Louis County had 0.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Duluth is a city on the shore of Lake Superior, and its residents are younger than in much of the country. Incomes run a little below the county's, and a good share of residents live below the poverty line. More adults hold a four-year degree than is typical, and most homes are lived in by their owners. Winters are cold, with January the coldest month, while July brings pleasantly warm days.
Work. Many residents work in schools, hospitals and social care, followed by shops, restaurants and hotels, and professional and business services. Among the largest workplaces in Duluth are St. Luke's Hospital of Duluth, St. Mary's Medical Center and St. Louis County. Unemployment is higher than a year ago, and the county has lost a few jobs over the past year. The typical commute is short, and some residents work from home.
Things to do. Several of the town's best-known places sit right in or beside the city, including the Saint Louis River, the Lake Superior Railroad Museum and Duluth Depot, a museum. The Great Lakes Aquarium is also in or beside town. A short drive away, the Lake Superior Zoo is another outing.
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- 37,447households
- 44%of adults have a degree
- 17%below the poverty line
- 17 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Louis County had 95,078 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 21° and lows near 4°; warmest in July, with highs near 75° and lows near 58°.
Average daily high and low, 1991–2020, at the Duluth Harbor Station weather station, 2 miles away (NOAA).
Largest workplaces in Duluth
- St. Lukes Hospital of DuluthGeneral hospital2,059FTE
- St. Marys Medical CenterGeneral hospital1,859FTE
- Smdc Medical CenterGeneral hospital1,607FTE
- St. Louis CountyGeneral government815
- Essentia HealthMedical office management services746
- The Jamar Company627
- Essentia HealthFamily physicians' offices564
- Essentia HealthFamily physicians' offices538
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 160 workplaces with 20 or more staff, 23,850 people in all. Hospitals come from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningRelatively high
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Duluth’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on St. Louis County and the Duluth, MN-WI metro.
Duluth home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Duluth$296,120
- Minnesota$348,778
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Duluth listings, and the typical home goes pending in 9 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Duluth28.78%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Duluth9
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Duluth288
New listings per month
Sellers arriving at the market.
- Duluth129
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Duluth$293,252
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Duluth100.82%
Zip codes with a Duluth address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Duluth — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Duluth
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 55803 | Duluth | 17,662 | $2,300 | $360,661 |
| 55804 | Duluth | 15,922 | $2,204 | $363,918 |
| 55812 | Duluth | 10,859 | $1,336 | $351,046 |
| 55805 | Duluth | 10,602 | $1,346 | $221,356 |
| 55807 | Duluth | 9,763 | — | $214,995 |
| 55806 | Duluth | 9,356 | $1,171 | $213,639 |
| 55808 | Duluth | 5,691 | $1,200 | $216,848 |
| 55802 | Duluth | 2,399 | $1,407 | $493,942 |