The median home in Duluth, Minnesota is valued at $274,951, up 6.6% year over year. Typical monthly rent is $1,869, producing a price-to-rent ratio of 12.3x — below the national average of 18x. Duluth is part of the Duluth, MN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.
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Home Value$274,951
+6.6%
Rent$1,869/mo
AFFORDABILITYBuying $72/mo cheaper ($1,869 rent)6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.
Enter your income for Duluth.
$54,990 on $274,951
Stretch — 28.8% of income
Above 28% but manageable with cuts.
PITI$1,797
P/I28.8%
Afford$268K
Gap-$7K
P&I $1,390Tax $257Ins $150
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
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Full Duluth, MN-WI analysis
Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Duluth, MN-WI metro.
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