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.

Home Value$274,951

+6.6%

Rent$1,869/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Duluth.

Income (annual)

Down Payment

$54,990 on $274,951

Example: $75,000 household income. Change it above to see your own.

Stretch28.8% of income

Above 28% but manageable with cuts.

PITI$1,797

P/I28.8%

Afford$268K

Gap-$7K

P&I $1,390Tax $257Ins $150

Buying $72/mo cheaper ($1,869 rent)6.50% 30yr, 20% down, county tax + MN ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Minnesota

Compare Duluth with other housing markets across Minnesota.

Minnetonka Beach$2.22M Woodland$1.62M Greenwood$1.6M Sunfish Lake$1.16M Orono$1.08M Medicine Lake$1.08M Tonka Bay$1.06M Deephaven$1.02M

Full Duluth, MN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Duluth, MN-WI metro.

View Duluth, MN-WI metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.