Moving from St. Cloud to Duluth
St. Cloud to Duluth: $100 less leftover
$2,487/mo leftover in Duluth vs $2,587 in St. Cloud after tax and rent ($100 less). −$1,200 a year — not a moving-company quote.
St. Cloud leftover
$2,587
a month after tax and rent
Duluth leftover
$2,487
−$100 vs St. Cloud
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
Leftover is not a cost-of-living index. Leftover vs a COL index
Who already made this move
In 2022-2023, 71 households moved St. Cloud → Duluth (about 103 people, average AGI $53,479). 36 households went the other way.
Source: IRS SOI county-to-county migration. Not a moving company; not a recommendation.
| Per month | St. Cloud | Duluth |
|---|---|---|
| Take-home | $5,349 | $5,309 |
| Rent | $986 | $1,049 |
| All other costs | $1,776 | $1,773 |
| Left over | $2,587 | $2,487 |
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between St. Cloud and Duluth moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Full line-by-line comparison →
What the move itself costs
About 188 road miles, 1 bedroom. Typical ranges, not quotes.
- Full-service mover
- $1,750–$3,250
- Container or pod
- $1,150–$2,200
- Rent a truck
- $450–$850
Other moves from St. Cloud
Dig into Duluth
Paycheck
Take-home pay after tax and rent, and what's left at the end of the month.
Who moved
Which metros people actually left and arrived from, according to IRS tax returns.
Rent vs buy
Asking rent, the median home, property tax, and months to a down payment.
Monthly costs
Groceries, getting around, utilities, healthcare and childcare at your household size.
Daily life
Homicide and firearm death rates, heat, cars and commute.
Kids
Public-school enrollment, pupil–teacher ratio, bedrooms and childcare.
Getting there
Typical cost to get here, then leftover after tax and rent — not a moving-company directory.
Questions
Is the cost of living lower in Duluth than St. Cloud?
A one-bedroom is about $986 in St. Cloud versus $1,049 in Duluth. On a one-adult, one-bedroom household, leftover is about $100 a month lower in Duluth. Change the job or household on the comparison to see your number.
Does Duluth have state income tax?
Duluth is in Minnesota, which taxes wage income.
Did people actually move from St. Cloud to Duluth?
When IRS county-to-county data covers this pair, the page lists how many households made the St. Cloud → Duluth move and their average AGI. Leftover after tax and rent is shown for the same household on both sides.