Duluth is considered moderately expensive in 2025, with average rent for a 2-bedroom apartment at $1,950 and slightly higher grocery costs compared to the national average.
For a couple living comfortably in Duluth, GA in 2025, a gross monthly income of around $5,200 is typically needed to cover housing, utilities, groceries, and other essentials. Let’s break down the key monthly expenses:
Housing Costs in Duluth
Housing is the biggest expense for most Duluth residents. Renting a 2-bedroom apartment averages $1,950 per month, while a 3-bedroom house rents for around $2,400. Buying a home is also costly, with the median price for a 3-bedroom single-family house at $450,000 in desirable neighborhoods like Sugarloaf and Chattahoochee River Club.
Typical housing costs in Duluth:
- 2-bedroom apartment rent: $1,800 – $2,100
- 3-bedroom house rent: $2,200 – $2,600
- Median 3-bedroom home price: $450,000
- Monthly mortgage on median home (with 20% down): $2,200
Many newer subdivisions have Homeowners Association (HOA) fees ranging from $200 – $400 per month. This covers amenities and exterior maintenance but adds to the overall housing cost.
Utilities and Energy Bills
Basic utilities for a 1,000 sq ft apartment in Duluth average $180 per month, including electricity, heating, cooling, water, and garbage. Internet adds another $65 per month. Expect higher electric bills in summer months due to air conditioning needs.
| Utility | Average Monthly Cost |
|---|---|
| Electricity, Heating, Cooling, Water, Garbage | $180 |
| Internet (60 Mbps or More, Unlimited Data, Cable/ADSL) | $65 |
Groceries and Food
Groceries in Duluth cost about 5% more than the national average. A single person spends around $350 per month on groceries, while a family of four averages $1,100. Dining out is also pricey, with a meal at an inexpensive restaurant costing $18 and a three-course meal for two at a mid-range restaurant averaging $70.
Here are some typical grocery costs in Duluth:
- Loaf of fresh white bread (500g): $3.20
- Milk (regular), (1 liter): $1.05
- Eggs (regular) (12): $3.00
- Chicken fillets (1kg): $13
- Beef round (1kg): $16
Taxes and Fees
Duluth’s property tax rate is 2.74%, higher than the national average. For a $450,000 home, annual property taxes would be around $12,330. Georgia’s sales tax is 4% and Gwinnett County adds another 2%, for a total of 6% on most purchases.
Vehicles are also taxed at 7% of the fair market value. For a $25,000 car, the annual vehicle tax would be $1,750. These taxes can add significantly to the overall cost of living.
Monthly Budget Comparison
| Expense | Single Person | Couple | Family of 4 |
|---|---|---|---|
| Housing (Rent) | $1,500 | $1,950 | $2,400 |
| Utilities | $180 | $245 | $350 |
| Groceries | $350 | $700 | $1,100 |
| Transportation | $200 | $300 | $400 |
| Healthcare | $300 | $600 | $1,200 |
| Other | $500 | $800 | $1,200 |
| Total | $3,030 | $4,595 | $6,650 |
Lifestyle Considerations
While Duluth is pricier than some Atlanta suburbs, it offers a high quality of life. Commute times are reasonable, with an average of 30 minutes. The city has excellent schools, abundant parks and green spaces, and a historic downtown with unique shops and restaurants.
Newer homes in master-planned communities provide ample space and amenities but come with higher price tags and HOA fees. More affordable options can be found in the Pleasant Hill area, with older homes and longer commutes to job centers. Residents must weigh the tradeoffs between housing costs, convenience, and lifestyle preferences.
Frequently Asked Questions
What salary do you need to live comfortably in Duluth?
To live comfortably in Duluth, a single person needs a gross monthly income of at least $3,500. For a couple, $5,200 per month allows for a comfortable lifestyle. Families will need $7,500+ to live well.
Is Duluth cheaper than Atlanta?
Duluth is slightly cheaper than Atlanta, with housing costs about 10% lower on average. However, Duluth is still more expensive than the Georgia average.
What is the cheapest area to live in Duluth?
The Pleasant Hill neighborhood offers the most affordable housing in Duluth, with older homes and apartments. Expect to pay 15-20% less than in newer areas.
How much are property taxes in Duluth?
Duluth’s property tax rate is 2.74%. For a $450,000 home, annual property taxes would be around $12,330.
What is the sales tax rate in Duluth?
The total sales tax rate in Duluth is 6%, consisting of 4% Georgia state tax and 2% Gwinnett County tax.
How do Duluth living costs compare to other Atlanta suburbs?
Duluth is in the mid-range for Atlanta suburb living costs. It’s more affordable than Alpharetta and Johns Creek but pricier than Lawrenceville and Snellville.
Is Duluth a good place to raise a family?
Duluth is an excellent place for families, with top-rated schools, safe neighborhoods, abundant parks, and family-friendly amenities. However, the higher cost of living is a consideration.
What are the best ways to save money living in Duluth?
To minimize living costs in Duluth, consider renting or buying in more affordable areas like Pleasant Hill. Compare moving company costs and options to find the best value. Cook meals at home, use free community amenities, and take advantage of local discounts.