Most of Duluth is in St. Louis County, where a full-time job needs to pay at least $23.89 an hour before taxes to take home four times the typical studio rent.
Across the 12 ZIP codes in Duluth with HUD rent figures, studio rents run from $780 to $1,200 a month. At the middle rent, $915, a full-time job would need to pay $28.65 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 55802 | St. Louis County | $910/mo | $28.48/hr |
| 55803 | St. Louis County | $1,200/mo | $38.99/hr |
| 55804 | St. Louis County | $1,120/mo | $35.83/hr |
| 55805 | St. Louis County | $850/mo | $26.43/hr |
| 55806 | St. Louis County | $780/mo | $24.06/hr |
| 55807 | St. Louis County | $840/mo | $26.09/hr |
| 55808 | St. Louis County | $830/mo | $25.75/hr |
| 55810 | St. Louis County | $920/mo | $28.82/hr |
| 55811 | St. Louis County | $1,070/mo | $33.95/hr |
| 55812 | St. Louis County | $1,050/mo | $33.27/hr |
| 55814 | St. Louis County | $1,070/mo | $33.95/hr |
| 55816 | St. Louis County | $860/mo | $26.77/hr |
Under the Four Times Rent standard, a full-time job in Duluth needs to pay at least $23.89 an hour before taxes, about $49,698 a year. That is the figure for St. Louis County, where the typical studio rent is $775 a month.
Yes. Across the 12 ZIP codes in Duluth with HUD rent figures, studio rents run from $780 to $1,200 a month. At the middle rent of $915, the pay needed would be $28.65 an hour.
The minimum wage in St. Louis County is $11.41 an hour. The Four Times Rent standard there is 2.1 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads