HomeMinnesotaSt. Louis CountyDuluth
Duluth, Minnesota: commercial real estate data.
Duluth is a Census city of 87,093 people across 71.66 square miles of land, in St. Louis County. Median household income is $68,807, 59.4 percent of occupied homes are owned, and the SBA record carries 170 7(a) approvals to borrowers here worth $61.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Duluth
What Duluth is
- Census place typecity
- Land area71.66 sq mi
- Water area8.51 sq mi
- Population per square mile of land1,215
- County holding the largest share of its areaSt. Louis County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Duluth
How many people live in Duluth
- Population87,093
- Median age35.2
- Population under 1815,295
- Share under 1817.6 percent
- Population 65 and over15,068
- Share 65 and over17.3 percent
- Households37,447
- Family households18,482
- Share of households that are families49.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Duluth
Income and work in Duluth
- Median household income$68,807
- Per capita income$41,503
- Civilian labor force48,580
- Employed46,292
- Unemployed2,288
- Unemployment rate4.7 percent
- Adults 25 and over55,778
- Adults 25 and over with a high school diploma or higher95.8 percent
- Adults 25 and over with a bachelor degree or higher44.0 percent
- Adults 25 and over with a graduate degree16.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Duluth
Housing in Duluth
- Housing units39,978
- Occupied units37,447
- Vacant units2,531
- Vacancy rate6.3 percent
- Owner occupied22,236
- Renter occupied15,211
- Ownership rate59.4 percent
- Median owner-occupied home value$242,700
- Median gross rent, monthly$1,087
- Annual rent as a share of median income19.0 percent
- Single family units24,926
- Share single family62.3 percent
- Units in buildings of two or more14,114
- Share in buildings of two or more35.3 percent
- Mobile homes938
- Median year structure built1951
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Duluth
How Duluth gets to work
- Workers 16 and over who commute39,572
- Commuting under 15 minutes17,547
- Share commuting under 15 minutes44.3 percent
- Commuting 30 minutes or more5,131
- Share commuting 30 minutes or more13.0 percent
- Drove alone69.1 percent
- Carpooled7.4 percent
- Public transport3.3 percent plus or minus 0.7
- Walked4.7 percent plus or minus 1.1
- Worked from home13.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Duluth
SBA loans in Duluth (7(a))
- Approvals170
- Gross approval$61,782,500
- Average approval$363,426
- Median approval$150,000
- Ninetieth percentile approval$883,150
- Largest approval$5,000,000
- Jobs supported2,006
- Jobs per approval11.8
- Loans with a final outcome55
- Paid in full55
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more15.3 percent
- Share to franchises8.8 percent
- Distinct lenders33
- Distinct industries by NAICS94
Counted by borrower city: approvals to borrowers whose address is in Duluth, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Duluth
SBA loans in Duluth (504)
- Approvals61
- Gross approval$37,828,000
- Average approval$620,131
- Median approval$365,000
- Largest approval$3,142,000
- Jobs supported743
- Loans with a final outcome17
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Duluth, in any county, FY2010 to FY2026. Only 17 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Duluth
Flood risk in Duluth
- NFIP communityCity of Duluth
- NFIP community number270421
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/25/25
The City of Duluth participates in the National Flood Insurance Program as community 270421 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
St. Louis County, not Duluth
St. Louis County context, not Duluth figures
- Establishments in St. Louis County5,360
- Covered employment, St. Louis County95,504
- Average annual pay, St. Louis County$60,452
- Housing units permitted, St. Louis County637
Every figure in this section is published for St. Louis County as a whole and is not a measurement of Duluth.
All St. Louis County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Duluth questions, answered from the record.
How many people live in Duluth, Minnesota?
87,093, in 37,447 households. Duluth city covers 71.66 square miles of land, which is 1,215 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Duluth in?
St. Louis County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Duluth?
$68,807. The median owner-occupied home is valued at $242,700. Median gross rent is $1,087 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Duluth businesses?
170 7(a) approvals totaling $61.8 m since FY2020, across 33 lenders, median approval $150,000, plus 61 504 approvals worth $37.8 m since FY2010. These count approvals to borrowers whose address is in Duluth, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Duluth borrowers get paid back?
Of the 55 loans that have reached a final outcome, 55 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Duluth in the National Flood Insurance Program?
Yes. Duluth appears in the FEMA Community Status Book as Duluth, city of, community 270421, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Duluth figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for St. Louis County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Duluth.
Is zoning published for Duluth?
No. Nothing on this page presents parcel level zoning.
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