Duluth, MN housing supply, ownership, and rent

The published evidence provides the starting point: Duluth, MN's current ACS housing baseline includes 39,978 total housing units, 37,447 occupied units, and 2,531 vacant units. Those counts can still help a borrower establish the scale of the measured housing base before comparing tenure, rent, current listings, property condition, and financing. The figures describe stock across the survey period; they do not say that 2,531 homes were listed for sale or available to rent at one moment. For borrower planning, reading 39,978 total units with 37,447 occupied and 2,531 vacant units keeps the release internally grounded while leaving live availability to current listing and property evidence.

A grounded Duluth, MN comparison starts with current listings and lease offers, then uses the ACS evidence to check whether the sample is being interpreted in the context of 39,978 total units, a vacancy share of 6.3%, and an owner share of 59.4%. On the rental side, replace the $1,087 median with the actual lease, utilities, deposits, and expected changes. For ownership, keep the 59.4% share as market context while adding the selected property's price, taxes, insurance, maintenance, association obligations, loan disclosures, and cash-to-close. In practical terms, the resulting worksheet will not turn 40.6% or 59.4% into a recommendation, but it will keep the two paths comparable and make the remaining assumptions visible before a decision.