We may not like to pay them, but household expenses are a part of life that everyone includes in their monthly budget.

Recently, a 2024 U.S. Household Bill Pay Report was released from doxo that had some interesting insights, especially for Duluth residents.

First, I assume it's obvious to everyone that the cost of household expenses continues to rise, and the results of the 2024 U.S. Household Bill Pay Report reflect that. It found that the average amount consumers spend per year on the 10 most essential household bills grew 4% year over year.

What Are the 10 Most Essential Household Bills?

The report notes that $3.35 trillion is spent in the U.S. on the 10 most essential household bills, which are identified below along with how much is spent annually:

  • Mortgage - $885B
  • Rent - $656B
  • Auto Loan - $571B
  • Utilities - $451B
  • Auto Insurance - $271B
  • Mobile Phone - $180B
  • Cable & Internet - $156B
  • Health Insurance (consumer-direct portion) - $133B
  • Life Insurance - $34B
  • Alarm & Security - $17B

U.S. households spend an average of $25,513 per year, which is $2,126 per month on these ten most essential household bills. That accounts for about 34% of the average household income.

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The report also breaks out the household spending market size for each of these bill categories, the percentage of households that pay each bill, and the average monthly and annual bill pay costs by state.

How Do Duluth Household Expenses Compare To The National Average?

While the national average found Americans spending an average of $25,513 annually on these household bills, expenses in Duluth are over $1,500 higher. Expenses in Duluth are also higher than Minnesota's state average.

Here are some key findings for Duluth:

  • The average Duluth household pays $2,261 a month, or $27,133 a year for the 10 most common household bills.
  • Duluth households spend 37% of their income on household bills.
  • The household expenses in Duluth, on average, are 6.3% higher than the national average of $2,126, and 2% higher than the state average of $2,216.
  • Duluth is the #37 most expensive city in Minnesota for household bills.

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While Duluth's expenses are higher than the U.S. average, it certainly could be worse. The most expensive place to live is Hawaii, which is 50% above the national average. The least expensive place to live is Alabama.

You can access the full report through the button above to see their methodology and how the rest of the country ranked.

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