 The per capita income was $18,969.About 8.6% of families and 15.5% of all residents were below the poverty line, including 15.4% of those under 18 and 9.5% of those 65 or over.Duluth is the major regional center for health care, higher education, retail, and business services not only of its own immediate area but also of a larger area encompassing northeastern Minnesota, northwestern Wisconsin, and the western Upper Peninsula of Michigan.