Cold Spring, MN vs Pine Island, MN: Cost of Living

Which city costs less?

Pine Island, MN has a modeled overall cost index 0.9% higher than Cold Spring, MN.

Cold Spring, MN · modeled 2BR rent: $1,360 / month
Pine Island, MN · modeled 2BR rent: $1,210 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Cold Spring, MN and Pine Island, MN using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

Current salary in Cold Spring, MN

Numbers update automatically as you type

Estimated extra cost: $102/month in Pine Island, MN

$150,000 in your current city has a modeled equivalent of $151,225 in Pine Island, MN

Regional cost estimates: Cold Spring, MN uses Minneapolis, MN. Pine Island, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 0.9%

More expensive

Monthly Impact

$102

Extra cost

Annual Impact

$1.2K

Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Cold Spring, MN

Population:4K

Cost Index:

90.1

100 = national average

Typical Home:$362K

Pine Island, MN

Population:4K

Cost Index:

90.9

100 = national average

Typical Home:$364K

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Cold Spring, MN

The North Star State

Population

State Tax

Yes

Located in Minnesota, this city has a population of 4K residents.

Pine Island, MN

The North Star State

Population

State Tax

Yes

Located in Minnesota, this city has a population of 4K residents.

Cost Breakdown by Category

Estimated monthly spending: Cold Spring, MN vs Pine Island, MN

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Category	Cold Spring, MN	Pine Island, MN	Difference	Change
Transportation	$1,263/mo	$1,311/mo	↑ $47.56more	3.8%
Groceries	$1,032/mo	$1,051/mo	↑ $19.24more	1.9%
Healthcare	$758/mo	$772/mo	↑ $14.13more	1.9%
Other	$1,625/mo	$1,638/mo	↑ $13.45more	0.8%
All Utilities	$509/mo	$519/mo	↑ $9.50more	1.9%
Housing	$2,313/mo	$2,311/mo	↓ $1.82less	0.1%

Transportation

↑ 3.8%

Cold Spring, MN

$1,263

Pine Island, MN

$1,311

Difference

$47.56

Groceries

↑ 1.9%

Cold Spring, MN

$1,032

Pine Island, MN

$1,051

Difference

$19.24

Healthcare

↑ 1.9%

Cold Spring, MN

$758

Pine Island, MN

$772

Difference

$14.13

Other

↑ 0.8%

Cold Spring, MN

$1,625

Pine Island, MN

$1,638

Difference

$13.45

All Utilities

↑ 1.9%

Cold Spring, MN

$509

Pine Island, MN

$519

Difference

$9.50

Housing

↓ 0.1%

Cold Spring, MN

$2,313

Pine Island, MN

$2,311

Difference

$1.82

less

🏠Rent Comparison

Studio

From$990

To$900

↓ $90.00

1 Bed

From$1,040

To$1,000

↓ $40.00

2 Bed

From$1,360

To$1,210

↓ $150

3 Bed

From$1,810

To$1,700

↓ $110

Cold Spring, MNZIP-level data

1BR range: $1,040–$1,040/mo

Pine Island, MNZIP-level data

1BR range: $1,000–$1,000/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500

Monthly in Cold Spring, MN

$7,602

Monthly in Pine Island, MN

$102

Difference

Home Values

Cold Spring

Pine Island

$362K

Median Value

$364K

↑ +3.5%

YoY Change

↑ +3.1%

↑ +35.9%

5-Year Change

↑ +31.8%

Calculate payment - Cold Spring Calculate payment - Pine Island

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

→ $0

Same taxes

Monthly Difference

Same take-home

Effective Rate Diff

0.0%

Rate difference

Cold Spring, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Pine Island, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Additional Tax Information

Cold Spring, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Pine Island, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Cold Spring

Pine Island

42 Good

Air Quality

36 Good

66.4%

Good Air Days

72.4%

98 High

Climate Risk

95 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.6°F

2050 Outlook

▲+3.7°F

14 days

Heat Days >95°F

14 days

▲+3.6°F

2050 Outlook

▲+3.7°F

14 days

Heat Days >95°F

14 days

Before moving from Cold Spring, MN to Pine Island, MN

Use this comparison to shortlist a move, then check the costs that depend on your household.

Compare actual homes. Get current quotes in Pine Island, MN for the same bedroom count and included utilities as your home in Cold Spring, MN. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Cold Spring to Pine Island moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Pine Island, MN by cost, housing, population and region.

Frequently Asked Questions: Cold Spring, MN vs Pine Island, MN

How do the cost estimates for Cold Spring, MN and Pine Island, MN compare?

Pine Island, MN has a modeled overall cost index 0.9% higher than Cold Spring, MN. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Cold Spring, MN, the model estimates $151,225 in Pine Island, MN. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Cold Spring, MN and Pine Island, MN?

The modeled two-bedroom rents are $1,360/month in Cold Spring, MN and $1,210/month in Pine Island, MN. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

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