Combined Locks, WI vs Chatfield, MN: Cost of Living

Which city costs less?

Chatfield, MN has a modeled overall cost index 2.8% higher than Combined Locks, WI.

Combined Locks, WI · modeled 2BR rent: $1,320 / month
Chatfield, 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 Combined Locks, WI and Chatfield, 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 Combined Locks, WI

Numbers update automatically as you type

Estimated extra cost: $173/month in Chatfield, MN

$150,000 in your current city has a modeled equivalent of $152,082 in Chatfield, MN

Regional cost estimates: Combined Locks, WI uses Milwaukee, WI. Chatfield, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.8%

More expensive

Monthly Impact

$173

Extra cost

Annual Impact

$2.1K

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.

Combined Locks, WI

Population:4K

Cost Index:

81.5

100 = national average

Typical Home:$336K

Chatfield, MN

Population:3K

Cost Index:

83.8

100 = national average

Typical Home:$341K

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Combined Locks, WI

The Badger State

Population

State Tax

Yes

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

Chatfield, MN

The North Star State

Population

State Tax

Yes

Located in Minnesota, this city has a population of 3K residents.

Cost Breakdown by Category

Estimated monthly spending: Combined Locks, WI vs Chatfield, 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	Combined Locks, WI	Chatfield, MN	Difference	Change
Housing	$1,840/mo	$2,303/mo	↑ $463more	25.2%
Transportation	$1,496/mo	$1,306/mo	↓ $189less	12.7%
Other	$1,709/mo	$1,633/mo	↓ $75.82less	4.4%
All Utilities	$571/mo	$539/mo	↓ $32.10less	5.6%
Groceries	$1,078/mo	$1,091/mo	↑ $13.55more	1.3%
Healthcare	$807/mo	$801/mo	↓ $6.00less	0.7%

Housing

↑ 25.2%

Combined Locks, WI

$1,840

Chatfield, MN

$2,303

Difference

$463

Transportation

↓ 12.7%

Combined Locks, WI

$1,496

Chatfield, MN

$1,306

Difference

$189

less

Other

↓ 4.4%

Combined Locks, WI

$1,709

Chatfield, MN

$1,633

Difference

$75.82

less

All Utilities

↓ 5.6%

Combined Locks, WI

$571

Chatfield, MN

$539

Difference

$32.10

less

Groceries

↑ 1.3%

Combined Locks, WI

$1,078

Chatfield, MN

$1,091

Difference

$13.55

Healthcare

↓ 0.7%

Combined Locks, WI

$807

Chatfield, MN

$801

Difference

$6.00

less

🏠Rent Comparison

Studio

From$920

To$900

↓ $20.00

1 Bed

From$1,030

To$1,000

↓ $30.00

2 Bed

From$1,320

To$1,210

↓ $110

3 Bed

From$1,820

To$1,700

↓ $120

Combined Locks, WIZIP-level data

1BR range: $1,030–$1,030/mo

Chatfield, 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 Combined Locks, WI

$7,673

Monthly in Chatfield, MN

$173

Difference

Home Values

Combined Locks

Chatfield

$336K

Median Value

$341K

↑ +6.5%

YoY Change

↑ +2.8%

↑ +47.4%

5-Year Change

↑ +32.8%

Homes in Chatfield are 1% more expensive than Combined Locks

Calculate payment - Combined Locks Calculate payment - Chatfield

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.6K

More taxes

Monthly Difference

$132

Less take-home

Effective Rate Diff

1.1%

Rate difference

Combined Locks, WI

Federal Income Tax

Effective: 18.9%

$25.5K

Wisconsin State Tax

Effective: 5.9%

$8.8K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 30.6%

$45.9K

Take-Home Pay

$8,678/month

$104.1K

Chatfield, 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

Combined Locks, WI Tax Rates

Sales Tax:5.6%

Property Tax:1.8%

Chatfield, 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

Combined Locks

Chatfield

43 Good

Air Quality

36 Good

68.6%

Good Air Days

72.4%

98 High

Climate Risk

95 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.3°F

2050 Outlook

▲+3.7°F

13 days

Heat Days >95°F

14 days

▲+3.3°F

2050 Outlook

▲+3.7°F

13 days

Heat Days >95°F

14 days

Before moving from Combined Locks, WI to Chatfield, MN

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

Compare actual homes. Get current quotes in Chatfield, MN for the same bedroom count and included utilities as your home in Combined Locks, WI. 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 Combined Locks to Chatfield moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Combined Locks, WI vs Chatfield, MN

How do the cost estimates for Combined Locks, WI and Chatfield, MN compare?

Chatfield, MN has a modeled overall cost index 2.8% higher than Combined Locks, WI. 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 Combined Locks, WI, the model estimates $152,082 in Chatfield, 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 Combined Locks, WI and Chatfield, MN?

The modeled two-bedroom rents are $1,320/month in Combined Locks, WI and $1,210/month in Chatfield, 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.

💰 See how taxes change too — compare take-home pay between Wisconsin and Minnesota on TaxTakeHome.com

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