Holmen, WI vs Grafton, WI: Cost of Living

Which city costs less?

Grafton, WI has a modeled overall cost index 7.2% lower than Holmen, WI.

Holmen, WI · modeled 2BR rent
$1,280 / month
Grafton, WI · modeled 2BR rent
$1,310 / 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 Holmen, WI and Grafton, WI 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

$
Numbers update automatically as you type

Estimated savings: $482/month in Grafton, WI

$150,000 in your current city has a modeled equivalent of $144,217 in Grafton, WI

Regional cost estimates: Holmen, WI uses Madison, WI. Grafton, WI uses Milwaukee, WI. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 7.2%
Less expensive
Monthly Impact
$482
Savings
Annual Impact
$5.8K
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.

Holmen, WI

Population:12K
Cost Index:
89.9
100 = national average
Typical Home:$404K

Grafton, WI

Population:13K
Cost Index:
83.4
100 = national average
Typical Home:$450K

Planning the move to Grafton?

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Holmen, WI

The Badger State

12K
Population
State Tax
Yes

Located in Wisconsin, this city has a population of 12K residents.

Grafton, WI

The Badger State

13K
Population
State Tax
Yes

Located in Wisconsin, this city has a population of 13K residents.

Cost Breakdown by Category

Estimated monthly spending: Holmen, WI vs Grafton, WI

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.

Housing
↓ 25.3%
Holmen, WI
$2,313
Grafton, WI
$1,728
Difference
$584
less
Transportation
↑ 7.0%
Holmen, WI
$1,313
Grafton, WI
$1,405
Difference
$92.46
more
Other
↓ 4.0%
Holmen, WI
$1,671
Grafton, WI
$1,605
Difference
$66.18
less
Groceries
↑ 3.5%
Holmen, WI
$967
Grafton, WI
$1,000
Difference
$33.47
more
Healthcare
↑ 3.5%
Holmen, WI
$724
Grafton, WI
$750
Difference
$25.08
more
All Utilities
↑ 3.5%
Holmen, WI
$512
Grafton, WI
$530
Difference
$17.73
more

🏠Rent Comparison

Studio
From$880
To$1,010
↑ $130
1 Bed
From$980
To$1,100
↑ $120
2 Bed
From$1,280
To$1,310
↑ $30.00
3 Bed
From$1,660
To$1,610
↓ $50.00
Holmen, WIZIP-level data

1BR range: $980–$980/mo

Grafton, WIZIP-level data

1BR range: $1,100–$1,100/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 Holmen, WI
$7,018
Monthly in Grafton, WI
$482
Difference

Home Values

Holmen
Grafton
$404K
Median Value
$450K
↑ +2.1%
YoY Change
↑ +4.5%
↑ +34.6%
5-Year Change
↑ +35.5%

Homes in Grafton are 11% more expensive than Holmen

Calculate payment - HolmenCalculate payment - Grafton

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
$0
Same take-home
Effective Rate Diff
0.0%
Rate difference

Holmen, 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

Grafton, 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

Additional Tax Information

Holmen, WI Tax Rates

Sales Tax:5.6%
Property Tax:1.8%

Grafton, WI Tax Rates

Sales Tax:5.6%
Property Tax:1.8%

💡 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

Holmen
Grafton
42 Good
Air Quality
43 Good
72.1%
Good Air Days
68.6%
94 Moderate
Climate Risk
98 High
🌊🌪💨
Top Hazards
🌊🌡🌪
▲+3.4°F
2050 Outlook
▲+3.3°F
10 days
Heat Days >95°F
13 days
▲+3.4°F
2050 Outlook
▲+3.3°F
10 days
Heat Days >95°F
13 days

Before moving from Holmen, WI to Grafton, WI

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

  1. Compare actual homes. Get current quotes in Grafton, WI for the same bedroom count and included utilities as your home in Holmen, WI. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. 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.
  3. 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.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Holmen to Grafton moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Holmen, WI vs Grafton, WI

How do the cost estimates for Holmen, WI and Grafton, WI compare?

Grafton, WI has a modeled overall cost index 7.2% lower than Holmen, 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 Holmen, WI, the model estimates $144,217 in Grafton, WI. 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 Holmen, WI and Grafton, WI?

The modeled two-bedroom rents are $1,280/month in Holmen, WI and $1,310/month in Grafton, WI. 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.

Where your money goes further

Cities cheaper than Holmen, WI on a $150.0K salary

1.St. Louis, MO
Save $198/mo
2.Indianapolis, IN
Save $168/mo

Similar cost to Grafton, WI

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