Howards Grove, WI vs Chatfield, MN: Cost of Living

Which city costs less?

Chatfield, MN has a modeled overall cost index 1.7% higher than Howards Grove, WI.

Howards Grove, WI · modeled 2BR rent
$1,230 / 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 Howards Grove, 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

$
Numbers update automatically as you type

Estimated extra cost: $106/month in Chatfield, MN

$150,000 in your current city has a modeled equivalent of $151,272 in Chatfield, MN

Regional cost estimates: Howards Grove, WI uses Milwaukee, WI. Chatfield, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 1.7%
More expensive
Monthly Impact
$106
Extra cost
Annual Impact
$1.3K
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.

Howards Grove, WI

Population:3K
Cost Index:
82.4
100 = national average
Typical Home:$318K

Chatfield, MN

Population:3K
Cost Index:
83.8
100 = national average
Typical Home:$341K

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Howards Grove, WI

The Badger State

3K
Population
State Tax
Yes

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

Chatfield, MN

The North Star State

3K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Howards Grove, 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.

Housing
↑ 23.9%
Howards Grove, WI
$1,843
Chatfield, MN
$2,283
Difference
$440
more
Transportation
↓ 13.6%
Howards Grove, WI
$1,498
Chatfield, MN
$1,295
Difference
$203
less
Other
↓ 5.4%
Howards Grove, WI
$1,711
Chatfield, MN
$1,618
Difference
$93.12
less
All Utilities
↓ 6.1%
Howards Grove, WI
$569
Chatfield, MN
$534
Difference
$34.82
less
Healthcare
↓ 1.3%
Howards Grove, WI
$804
Chatfield, MN
$794
Difference
$10.18
less
Groceries
↑ 0.7%
Howards Grove, WI
$1,074
Chatfield, MN
$1,081
Difference
$7.78
more

🏠Rent Comparison

Studio
From$850
To$900
↑ $50.00
1 Bed
From$980
To$1,000
↑ $20.00
2 Bed
From$1,230
To$1,210
↓ $20.00
3 Bed
From$1,490
To$1,700
↑ $210
Howards Grove, WIZIP-level data

1BR range: $980–$980/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 Howards Grove, WI
$7,606
Monthly in Chatfield, MN
$106
Difference

Home Values

Howards Grove
Chatfield
$318K
Median Value
$341K
↑ +6.6%
YoY Change
↑ +2.8%
↑ +53.2%
5-Year Change
↑ +32.8%

Homes in Chatfield are 7% more expensive than Howards Grove

Calculate payment - Howards GroveCalculate 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

Howards Grove, 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

Howards Grove, 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

Howards Grove
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 Howards Grove, WI to Chatfield, MN

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

  1. Compare actual homes. Get current quotes in Chatfield, MN for the same bedroom count and included utilities as your home in Howards Grove, 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 Howards Grove 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: Howards Grove, WI vs Chatfield, MN

How do the cost estimates for Howards Grove, WI and Chatfield, MN compare?

Chatfield, MN has a modeled overall cost index 1.7% higher than Howards Grove, 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 Howards Grove, WI, the model estimates $151,272 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 Howards Grove, WI and Chatfield, MN?

The modeled two-bedroom rents are $1,230/month in Howards Grove, 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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