Milford, IA vs Zumbrota, MN: Cost of Living

Which city costs less?

Zumbrota, MN has a modeled overall cost index 25.7% higher than Milford, IA.

Milford, IA · modeled 2BR rent
$1,040 / month
Zumbrota, MN · modeled 2BR rent
$970 / 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 Milford, IA and Zumbrota, 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

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Estimated extra cost: $1,714/month in Zumbrota, MN

$150,000 in your current city has a modeled equivalent of $170,567 in Zumbrota, MN

Regional cost estimates: Milford, IA uses Des Moines, IA. Zumbrota, MN uses Saint Paul, MN. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 25.7%
More expensive
Monthly Impact
$1,714
Extra cost
Annual Impact
$20.6K
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.

Milford, IA

Population:3K
Cost Index:
73.5
100 = national average
Typical Home:$324K

Zumbrota, MN

Population:4K
Cost Index:
92.4
100 = national average
Typical Home:$319K

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Milford, IA

The Hawkeye State

3K
Population
State Tax
Yes

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

Zumbrota, MN

The North Star State

4K
Population
State Tax
Yes

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

Cost Breakdown by Category

Estimated monthly spending: Milford, IA vs Zumbrota, 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
↑ 40.1%
Milford, IA
$2,004
Zumbrota, MN
$2,808
Difference
$804
more
Other
↑ 15.6%
Milford, IA
$1,721
Zumbrota, MN
$1,991
Difference
$269
more
Transportation
↑ 19.6%
Milford, IA
$1,331
Zumbrota, MN
$1,593
Difference
$261
more
Groceries
↑ 17.5%
Milford, IA
$1,078
Zumbrota, MN
$1,267
Difference
$189
more
Healthcare
↑ 15.1%
Milford, IA
$808
Zumbrota, MN
$930
Difference
$122
more
All Utilities
↑ 12.3%
Milford, IA
$557
Zumbrota, MN
$625
Difference
$68.34
more

🏠Rent Comparison

Studio
From$790
To$670
↓ $120
1 Bed
From$790
To$800
↑ $10.00
2 Bed
From$1,040
To$970
↓ $70.00
3 Bed
From$1,250
To$1,350
↑ $100
Milford, IAZIP-level data

1BR range: $790–$790/mo

Zumbrota, MNZIP-level data

1BR range: $800–$800/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 Milford, IA
$9,214
Monthly in Zumbrota, MN
$1,714
Difference

Home Values

Milford
Zumbrota
$324K
Median Value
$319K
↑ +3%
YoY Change
↑ +4%
↑ +38.1%
5-Year Change
↑ +30.4%

Homes in Zumbrota are 1% less expensive than Milford

Calculate payment - MilfordCalculate payment - Zumbrota

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $272
Per year
Monthly Difference
$22.70
More take-home
Effective Rate Diff
0.2%
Rate difference

Milford, IA

Federal Income Tax
Effective: 18.9%
$25.5K
Iowa State Tax
Effective: 7.1%
$10.7K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 31.8%
$47.7K
Take-Home Pay
$8,524/month
$102.3K

Zumbrota, 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

Milford, IA Tax Rates

Sales Tax:7.4%
Property Tax:1.5%

Zumbrota, 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

Milford
Zumbrota
45 Good
Air Quality
36 Good
67.5%
Good Air Days
72.4%
92 Moderate
Climate Risk
95 High
🌡☀🌪
Top Hazards
🌊🌡🌪
▲+3.4°F
2050 Outlook
▲+3.7°F
25 days
Heat Days >95°F
14 days
▲+3.4°F
2050 Outlook
▲+3.7°F
25 days
Heat Days >95°F
14 days

Before moving from Milford, IA to Zumbrota, 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 Zumbrota, MN for the same bedroom count and included utilities as your home in Milford, IA. 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 Milford to Zumbrota moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Milford, IA vs Zumbrota, MN

How do the cost estimates for Milford, IA and Zumbrota, MN compare?

Zumbrota, MN has a modeled overall cost index 25.7% higher than Milford, IA. 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 Milford, IA, the model estimates $170,567 in Zumbrota, 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 Milford, IA and Zumbrota, MN?

The modeled two-bedroom rents are $1,040/month in Milford, IA and $970/month in Zumbrota, 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 Iowa and Minnesota on TaxTakeHome.com

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