Pine Island, MN vs Combined Locks, WI: Cost of Living

Which city costs less?

Combined Locks, WI has a modeled overall cost index 10.3% lower than Pine Island, MN.

Pine Island, MN · modeled 2BR rent: $1,210 / month
Combined Locks, WI · modeled 2BR rent: $1,320 / 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 Pine Island, MN and Combined Locks, 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

Current salary in Pine Island, MN

Numbers update automatically as you type

Estimated savings: $657/month in Combined Locks, WI

$150,000 in your current city has a modeled equivalent of $142,116 in Combined Locks, WI

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

Overall Cost

↓ 10.3%

Less expensive

Monthly Impact

$657

Savings

Annual Impact

$7.9K

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.

Pine Island, MN

Population:4K

Cost Index:

90.9

100 = national average

Typical Home:$364K

Combined Locks, WI

Population:4K

Cost Index:

81.5

100 = national average

Typical Home:$336K

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Pine Island, MN

The North Star State

Population

State Tax

Yes

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

Combined Locks, WI

The Badger State

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Pine Island, MN vs Combined Locks, 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.

Category	Pine Island, MN	Combined Locks, WI	Difference	Change
Housing	$2,280/mo	$1,679/mo	↓ $601less	26.4%
Transportation	$1,293/mo	$1,365/mo	↑ $71.52more	5.5%
Other	$1,616/mo	$1,559/mo	↓ $57.40less	3.6%
Groceries	$1,037/mo	$983/mo	↓ $53.79less	5.2%
Healthcare	$762/mo	$737/mo	↓ $24.96less	3.3%
All Utilities	$512/mo	$521/mo	↑ $8.83more	1.7%

Housing

↓ 26.4%

Pine Island, MN

$2,280

Combined Locks, WI

$1,679

Difference

$601

less

Transportation

↑ 5.5%

Pine Island, MN

$1,293

Combined Locks, WI

$1,365

Difference

$71.52

Other

↓ 3.6%

Pine Island, MN

$1,616

Combined Locks, WI

$1,559

Difference

$57.40

less

Groceries

↓ 5.2%

Pine Island, MN

$1,037

Combined Locks, WI

$983

Difference

$53.79

less

Healthcare

↓ 3.3%

Pine Island, MN

$762

Combined Locks, WI

$737

Difference

$24.96

less

All Utilities

↑ 1.7%

Pine Island, MN

$512

Combined Locks, WI

$521

Difference

$8.83

🏠Rent Comparison

Studio

From$900

To$920

↑ $20.00

1 Bed

From$1,000

To$1,030

↑ $30.00

2 Bed

From$1,210

To$1,320

↑ $110

3 Bed

From$1,700

To$1,820

↑ $120

Pine Island, MNZIP-level data

1BR range: $1,000–$1,000/mo

Combined Locks, WIZIP-level data

1BR range: $1,030–$1,030/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 Pine Island, MN

$6,843

Monthly in Combined Locks, WI

$657

Difference

Home Values

Pine Island

Combined Locks

$364K

Median Value

$336K

↑ +3.1%

YoY Change

↑ +6.5%

↑ +31.8%

5-Year Change

↑ +47.4%

Homes in Combined Locks are 7% less expensive than Pine Island

Calculate payment - Pine Island Calculate payment - Combined Locks

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $1.6K

Per year

Monthly Difference

$132

More take-home

Effective Rate Diff

1.1%

Rate difference

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

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

Additional Tax Information

Pine Island, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

Combined Locks, 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

Pine Island

Combined Locks

36 Good

Air Quality

43 Good

72.4%

Good Air Days

68.6%

95 High

Climate Risk

98 High

🌊🌡🌪

Top Hazards

🌊🌡🌪

▲+3.7°F

2050 Outlook

▲+3.3°F

14 days

Heat Days >95°F

13 days

▲+3.7°F

2050 Outlook

▲+3.3°F

14 days

Heat Days >95°F

13 days

Before moving from Pine Island, MN to Combined Locks, WI

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

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

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

Frequently Asked Questions: Pine Island, MN vs Combined Locks, WI

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

Combined Locks, WI has a modeled overall cost index 10.3% lower than Pine Island, 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 Pine Island, MN, the model estimates $142,116 in Combined Locks, 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 Pine Island, MN and Combined Locks, WI?

The modeled two-bedroom rents are $1,210/month in Pine Island, MN and $1,320/month in Combined Locks, 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.

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

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