Troy, IL vs Fort Atkinson, WI: Cost of Living

Which city costs less?

Fort Atkinson, WI has a modeled overall cost index 20.9% higher than Troy, IL.

Troy, IL · modeled 2BR rent: $1,180 / month
Fort Atkinson, WI · modeled 2BR rent: $1,160 / 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 Troy, IL and Fort Atkinson, 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 Troy, IL

Numbers update automatically as you type

Estimated extra cost: $1,550/month in Fort Atkinson, WI

$150,000 in your current city has a modeled equivalent of $168,595 in Fort Atkinson, WI

Regional cost estimates: Troy, IL uses St. Louis, MO. Fort Atkinson, WI uses Madison, WI. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 20.9%

More expensive

Monthly Impact

$1,550

Extra cost

Annual Impact

$18.6K

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.

Troy, IL

Population:11K

Cost Index:

80.8

100 = national average

Typical Home:$317K

Fort Atkinson, WI

Population:12K

Cost Index:

97.6

100 = national average

Typical Home:$309K

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Troy, IL

The Prairie State

11K

Population

State Tax

Yes

Located in Illinois, this city has a population of 11K residents.

Fort Atkinson, WI

The Badger State

12K

Population

State Tax

Yes

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

Cost Breakdown by Category

Estimated monthly spending: Troy, IL vs Fort Atkinson, 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	Troy, IL	Fort Atkinson, WI	Difference	Change
Housing	$1,915/mo	$2,824/mo	↑ $909more	47.4%
Healthcare	$622/mo	$849/mo	↑ $227more	36.6%
Transportation	$1,383/mo	$1,603/mo	↑ $220more	15.9%
Other	$1,828/mo	$2,040/mo	↑ $213more	11.6%
All Utilities	$632/mo	$600/mo	↓ $31.79less	5.0%
Groceries	$1,120/mo	$1,133/mo	↑ $12.66more	1.1%

Housing

↑ 47.4%

Troy, IL

$1,915

Fort Atkinson, WI

$2,824

Difference

$909

Healthcare

↑ 36.6%

Troy, IL

$622

Fort Atkinson, WI

$849

Difference

$227

Transportation

↑ 15.9%

Troy, IL

$1,383

Fort Atkinson, WI

$1,603

Difference

$220

Other

↑ 11.6%

Troy, IL

$1,828

Fort Atkinson, WI

$2,040

Difference

$213

All Utilities

↓ 5.0%

Troy, IL

$632

Fort Atkinson, WI

$600

Difference

$31.79

less

Groceries

↑ 1.1%

Troy, IL

$1,120

Fort Atkinson, WI

$1,133

Difference

$12.66

🏠Rent Comparison

Studio

From$930

To$800

↓ $130

1 Bed

From$960

To$920

↓ $40.00

2 Bed

From$1,180

To$1,160

↓ $20.00

3 Bed

From$1,520

To$1,540

↑ $20.00

Troy, ILZIP-level data

1BR range: $960–$960/mo

Fort Atkinson, WIZIP-level data

1BR range: $920–$920/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 Troy, IL

$9,050

Monthly in Fort Atkinson, WI

$1,550

Difference

Home Values

Troy

Fort Atkinson

$317K

Median Value

$309K

↑ +6.3%

YoY Change

↑ +5%

↑ +37.3%

5-Year Change

↑ +36.3%

Homes in Fort Atkinson are 2% less expensive than Troy

Calculate payment - Troy Calculate payment - Fort Atkinson

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.4K

More taxes

Monthly Difference

$119

Less take-home

Effective Rate Diff

0.9%

Rate difference

Troy, IL

Federal Income Tax

Effective: 18.9%

$25.5K

Illinois State Tax

Effective: 5.0%

$7.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 29.6%

$44.4K

Take-Home Pay

$8,797/month

$105.6K

Fort Atkinson, 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

Troy, IL Tax Rates

Sales Tax:8.8%

Property Tax:2.2%

Fort Atkinson, 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

Troy

Fort Atkinson

54 Moderate

Air Quality

42 Good

38%

Good Air Days

72.1%

99 High

Climate Risk

94 Moderate

🌊🌡🫨

Top Hazards

🌊🌪💨

▲+3.0°F

2050 Outlook

▲+3.4°F

39 days

Heat Days >95°F

10 days

▲+3.0°F

2050 Outlook

▲+3.4°F

39 days

Heat Days >95°F

10 days

Before moving from Troy, IL to Fort Atkinson, WI

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

Compare actual homes. Get current quotes in Fort Atkinson, WI for the same bedroom count and included utilities as your home in Troy, IL. 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 Troy to Fort Atkinson moving checklist to organize the tasks and timing.

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

Frequently Asked Questions: Troy, IL vs Fort Atkinson, WI

How do the cost estimates for Troy, IL and Fort Atkinson, WI compare?

Fort Atkinson, WI has a modeled overall cost index 20.9% higher than Troy, IL. 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 Troy, IL, the model estimates $168,595 in Fort Atkinson, 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 Troy, IL and Fort Atkinson, WI?

The modeled two-bedroom rents are $1,180/month in Troy, IL and $1,160/month in Fort Atkinson, 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 Illinois and Wisconsin on TaxTakeHome.com

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