WhereCanIAffordBest town › In a Cold Climate

Best places to live In a Cold Climate

Decatur, IL is the #1 US place to live in a cold climate (100/100) on our scored data. homes $126,931 — inside your $500,000 budget · cold climate. Verified against Zillow ZHVI 2026-05.
#TownScoreTypical homeClimateWhy
1Decatur, IL100$126,931coldhomes $126,931 — inside your $500,000 budget · cold climate
2Peoria, IL100$172,742coldhomes $172,742 — inside your $500,000 budget · cold climate
3Saginaw, MI100$173,341coldhomes $173,341 — inside your $500,000 budget · cold climate
4Bay City, MI100$186,601coldhomes $186,601 — inside your $500,000 budget · cold climate
5Battle Creek, MI100$189,677coldhomes $189,677 — inside your $500,000 budget · cold climate
6Davenport, IA100$195,380coldhomes $195,380 — inside your $500,000 budget · cold climate
7Flint, MI100$197,858coldhomes $197,858 — inside your $500,000 budget · cold climate
8Waterloo, IA100$200,191coldhomes $200,191 — inside your $500,000 budget · cold climate
9Springfield, IL100$200,409coldhomes $200,409 — inside your $500,000 budget · cold climate
10Rockford, IL100$221,368coldhomes $221,368 — inside your $500,000 budget · cold climate
11Kankakee, IL100$223,721coldhomes $223,721 — inside your $500,000 budget · cold climate
12Sioux City, IA100$225,213coldhomes $225,213 — inside your $500,000 budget · cold climate
13Jackson, MI100$227,287coldhomes $227,287 — inside your $500,000 budget · cold climate
14Champaign, IL100$237,290coldhomes $237,290 — inside your $500,000 budget · cold climate
15Cedar Rapids, IA100$244,344coldhomes $244,344 — inside your $500,000 budget · cold climate
16Midland, MI100$247,026coldhomes $247,026 — inside your $500,000 budget · cold climate
17Lansing, MI100$250,377coldhomes $250,377 — inside your $500,000 budget · cold climate
18Muskegon, MI100$255,271coldhomes $255,271 — inside your $500,000 budget · cold climate
19Bloomington, IL100$260,134coldhomes $260,134 — inside your $500,000 budget · cold climate
20Duluth, MN100$264,350coldhomes $264,350 — inside your $500,000 budget · cold climate
21Minot, ND100$268,181coldhomes $268,181 — inside your $500,000 budget · cold climate
22Detroit, MI100$269,080coldhomes $269,080 — inside your $500,000 budget · cold climate
23Monroe, MI100$269,112coldhomes $269,112 — inside your $500,000 budget · cold climate
24Wausau, WI100$274,194coldhomes $274,194 — inside your $500,000 budget · cold climate
25Grand Forks, ND100$275,955coldhomes $275,955 — inside your $500,000 budget · cold climate
26Dubuque, IA100$279,463coldhomes $279,463 — inside your $500,000 budget · cold climate
27Kalamazoo, MI100$279,752coldhomes $279,752 — inside your $500,000 budget · cold climate
28Ames, IA100$280,269coldhomes $280,269 — inside your $500,000 budget · cold climate
29Bangor, ME100$280,733coldhomes $280,733 — inside your $500,000 budget · cold climate
30Niles, MI100$282,443coldhomes $282,443 — inside your $500,000 budget · cold climate
31Fond du Lac, WI100$291,420coldhomes $291,420 — inside your $500,000 budget · cold climate
32Des Moines, IA100$296,070coldhomes $296,070 — inside your $500,000 budget · cold climate
33Janesville, WI100$296,342coldhomes $296,342 — inside your $500,000 budget · cold climate
34Iowa City, IA100$302,063coldhomes $302,063 — inside your $500,000 budget · cold climate
35Oshkosh, WI100$304,543coldhomes $304,543 — inside your $500,000 budget · cold climate
36Mankato, MN100$309,967coldhomes $309,967 — inside your $500,000 budget · cold climate
37Fairbanks, AK100$312,179coldhomes $312,179 — inside your $500,000 budget · cold climate
38Racine, WI100$316,876coldhomes $316,876 — inside your $500,000 budget · cold climate
39St. Cloud, MN100$318,864coldhomes $318,864 — inside your $500,000 budget · cold climate
40Sheboygan, WI100$324,544coldhomes $324,544 — inside your $500,000 budget · cold climate
41Eau Claire, WI100$327,164coldhomes $327,164 — inside your $500,000 budget · cold climate
42Fargo, ND100$327,854coldhomes $327,854 — inside your $500,000 budget · cold climate
43Lewiston, ME100$333,850coldhomes $333,850 — inside your $500,000 budget · cold climate
44La Crosse, WI100$335,330coldhomes $335,330 — inside your $500,000 budget · cold climate
45Sioux Falls, SD100$342,936coldhomes $342,936 — inside your $500,000 budget · cold climate
46Rochester, MN100$343,121coldhomes $343,121 — inside your $500,000 budget · cold climate
47Great Falls, MT100$344,945coldhomes $344,945 — inside your $500,000 budget · cold climate
48Green Bay, WI100$346,517coldhomes $346,517 — inside your $500,000 budget · cold climate
49Appleton, WI100$350,370coldhomes $350,370 — inside your $500,000 budget · cold climate
50Chicago, IL100$353,998coldhomes $353,998 — inside your $500,000 budget · cold climate
51Bismarck, ND100$356,992coldhomes $356,992 — inside your $500,000 budget · cold climate
52Grand Rapids, MI100$359,923coldhomes $359,923 — inside your $500,000 budget · cold climate
53Rapid City, SD100$374,117coldhomes $374,117 — inside your $500,000 budget · cold climate
54Milwaukee, WI100$390,238coldhomes $390,238 — inside your $500,000 budget · cold climate
55Minneapolis, MN100$393,774coldhomes $393,774 — inside your $500,000 budget · cold climate
56Billings, MT100$410,666coldhomes $410,666 — inside your $500,000 budget · cold climate
57Traverse City, MI100$421,806coldhomes $421,806 — inside your $500,000 budget · cold climate
58Anchorage, AK100$422,103coldhomes $422,103 — inside your $500,000 budget · cold climate
59Ann Arbor, MI100$422,945coldhomes $422,945 — inside your $500,000 budget · cold climate
60Madison, WI100$452,769coldhomes $452,769 — inside your $500,000 budget · cold climate

· NOAA 1991–2020 U.S. Climate Normals, coarse state-center band. · Certified 2024 presidential two-party vote margin, state level (proxy for the county margins a full build would use).

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