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 $126,812 — inside your $500,000 budget · cold climate. Verified against Zillow ZHVI 2026-08.
#TownScoreTypical homeClimateWhy
1Decatur, IL100$126,812coldhomes $126,812 — inside your $500,000 budget · cold climate
2Peoria, IL100$174,841coldhomes $174,841 — inside your $500,000 budget · cold climate
3Saginaw, MI100$176,680coldhomes $176,680 — inside your $500,000 budget · cold climate
4Bay City, MI100$188,382coldhomes $188,382 — inside your $500,000 budget · cold climate
5Battle Creek, MI100$190,962coldhomes $190,962 — inside your $500,000 budget · cold climate
6Davenport, IA100$196,628coldhomes $196,628 — inside your $500,000 budget · cold climate
7Flint, MI100$196,792coldhomes $196,792 — inside your $500,000 budget · cold climate
8Waterloo, IA100$199,692coldhomes $199,692 — inside your $500,000 budget · cold climate
9Springfield, IL100$200,021coldhomes $200,021 — inside your $500,000 budget · cold climate
10Rockford, IL100$224,246coldhomes $224,246 — inside your $500,000 budget · cold climate
11Jackson, MI100$226,007coldhomes $226,007 — inside your $500,000 budget · cold climate
12Sioux City, IA100$226,131coldhomes $226,131 — inside your $500,000 budget · cold climate
13Kankakee, IL100$226,806coldhomes $226,806 — inside your $500,000 budget · cold climate
14Champaign, IL100$239,660coldhomes $239,660 — inside your $500,000 budget · cold climate
15Midland, MI100$245,068coldhomes $245,068 — inside your $500,000 budget · cold climate
16Cedar Rapids, IA100$245,444coldhomes $245,444 — inside your $500,000 budget · cold climate
17Lansing, MI100$249,666coldhomes $249,666 — inside your $500,000 budget · cold climate
18Muskegon, MI100$257,800coldhomes $257,800 — inside your $500,000 budget · cold climate
19Bloomington, IL100$261,173coldhomes $261,173 — inside your $500,000 budget · cold climate
20Duluth, MN100$265,012coldhomes $265,012 — inside your $500,000 budget · cold climate
21Detroit, MI100$267,167coldhomes $267,167 — inside your $500,000 budget · cold climate
22Minot, ND100$269,993coldhomes $269,993 — inside your $500,000 budget · cold climate
23Wausau, WI100$272,862coldhomes $272,862 — inside your $500,000 budget · cold climate
24Monroe, MI100$273,513coldhomes $273,513 — inside your $500,000 budget · cold climate
25Kalamazoo, MI100$278,194coldhomes $278,194 — inside your $500,000 budget · cold climate
26Dubuque, IA100$279,670coldhomes $279,670 — inside your $500,000 budget · cold climate
27Ames, IA100$279,794coldhomes $279,794 — inside your $500,000 budget · cold climate
28Bangor, ME100$281,810coldhomes $281,810 — inside your $500,000 budget · cold climate
29Grand Forks, ND100$282,529coldhomes $282,529 — inside your $500,000 budget · cold climate
30Niles, MI100$284,293coldhomes $284,293 — inside your $500,000 budget · cold climate
31Fond du Lac, WI100$292,532coldhomes $292,532 — inside your $500,000 budget · cold climate
32Des Moines, IA100$294,192coldhomes $294,192 — inside your $500,000 budget · cold climate
33Janesville, WI100$299,595coldhomes $299,595 — inside your $500,000 budget · cold climate
34Iowa City, IA100$302,216coldhomes $302,216 — inside your $500,000 budget · cold climate
35Oshkosh, WI100$304,115coldhomes $304,115 — inside your $500,000 budget · cold climate
36Mankato, MN100$308,015coldhomes $308,015 — inside your $500,000 budget · cold climate
37St. Cloud, MN100$311,652coldhomes $311,652 — inside your $500,000 budget · cold climate
38Fairbanks, AK100$311,741coldhomes $311,741 — inside your $500,000 budget · cold climate
39Racine, WI100$318,804coldhomes $318,804 — inside your $500,000 budget · cold climate
40Eau Claire, WI100$323,584coldhomes $323,584 — inside your $500,000 budget · cold climate
41Sheboygan, WI100$326,863coldhomes $326,863 — inside your $500,000 budget · cold climate
42Fargo, ND100$328,573coldhomes $328,573 — inside your $500,000 budget · cold climate
43Lewiston, ME100$329,731coldhomes $329,731 — inside your $500,000 budget · cold climate
44La Crosse, WI100$336,488coldhomes $336,488 — inside your $500,000 budget · cold climate
45Rochester, MN100$340,393coldhomes $340,393 — inside your $500,000 budget · cold climate
46Sioux Falls, SD100$340,496coldhomes $340,496 — inside your $500,000 budget · cold climate
47Great Falls, MT100$342,484coldhomes $342,484 — inside your $500,000 budget · cold climate
48Green Bay, WI100$345,231coldhomes $345,231 — inside your $500,000 budget · cold climate
49Appleton, WI100$349,275coldhomes $349,275 — inside your $500,000 budget · cold climate
50Bismarck, ND100$356,800coldhomes $356,800 — inside your $500,000 budget · cold climate
51Chicago, IL100$357,265coldhomes $357,265 — inside your $500,000 budget · cold climate
52Grand Rapids, MI100$357,283coldhomes $357,283 — inside your $500,000 budget · cold climate
53Rapid City, SD100$371,883coldhomes $371,883 — inside your $500,000 budget · cold climate
54Milwaukee, WI100$388,845coldhomes $388,845 — inside your $500,000 budget · cold climate
55Minneapolis, MN100$388,865coldhomes $388,865 — inside your $500,000 budget · cold climate
56Billings, MT100$409,829coldhomes $409,829 — inside your $500,000 budget · cold climate
57Ann Arbor, MI100$416,914coldhomes $416,914 — inside your $500,000 budget · cold climate
58Traverse City, MI100$422,480coldhomes $422,480 — inside your $500,000 budget · cold climate
59Anchorage, AK100$425,596coldhomes $425,596 — inside your $500,000 budget · cold climate
60Madison, WI100$448,708coldhomes $448,708 — 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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