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 $127,756 — inside your $500,000 budget · cold climate. Verified against Zillow ZHVI 2026-06.
#TownScoreTypical homeClimateWhy
1Decatur, IL100$127,756coldhomes $127,756 — inside your $500,000 budget · cold climate
2Peoria, IL100$175,503coldhomes $175,503 — inside your $500,000 budget · cold climate
3Saginaw, MI100$177,686coldhomes $177,686 — inside your $500,000 budget · cold climate
4Bay City, MI100$188,925coldhomes $188,925 — inside your $500,000 budget · cold climate
5Battle Creek, MI100$192,133coldhomes $192,133 — inside your $500,000 budget · cold climate
6Davenport, IA100$197,783coldhomes $197,783 — inside your $500,000 budget · cold climate
7Flint, MI100$199,114coldhomes $199,114 — inside your $500,000 budget · cold climate
8Springfield, IL100$200,292coldhomes $200,292 — inside your $500,000 budget · cold climate
9Waterloo, IA100$202,034coldhomes $202,034 — inside your $500,000 budget · cold climate
10Rockford, IL100$224,410coldhomes $224,410 — inside your $500,000 budget · cold climate
11Kankakee, IL100$225,858coldhomes $225,858 — inside your $500,000 budget · cold climate
12Sioux City, IA100$227,134coldhomes $227,134 — inside your $500,000 budget · cold climate
13Jackson, MI100$229,692coldhomes $229,692 — inside your $500,000 budget · cold climate
14Champaign, IL100$241,863coldhomes $241,863 — inside your $500,000 budget · cold climate
15Cedar Rapids, IA100$247,515coldhomes $247,515 — inside your $500,000 budget · cold climate
16Lansing, MI100$252,858coldhomes $252,858 — inside your $500,000 budget · cold climate
17Midland, MI100$253,074coldhomes $253,074 — inside your $500,000 budget · cold climate
18Muskegon, MI100$258,865coldhomes $258,865 — inside your $500,000 budget · cold climate
19Bloomington, IL100$261,864coldhomes $261,864 — inside your $500,000 budget · cold climate
20Duluth, MN100$268,805coldhomes $268,805 — inside your $500,000 budget · cold climate
21Detroit, MI100$271,675coldhomes $271,675 — inside your $500,000 budget · cold climate
22Wausau, WI100$272,045coldhomes $272,045 — inside your $500,000 budget · cold climate
23Minot, ND100$273,614coldhomes $273,614 — inside your $500,000 budget · cold climate
24Monroe, MI100$274,121coldhomes $274,121 — inside your $500,000 budget · cold climate
25Kalamazoo, MI100$281,507coldhomes $281,507 — inside your $500,000 budget · cold climate
26Grand Forks, ND100$282,435coldhomes $282,435 — inside your $500,000 budget · cold climate
27Dubuque, IA100$282,564coldhomes $282,564 — inside your $500,000 budget · cold climate
28Ames, IA100$283,162coldhomes $283,162 — inside your $500,000 budget · cold climate
29Niles, MI100$286,639coldhomes $286,639 — inside your $500,000 budget · cold climate
30Bangor, ME100$289,934coldhomes $289,934 — inside your $500,000 budget · cold climate
31Fond du Lac, WI100$296,798coldhomes $296,798 — inside your $500,000 budget · cold climate
32Des Moines, IA100$296,974coldhomes $296,974 — inside your $500,000 budget · cold climate
33Janesville, WI100$299,789coldhomes $299,789 — inside your $500,000 budget · cold climate
34Iowa City, IA100$304,173coldhomes $304,173 — inside your $500,000 budget · cold climate
35Oshkosh, WI100$307,796coldhomes $307,796 — inside your $500,000 budget · cold climate
36Mankato, MN100$313,196coldhomes $313,196 — inside your $500,000 budget · cold climate
37Fairbanks, AK100$316,216coldhomes $316,216 — inside your $500,000 budget · cold climate
38Racine, WI100$317,194coldhomes $317,194 — inside your $500,000 budget · cold climate
39St. Cloud, MN100$321,228coldhomes $321,228 — inside your $500,000 budget · cold climate
40Eau Claire, WI100$325,505coldhomes $325,505 — inside your $500,000 budget · cold climate
41Sheboygan, WI100$327,414coldhomes $327,414 — inside your $500,000 budget · cold climate
42Fargo, ND100$329,181coldhomes $329,181 — inside your $500,000 budget · cold climate
43La Crosse, WI100$337,205coldhomes $337,205 — inside your $500,000 budget · cold climate
44Lewiston, ME100$338,192coldhomes $338,192 — inside your $500,000 budget · cold climate
45Sioux Falls, SD100$344,189coldhomes $344,189 — inside your $500,000 budget · cold climate
46Great Falls, MT100$345,114coldhomes $345,114 — inside your $500,000 budget · cold climate
47Rochester, MN100$345,443coldhomes $345,443 — inside your $500,000 budget · cold climate
48Green Bay, WI100$350,524coldhomes $350,524 — inside your $500,000 budget · cold climate
49Appleton, WI100$352,691coldhomes $352,691 — inside your $500,000 budget · cold climate
50Chicago, IL100$359,888coldhomes $359,888 — inside your $500,000 budget · cold climate
51Bismarck, ND100$360,301coldhomes $360,301 — inside your $500,000 budget · cold climate
52Grand Rapids, MI100$362,206coldhomes $362,206 — inside your $500,000 budget · cold climate
53Rapid City, SD100$376,073coldhomes $376,073 — inside your $500,000 budget · cold climate
54Milwaukee, WI100$394,038coldhomes $394,038 — inside your $500,000 budget · cold climate
55Minneapolis, MN100$395,726coldhomes $395,726 — inside your $500,000 budget · cold climate
56Billings, MT100$412,595coldhomes $412,595 — inside your $500,000 budget · cold climate
57Ann Arbor, MI100$426,231coldhomes $426,231 — inside your $500,000 budget · cold climate
58Anchorage, AK100$426,596coldhomes $426,596 — inside your $500,000 budget · cold climate
59Traverse City, MI100$426,813coldhomes $426,813 — inside your $500,000 budget · cold climate
60Madison, WI100$454,523coldhomes $454,523 — 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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