Cost of Living in Cottage Grove, WI

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C
14%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
50%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Cottage Grove Wisconsin National
Cost of living11496100
Groceries9999100
Health care9998100
Housing15089100
Transportation9798100
Utilities101101100
Lifestyle & Entertainment10198100
Household Items10099100
Education & Childcare9498100
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Homes For Sale In Cottage Grove, WI

property for sale

1973 N Windsor Ave

Cottage Grove, WI
property for sale

308 W Clover Ln

Cottage Grove, WI
property for sale

3005 Wellington Pl

Cottage Grove, WI
property for sale

612 Westlawn Dr

Cottage Grove, WI

Cost Of Living Quick Facts

  • The cost of living in Cottage Grove is 19% higher than the Wisconsin average
  • The cost of living in Cottage Grove is 14% higher than the national average
  • Cottage Grove housing is 50% higher than the national average
  • Wisconsin general sales tax is 2% lower than the national average
  • Wisconsin state income tax is 36% higher than the national average

Most Affordable Places to Live in and Around Cottage Grove

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$161,952$13,496$3,779$4,859
      Renters$81,491$6,791$1,901$2,445
      The percent of monthly income spent on housing can be a good indicator of the affordability of housing in Cottage Grove, WI, as well as the overall cost of living. As a general rule of thumb, the debt-to-income ratio (DTI) for homeowners or renters should be not more than 28 percent of gross income to be spent on housing related costs and not more than 36 percent of income on all expenses, including debts. The median income for Cottage Grove homeowners, is $161,952. This would allow for a maximum of $3,779 per month to be spent on housing costs. For renters, the median monthly income is $81,491 which would result in a maximum of $1,901 to be spent on rental costs.

      Wisconsin Sales Tax

      State General Sales Tax With Max Surtax
      Wisconsin 5% 6.75%

      Wisconsin Income Tax

      State Income Tax (Low) Income Tax (High)
      Wisconsin 3.54% 7.65%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Waterloo, WI3,450954.5%
      Rockdale, WI216981.9%
      Marshall, WI4,1241000.1%
      Lake Mills, WI6,1321010.6%
      Cambridge, WI1,3071022.5%
      Cottage Grove, WI7,27011414.1%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Trumann, AR7,2698416.3%
      Digby, NS7,269n/a 
      St. Augustine Beach, FL7,27113636.2%
      Elkins, WV7,2678613.8%
      Archbald, PA7,275972.6%
      Cottage Grove, WI7,27011414.1%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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