The Town Files

The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters

Ranked on The Town Files lifestyle rankings among 269 towns of 500–10,000 people in Wisconsin, scoring every town on all of these at once. #1 is Bayside, WI.

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Numbers match the ranking.
The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters1. Baysidescore 922. Kewauneescore 873. Ottawascore 844. Oostburgscore 845. Winneconnescore 826. Juneauscore 797. Mineral Pointscore 798. Lodiscore 779. Peshtigoscore 7710. Wilsonscore 7711. Plymouthscore 7612. Fox Pointscore 7613. Seymourscore 7614. Oregonscore 7615. East Troyscore 7516. Empirescore 7417. Columbusscore 7218. Waterlooscore 7219. Algomascore 71
  1. 19Algoma, Wisconsin

    Retirement: 85th percentile · January average low (°F): 74th percentile · Home value ÷ income: 55th percentile

    Algoma is a town of 6,866 people in Winnebago County, Wisconsin. Homes have a median value of $334,400 against household income of $107,290; January lows average 10°F.

    6,866 people · Winnebago County · median home $334,400 · income $107,290 · Jan low 10°F · 39 in snow

    Full Algoma, Wisconsin profile: weather, storms, schools, jobs →

    Algoma: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement85th pctMild winters74th pctAffordability55th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  2. 18Waterloo, Wisconsin

    Retirement: 54th percentile · January average low (°F): 78th percentile · Home value ÷ income: 83rd percentile

    Waterloo is a city of 3,492 people in Jefferson County, Wisconsin. Homes have a median value of $230,600 against household income of $87,776; January lows average 11°F.

    3,492 people · Jefferson County · median home $230,600 · income $87,776 · Jan low 11°F · 42 in snow

    Full Waterloo, Wisconsin profile: weather, storms, schools, jobs →

    Waterloo: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement54th pctMild winters78th pctAffordability83th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  3. 17Columbus, Wisconsin

    Retirement: 84th percentile · January average low (°F): 78th percentile · Home value ÷ income: 55th percentile

    Columbus is a city of 5,540 people in Columbia County, Wisconsin. Homes have a median value of $230,600 against household income of $75,427; January lows average 11°F.

    5,540 people · Columbia County · median home $230,600 · income $75,427 · Jan low 11°F · 42 in snow

    Full Columbus, Wisconsin profile: weather, storms, schools, jobs →

    Columbus: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement84th pctMild winters78th pctAffordability55th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  4. 16Empire, Wisconsin

    Retirement: 98th percentile · January average low (°F): 63rd percentile · Home value ÷ income: 62nd percentile

    Empire is a town of 2,774 people in Fond du Lac County, Wisconsin. Homes have a median value of $378,600 against household income of $125,185; January lows average 9°F.

    2,774 people · Fond du Lac County · median home $378,600 · income $125,185 · Jan low 9°F · 38 in snow

    Full Empire, Wisconsin profile: weather, storms, schools, jobs →

    Empire: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement98th pctMild winters63th pctAffordability62th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  5. 15East Troy, Wisconsin

    Retirement: 74th percentile · January average low (°F): 88th percentile · Home value ÷ income: 62nd percentile

    East Troy is a town of 3,992 people in Walworth County, Wisconsin. Homes have a median value of $369,300 against household income of $123,804; January lows average 12°F.

    3,992 people · Walworth County · median home $369,300 · income $123,804 · Jan low 12°F · 39 in snow

    Full East Troy, Wisconsin profile: weather, storms, schools, jobs →

    East Troy: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement74th pctMild winters88th pctAffordability62th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  6. 14Oregon, Wisconsin

    Retirement: 82nd percentile · January average low (°F): 83rd percentile · Home value ÷ income: 62nd percentile

    Oregon is a town of 3,125 people in Dane County, Wisconsin. Homes have a median value of $455,600 against household income of $150,536; January lows average 11°F.

    3,125 people · Dane County · median home $455,600 · income $150,536 · Jan low 11°F · 39 in snow

    Full Oregon, Wisconsin profile: weather, storms, schools, jobs →

    Oregon: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement82th pctMild winters83th pctAffordability62th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  7. 13Seymour, Wisconsin

    Retirement: 61st percentile · January average low (°F): 74th percentile · Home value ÷ income: 92nd percentile

    Seymour is a city of 3,546 people in Outagamie County, Wisconsin. Homes have a median value of $184,600 against household income of $80,602; January lows average 10°F.

    3,546 people · Outagamie County · median home $184,600 · income $80,602 · Jan low 10°F · 57 in snow

    Full Seymour, Wisconsin profile: weather, storms, schools, jobs →

    Seymour: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement61th pctMild winters74th pctAffordability92th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  8. 12Fox Point, Wisconsin

    Retirement: 77th percentile · January average low (°F): 97th percentile · Home value ÷ income: 55th percentile

    Fox Point is a village of 6,934 people in Milwaukee County, Wisconsin. Homes have a median value of $444,700 against household income of $141,467; January lows average 14°F.

    6,934 people · Milwaukee County · median home $444,700 · income $141,467 · Jan low 14°F · 40 in snow

    Full Fox Point, Wisconsin profile: weather, storms, schools, jobs →

    Fox Point: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement77th pctMild winters97th pctAffordability55th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  9. 11Plymouth, Wisconsin

    Retirement: 86th percentile · January average low (°F): 88th percentile · Home value ÷ income: 55th percentile

    Plymouth is a city of 8,932 people in Sheboygan County, Wisconsin. Homes have a median value of $213,300 against household income of $68,038; January lows average 12°F.

    8,932 people · Sheboygan County · median home $213,300 · income $68,038 · Jan low 12°F · 45 in snow

    Full Plymouth, Wisconsin profile: weather, storms, schools, jobs →

    Plymouth: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement86th pctMild winters88th pctAffordability55th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  10. 10Wilson, Wisconsin

    Retirement: 62nd percentile · January average low (°F): 94th percentile · Home value ÷ income: 74th percentile

    Wilson is a town of 3,484 people in Sheboygan County, Wisconsin. Homes have a median value of $296,400 against household income of $104,632; January lows average 13°F.

    3,484 people · Sheboygan County · median home $296,400 · income $104,632 · Jan low 13°F · 49 in snow

    Full Wilson, Wisconsin profile: weather, storms, schools, jobs →

    Wilson: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement62th pctMild winters94th pctAffordability74th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  11. 9Peshtigo, Wisconsin

    Retirement: 71st percentile · January average low (°F): 63rd percentile · Home value ÷ income: 96th percentile

    Peshtigo is a city of 3,420 people in Marinette County, Wisconsin. Homes have a median value of $140,300 against household income of $66,990; January lows average 9°F.

    3,420 people · Marinette County · median home $140,300 · income $66,990 · Jan low 9°F · 49 in snow

    Full Peshtigo, Wisconsin profile: weather, storms, schools, jobs →

    Peshtigo: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement71th pctMild winters63th pctAffordability96th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  12. 8Lodi, Wisconsin

    Retirement: 94th percentile · January average low (°F): 64th percentile · Home value ÷ income: 74th percentile

    Lodi is a city of 3,189 people in Columbia County, Wisconsin. Homes have a median value of $328,200 against household income of $117,584; January lows average 10°F.

    3,189 people · Columbia County · median home $328,200 · income $117,584 · Jan low 10°F · 44 in snow

    Full Lodi, Wisconsin profile: weather, storms, schools, jobs →

    Lodi: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement94th pctMild winters64th pctAffordability74th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  13. 7Mineral Point, Wisconsin

    Retirement: 95th percentile · January average low (°F): 59th percentile · Home value ÷ income: 83rd percentile

    Mineral Point is a city of 2,581 people in Iowa County, Wisconsin. Homes have a median value of $212,200 against household income of $81,000; January lows average 9°F.

    2,581 people · Iowa County · median home $212,200 · income $81,000 · Jan low 9°F · 41 in snow

    Full Mineral Point, Wisconsin profile: weather, storms, schools, jobs →

    Mineral Point: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement95th pctMild winters59th pctAffordability83th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  14. 6Juneau, Wisconsin

    Retirement: 91st percentile · January average low (°F): 57th percentile · Home value ÷ income: 90th percentile

    Juneau is a city of 2,658 people in Dodge County, Wisconsin. Homes have a median value of $186,700 against household income of $77,708; January lows average 9°F.

    2,658 people · Dodge County · median home $186,700 · income $77,708 · Jan low 9°F · 41 in snow

    Full Juneau, Wisconsin profile: weather, storms, schools, jobs →

    Juneau: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement91th pctMild winters57th pctAffordability90th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  15. 5Winneconne, Wisconsin

    Retirement: 90th percentile · January average low (°F): 74th percentile · Home value ÷ income: 83rd percentile

    Winneconne is a village of 2,544 people in Winnebago County, Wisconsin. Homes have a median value of $218,100 against household income of $82,411; January lows average 10°F.

    2,544 people · Winnebago County · median home $218,100 · income $82,411 · Jan low 10°F · 42 in snow

    Full Winneconne, Wisconsin profile: weather, storms, schools, jobs →

    Winneconne: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement90th pctMild winters74th pctAffordability83th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  16. 4Oostburg, Wisconsin

    Retirement: 86th percentile · January average low (°F): 92nd percentile · Home value ÷ income: 74th percentile

    Oostburg is a village of 3,056 people in Sheboygan County, Wisconsin. Homes have a median value of $246,900 against household income of $87,857; January lows average 12°F.

    3,056 people · Sheboygan County · median home $246,900 · income $87,857 · Jan low 12°F · 49 in snow

    Full Oostburg, Wisconsin profile: weather, storms, schools, jobs →

    Oostburg: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement86th pctMild winters92th pctAffordability74th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  17. 3Ottawa, Wisconsin

    Retirement: 93rd percentile · January average low (°F): 86th percentile · Home value ÷ income: 74th percentile

    Ottawa is a town of 3,646 people in Waukesha County, Wisconsin. Homes have a median value of $425,900 against household income of $153,018; January lows average 11°F.

    3,646 people · Waukesha County · median home $425,900 · income $153,018 · Jan low 11°F · 51 in snow

    Full Ottawa, Wisconsin profile: weather, storms, schools, jobs →

    Ottawa: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement93th pctMild winters86th pctAffordability74th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  18. 2Kewaunee, Wisconsin

    Retirement: 68th percentile · January average low (°F): 94th percentile · Home value ÷ income: 98th percentile

    Kewaunee is a city of 2,837 people in Kewaunee County, Wisconsin. Homes have a median value of $159,600 against household income of $82,028; January lows average 12°F.

    2,837 people · Kewaunee County · median home $159,600 · income $82,028 · Jan low 12°F · 48 in snow

    Full Kewaunee, Wisconsin profile: weather, storms, schools, jobs →

    Kewaunee: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement68th pctMild winters94th pctAffordability98th pct
    Percentile vs Wisconsin towns on each part of this ranking.
  19. 1Bayside, Wisconsin

    Retirement: 97th percentile · January average low (°F): 100th percentile · Home value ÷ income: 79th percentile

    Bayside is a village of 4,482 people in Milwaukee County, Wisconsin. Homes have a median value of $431,900 against household income of $160,096; January lows average 17°F.

    4,482 people · Milwaukee County · median home $431,900 · income $160,096 · Jan low 17°F · 47 in snow

    Full Bayside, Wisconsin profile: weather, storms, schools, jobs →

    Bayside: The 19 Best Affordable Small Towns to Retire in Wisconsin With Mild Winters scoresRetirement97th pctMild winters100th pctAffordability79th pct
    Percentile vs Wisconsin towns on each part of this ranking.

Price vs ranking

Median home value vs ranking, Wisconsin towns0255075100$105K$213K$321K$429K$537KMedian home valuePercentile
Orange squares are the 19 towns on this list; green dots are other towns on The Town Files in Wisconsin.

More Wisconsin rankings

Same ranking, other places

Methodology. We ranked 269 towns of 500–10,000 people in Wisconsin (2020 Census population). Lifestyle measures are The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025), shown as percentiles. The combined score is the average of the percentiles shown for each town; a town must be above the middle on every one. Only towns better than 60% of their peers on this measure qualify, so lists can be shorter than 25. Sources: