Cost of Living in Ladysmith, WI
Population 3,152 · Wisconsin · Data vintage 2023
(100 = US avg)
At $40,104, median household incomes in Ladysmith land roughly 46% below the US median, a gap that tends to persist across local labor-market indicators. Unemployment has stayed elevated relative to the national figure — 7.5% as of the most recent ACS release — which shows up in household-income and poverty figures as well.
Located 105 miles east of St. Paul, Ladysmith is far enough out that local conditions diverge meaningfully from the big-metro baseline. Median home values run roughly 68% lower than St. Paul's $280,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Ladysmith
The median home value in Ladysmith is $88,800 — 71% below the national median of $305,000. Median rent runs $819/month, 38% lower than the national median of $1,314/month. The median household income of $40,104/year is 46% lower than the US median of $74,580. The local unemployment rate is 7.5%, above the national average of 4.8%. Wisconsin's top state income tax rate is 7.7% and the combined sales tax is 5.4%. The climate averages highs of 52.6°F and lows of 30.4°F. Overall, Ladysmith has a cost of living index of 42 versus the US average of 100, meaning it is 58% less expensive.
Ladysmith has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 22 | 27 | 40 | 53 | 67 | 76 | 80 | 78 | 69 | 55 | 39 | 27 |
| Low °F | 2 | 5 | 17 | 29 | 41 | 51 | 55 | 53 | 45 | 34 | 23 | 10 |
| Precip" | 0.55 | 0.68 | 1.55 | 2.72 | 3.84 | 4.03 | 4.46 | 4.05 | 3.67 | 3.07 | 1.67 | 1.04 |
🏫 Schools
NCES CCD 2019 — public school district data
Frequently Asked Questions
What is the cost of living in Ladysmith, WI?
Ladysmith has a cost index of 42 (100 = national average). It is 58% below the national average.
What is average rent in Ladysmith, WI?
The median gross rent in Ladysmith is $819 per month based on 2023 Census data.
What is the average home price in Ladysmith?
The median home value in Ladysmith is $88,800 according to Zillow and Census data.
What is the median income in Ladysmith?
The median household income in Ladysmith is $40,104 per year (2023 ACS 5-year estimates).
What is the sales tax in Ladysmith, WI?
The combined state and local sales tax rate in Ladysmith is 5.4%. The Wisconsin state income tax top rate is 7.7%.
Is Ladysmith, WI affordable?
Yes, Ladysmith is generally considered affordable, with a cost of living index of 42 — about 58% below the US national average of 100.
What is the weather like in Ladysmith?
Ladysmith has average high temperatures of 52.6°F and average lows of 30.4°F. Annual precipitation is 31.3". Data from NOAA 1991–2020 Climate Normals.
Ladysmith at a Glance
- Population
- 3,152
- Median Income
- $40,104
- Home Value
- $88,800
- Median Rent
- $819/mo
- Unemployment
- 7.5%
- Avg High Temp
- 52.6°F
- Sales Tax
- 5.4%
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Wisconsin Rankings
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