There isn’t one. The latitude isn’t the only reason either; the jet stream over the Atlantic moderates the European climate. Meanwhile in places like Minnesota and Buffalo you oscillate between -30°F with 48” of snow in 24 hours in January to 100°F with 90% relative humidity in August. If construction were poor and insulation was substandard, people would die.
Most of Europe doesn’t have a/c for the same reason a lot of Seattle and SF don’t — it’s never been necessary.