On a recent (i.e. the last 2 or 3 major releases) Windows 10 install (any edition) you can create a local account during the post-install setup assistant by selecting to make an offline account and then selecting "limited experience" when it tries to convince you an online account is better.
You can see this in steps 8 and 9 at https://www.windowscentral.com/how-set-windows-10-local-acco...