As far as local, static html goes, unless you specify it, most browsers will take the location of the html file you are viewing as the root. So any css put in there can just be referenced by it's name only.
The lazy way to get the correct reference for your css file is to open it in your browser. Then just grab the url that you see there - something like:
file:///blah/test.css
and copy that into your stylesheet link on your html:
<link href="file:///blah/test.css" rel="stylesheet" type="text/css">
Either that or you can just take the url for the html file and amend it to refer to the stylesheet.
Then your local page should load fine with the local stylesheet.