Germantown, WI vs Manchester, MO: Cost of Living

Which city costs less?

Manchester, MO has a modeled overall cost index 3.3% lower than Germantown, WI.

Germantown, WI · modeled 2BR rent
$1,580 / month
Manchester, MO · modeled 2BR rent
$1,810 / month

These are saved estimates, not current rental listings. Some cities use adjusted regional data. Your household budget can differ from the overall index. Sources and assumptions

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Cost of Living Comparison 2026

Compare Germantown, WI and Manchester, MO using saved regional data and explicit budgeting assumptions. Rent estimates are not live listings. Change the salary below, then check the source notes before applying a result to your household.

Saved regional estimates · Sources and assumptions

$
Numbers update automatically as you type

Estimated savings: $380/month in Manchester, MO

$150,000 in your current city has a modeled equivalent of $145,443 in Manchester, MO

Regional cost estimates: Germantown, WI uses Milwaukee, WI. Manchester, MO uses St. Louis, MO. Available city ZIP rent estimates are shown separately.
Overall Cost
↓ 3.3%
Less expensive
Monthly Impact
$380
Savings
Annual Impact
$4.6K
Per year

Assumes 60% of current gross income goes to living costs. The headline uses the category budget below; taxes, moving costs and savings goals are excluded.

Germantown, WI

Population:21K
Cost Index:
84.5
100 = national average
Typical Home:$436K

Manchester, MO

Population:18K
Cost Index:
81.7
100 = national average
Typical Home:$421K

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Germantown, WI

The Badger State

21K
Population
State Tax
Yes

Located in Wisconsin, this city has a population of 21K residents.

Manchester, MO

The Show-Me State

18K
Population
State Tax
Yes

Located in Missouri, this city has a population of 18K residents.

Cost Breakdown by Category

Estimated monthly spending: Germantown, WI vs Manchester, MO

Assumes 60% of your current gross income is spent on these categories. The headline and totals use this same budget. Rent estimates below are separate reference data. Rounded amounts may differ by $1.

Healthcare
↓ 26.3%
Germantown, WI
$798
Manchester, MO
$588
Difference
$210
less
Transportation
↓ 12.6%
Germantown, WI
$1,504
Manchester, MO
$1,315
Difference
$189
less
All Utilities
↑ 6.0%
Germantown, WI
$564
Manchester, MO
$598
Difference
$33.76
more
Housing
↓ 1.6%
Germantown, WI
$1,851
Manchester, MO
$1,821
Difference
$29.17
less
Other
↑ 1.2%
Germantown, WI
$1,718
Manchester, MO
$1,738
Difference
$19.89
more
Groceries
↓ 0.5%
Germantown, WI
$1,065
Manchester, MO
$1,060
Difference
$5.01
less

🏠Rent Comparison

Studio
From$1,210
To$1,420
↑ $210
1 Bed
From$1,320
To$1,480
↑ $160
2 Bed
From$1,580
To$1,810
↑ $230
3 Bed
From$1,950
To$2,330
↑ $380
Germantown, WIZIP-level data

1BR range: $1,320–$1,320/mo

Manchester, MOZIP-level data

1BR range: $1,480–$1,480/mo

💡 Note: HUD Fair Market Rents estimate 40th-percentile gross rents, including most tenant-paid utilities. City ZIP summaries are medians of those estimates, not market median rents. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,500
Monthly in Germantown, WI
$7,120
Monthly in Manchester, MO
$380
Difference

Home Values

Germantown
Manchester
$436K
Median Value
$421K
↑ +6%
YoY Change
↑ +2.1%
↑ +35.6%
5-Year Change
↑ +33.4%

Homes in Manchester are 4% less expensive than Germantown

Calculate payment - GermantownCalculate payment - Manchester

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $921
Per year
Monthly Difference
$76.74
More take-home
Effective Rate Diff
0.6%
Rate difference

Germantown, WI

Federal Income Tax
Effective: 18.9%
$25.5K
Wisconsin State Tax
Effective: 5.9%
$8.8K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.6%
$45.9K
Take-Home Pay
$8,678/month
$104.1K

Manchester, MO

Federal Income Tax
Effective: 18.9%
$25.5K
Missouri State Tax
Effective: 5.3%
$7.9K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 30.0%
$44.9K
Take-Home Pay
$8,755/month
$105.1K

Additional Tax Information

Germantown, WI Tax Rates

Sales Tax:5.6%
Property Tax:1.8%

Manchester, MO Tax Rates

Sales Tax:8.2%
Property Tax:1.0%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Germantown
Manchester
43 Good
Air Quality
54 Moderate
68.6%
Good Air Days
38%
98 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌡🫨
▲+3.3°F
2050 Outlook
▲+3.0°F
13 days
Heat Days >95°F
39 days
▲+3.3°F
2050 Outlook
▲+3.0°F
13 days
Heat Days >95°F
39 days

Before moving from Germantown, WI to Manchester, MO

Use this comparison to shortlist a move, then check the costs that depend on your household.

  1. Compare actual homes. Get current quotes in Manchester, MO for the same bedroom count and included utilities as your home in Germantown, WI. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
  2. Confirm your income. Check your expected pay with your employer, including any location adjustment. Use “Different salary at destination?” above to compare two incomes. The budget model excludes taxes and one-time moving costs; it is not a take-home-pay calculation.
  3. Price your daily routine. Check the commute from a specific address to work, school or childcare. Add household expenses missing from this model, such as childcare, debt payments and medical needs. Verify local services before signing a lease.
  4. Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Germantown to Manchester moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Manchester, MO by cost, housing, population and region.

Frequently Asked Questions: Germantown, WI vs Manchester, MO

How do the cost estimates for Germantown, WI and Manchester, MO compare?

Manchester, MO has a modeled overall cost index 3.3% lower than Germantown, WI. This is a broad model comparison, not a survey of today's prices or a forecast of your household spending. Some cities use adjusted regional fallback data.

What does the equivalent salary mean?

At a $150,000 salary in Germantown, WI, the model estimates $145,443 in Manchester, MO. It allocates 60% of gross income to the origin city’s category budget and applies each destination category’s relative cost. The equivalent salary adds the total category difference to your income. The monthly difference is the same category difference divided by 12; it is not take-home pay or guaranteed savings. Household size, childcare and your actual lease are not inputs to this calculation.

What rent estimates are available for Germantown, WI and Manchester, MO?

The modeled two-bedroom rents are $1,580/month in Germantown, WI and $1,810/month in Manchester, MO. Where available, the source is a city median of HUD FY2026 ZIP-level estimates; otherwise a saved metro table is used. City adjustments may also apply. These are not asking rents or available listings. Compare actual properties with the same bedroom count and included utilities.

How should I use this comparison before moving?

Use it to shortlist locations, then replace modeled costs with a current housing quote, employer-confirmed income, commute costs, insurance and your household's other expenses. Add one-time moving costs separately. Source years differ and the saved datasets are not a live price feed. Read the methodology for the formulas and fallback rules.

💰 See how taxes change too — compare take-home pay between Wisconsin and Missouri on TaxTakeHome.com

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