Madison, WI vs Saint Paul, MN: Cost of Living

Which city costs less?

Saint Paul, MN has a modeled overall cost index 2.9% higher than Madison, WI.

Madison, WI · modeled 2BR rent: $1,835 / month
Saint Paul, MN · modeled 2BR rent: $1,500 / 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 Madison, WI and Saint Paul, MN 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

Current salary in Madison, WI

Numbers update automatically as you type

Estimated extra cost: $106/month in Saint Paul, MN

$150,000 in your current city has a modeled equivalent of $151,272 in Saint Paul, MN

Regional cost estimates: Madison, WI uses Madison, WI Metropolitan Area. Saint Paul, MN uses Minneapolis-St. Paul-Bloomington, MN-WI Metropolitan Area. Available city ZIP rent estimates are shown separately.

Overall Cost

↑ 2.9%

More expensive

Monthly Impact

$106

Extra cost

Annual Impact

$1.3K

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.

Madison, WI

Population:270K

Cost Index:

105.0

100 = national average

Typical Home:$427K

Saint Paul, MN

Population:308K

Cost Index:

108.0

100 = national average

Typical Home:$274K

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Madison, WI

The Badger State

270K

Population

State Tax

Yes

Located in Wisconsin, this city has a population of 270K residents.

Saint Paul, MN

The North Star State

308K

Population

State Tax

Yes

Located in Minnesota, this city has a population of 308K residents.

Cost Breakdown by Category

Estimated monthly spending: Madison, WI vs Saint Paul, MN

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.

Category	Madison, WI	Saint Paul, MN	Difference	Change
Groceries	$884/mo	$948/mo	↑ $64.46more	7.3%
Housing	$2,538/mo	$2,586/mo	↑ $47.89more	1.9%
Healthcare	$662/mo	$697/mo	↑ $34.26more	5.2%
Transportation	$1,297/mo	$1,271/mo	↓ $25.18less	1.9%
Other	$1,651/mo	$1,635/mo	↓ $15.43less	0.9%
All Utilities	$468/mo	$468/mo	→ $0	0.0%

Groceries

↑ 7.3%

Madison, WI

$884

Saint Paul, MN

$948

Difference

$64.46

Housing

↑ 1.9%

Madison, WI

$2,538

Saint Paul, MN

$2,586

Difference

$47.89

Healthcare

↑ 5.2%

Madison, WI

$662

Saint Paul, MN

$697

Difference

$34.26

Transportation

↓ 1.9%

Madison, WI

$1,297

Saint Paul, MN

$1,271

Difference

$25.18

less

Other

↓ 0.9%

Madison, WI

$1,651

Saint Paul, MN

$1,635

Difference

$15.43

less

All Utilities

→ 0.0%

Madison, WI

$468

Saint Paul, MN

$468

Difference

same

🏠Rent Comparison

Studio

From$1,370

To$1,000

↓ $370

1 Bed

From$1,605

To$1,200

↓ $405

2 Bed

From$1,835

To$1,500

↓ $335

3 Bed

From$2,425

To$2,100

↓ $325

Madison, WIZIP-level data

1BR range: $1,360–$1,840/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 Madison, WI

$7,606

Monthly in Saint Paul, MN

$106

Difference

Home Values

Madison

Saint Paul

$427K

Median Value

$274K

↑ +2.3%

YoY Change

↓ -0.1%

↑ +37.4%

5-Year Change

↑ +13.6%

$359K - $534K

Price Range

$175K - $452K

Homes in Saint Paul are 36% less expensive than Madison

Calculate payment - Madison Calculate payment - Saint Paul

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↓ $1.6K

More taxes

Monthly Difference

$132

Less take-home

Effective Rate Diff

1.1%

Rate difference

Madison, 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

Saint Paul, MN

Federal Income Tax

Effective: 18.9%

$25.5K

Minnesota State Tax

Effective: 7.0%

$10.4K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 31.6%

$47.4K

Take-Home Pay

$8,546/month

$102.6K

Additional Tax Information

Madison, WI Tax Rates

Sales Tax:5.6%

Property Tax:1.8%

Saint Paul, MN Tax Rates

Sales Tax:8.0%

Property Tax:1.1%

💡 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.

🚶 Walkability

Modeled road attributes, not a safety assessment. Methodology and limitations

Madison, WI

36/100

2.2% sidewalk tags · 4.9% cycling tags

Saint Paul, MN

39/100

0% sidewalk tags · 3.4% cycling tags

Environment

Madison

Saint Paul

42 Good

Air Quality

36 Good

72.1%

Good Air Days

72.4%

94 Moderate

Climate Risk

95 High

🌊🌪💨

Top Hazards

🌊🌡🌪

▲+3.4°F

2050 Outlook

▲+3.7°F

10 days

Heat Days >95°F

14 days

▲+3.4°F

2050 Outlook

▲+3.7°F

10 days

Heat Days >95°F

14 days

Before moving from Madison, WI to Saint Paul, MN

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

Compare actual homes. Get current quotes in Saint Paul, MN for the same bedroom count and included utilities as your home in Madison, WI. Add parking, deposits, insurance and any overlapping leases. The rent estimates above are a starting point, not available listings.
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.
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.
Plan the transition. Get moving quotes and budget for travel, setup costs and time off. Open your Madison to Saint Paul moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to Saint Paul, MN by cost, housing, population and region.

Frequently Asked Questions: Madison, WI vs Saint Paul, MN

How do the cost estimates for Madison, WI and Saint Paul, MN compare?

Saint Paul, MN has a modeled overall cost index 2.9% higher than Madison, 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 Madison, WI, the model estimates $151,272 in Saint Paul, MN. 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 Madison, WI and Saint Paul, MN?

The modeled two-bedroom rents are $1,835/month in Madison, WI and $1,500/month in Saint Paul, MN. 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 Minnesota on TaxTakeHome.com