Mason, MI vs St. Francis, WI: Cost of Living

Which city costs less?

St. Francis, WI has a modeled overall cost index 0.7% higher than Mason, MI.

Mason, MI · modeled 2BR rent
$1,330 / month
St. Francis, WI · modeled 2BR rent
$1,140 / 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 Mason, MI and St. Francis, WI 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 extra cost: $66.21/month in St. Francis, WI

$150,000 in your current city has a modeled equivalent of $150,795 in St. Francis, WI

Regional cost estimates: Mason, MI uses Detroit, MI. St. Francis, WI uses Milwaukee, WI. Available city ZIP rent estimates are shown separately.
Overall Cost
↑ 0.7%
More expensive
Monthly Impact
$66.21
Extra cost
Annual Impact
$795
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.

Mason, MI

Population:8K
Cost Index:
82.3
100 = national average
Typical Home:$263K

St. Francis, WI

Population:9K
Cost Index:
82.9
100 = national average
Typical Home:$271K

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Mason, MI

The Great Lakes State

8K
Population
State Tax
Yes

Located in Michigan, this city has a population of 8K residents.

St. Francis, WI

The Badger State

9K
Population
State Tax
Yes

Located in Wisconsin, this city has a population of 9K residents.

Cost Breakdown by Category

Estimated monthly spending: Mason, MI vs St. Francis, WI

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.

Housing
↑ 20.1%
Mason, MI
$1,550
St. Francis, WI
$1,861
Difference
$311
more
Transportation
↓ 12.8%
Mason, MI
$1,735
St. Francis, WI
$1,513
Difference
$222
less
Healthcare
↑ 25.8%
Mason, MI
$644
St. Francis, WI
$810
Difference
$166
more
Other
↓ 6.6%
Mason, MI
$1,849
St. Francis, WI
$1,728
Difference
$121
less
All Utilities
↓ 10.0%
Mason, MI
$637
St. Francis, WI
$573
Difference
$63.93
less
Groceries
↓ 0.3%
Mason, MI
$1,084
St. Francis, WI
$1,081
Difference
$3.24
less

🏠Rent Comparison

Studio
From$1,020
To$850
↓ $170
1 Bed
From$1,060
To$960
↓ $100
2 Bed
From$1,330
To$1,140
↓ $190
3 Bed
From$1,710
To$1,410
↓ $300
Mason, MIZIP-level data

1BR range: $1,060–$1,060/mo

St. Francis, WIZIP-level data

1BR range: $960–$960/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 Mason, MI
$7,566
Monthly in St. Francis, WI
$66.21
Difference

Home Values

Mason
St. Francis
$263K
Median Value
$271K
↑ +2.8%
YoY Change
↓ -2.3%
↑ +30.9%
5-Year Change
↑ +26.2%

Homes in St. Francis are 3% more expensive than Mason

Calculate payment - MasonCalculate payment - St. Francis

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↓ $2.5K
More taxes
Monthly Difference
$206
Less take-home
Effective Rate Diff
1.6%
Rate difference

Mason, MI

Federal Income Tax
Effective: 18.9%
$25.5K
Michigan State Tax
Effective: 4.3%
$6.4K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 28.9%
$43.4K
Take-Home Pay
$8,884/month
$106.6K

St. Francis, 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

Additional Tax Information

Mason, MI Tax Rates

Sales Tax:6.0%
Property Tax:1.4%

St. Francis, WI Tax Rates

Sales Tax:5.6%
Property Tax:1.8%

💡 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

Mason
St. Francis
55 Moderate
Air Quality
43 Good
32.8%
Good Air Days
68.6%
99 High
Climate Risk
98 High
🌊🌡🌪
Top Hazards
🌊🌡🌪
▲+3.1°F
2050 Outlook
▲+3.3°F
10 days
Heat Days >95°F
13 days
▲+3.1°F
2050 Outlook
▲+3.3°F
10 days
Heat Days >95°F
13 days

Before moving from Mason, MI to St. Francis, WI

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

  1. Compare actual homes. Get current quotes in St. Francis, WI for the same bedroom count and included utilities as your home in Mason, MI. 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 Mason to St. Francis moving checklist to organize the tasks and timing.

Still choosing a destination? Explore cities similar to St. Francis, WI by cost, housing, population and region.

Frequently Asked Questions: Mason, MI vs St. Francis, WI

How do the cost estimates for Mason, MI and St. Francis, WI compare?

St. Francis, WI has a modeled overall cost index 0.7% higher than Mason, MI. 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 Mason, MI, the model estimates $150,795 in St. Francis, WI. 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 Mason, MI and St. Francis, WI?

The modeled two-bedroom rents are $1,330/month in Mason, MI and $1,140/month in St. Francis, WI. 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 Michigan and Wisconsin on TaxTakeHome.com

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