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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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Numbers update automatically as you type

St. Paul, MN and Madison, WI have similar living costs

$150.0K in your current city equals $150.0K in Madison, WI

Rent data from HUD ZIP-level estimates · COL index from Minneapolis-St. Paul-Bloomington, MN-WI area
Overall Cost
0.0%
Same cost
Monthly Impact
$0
No change
Annual Impact
$0
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

St. Paul, MN

Population:304K
Cost Index:
100
100 = national average
Median Home:$274K

Madison, WI

Population:270K
Cost Index:
100
(national average)
Median Home:$427K

St. Paul, MN

The North Star State

304K
Population
State Tax
Yes

Located in Minnesota, this city has a population of 304K residents.

Madison, WI

The Badger State

270K
Population
State Tax
Yes

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

Cost Breakdown by Category

Annual spending: St. Paul, MN vs Madison, WI

Groceries
6.8%
St. Paul, MN
$1,029
Madison, WI
$959
Difference
$69.95
less
Other
3.9%
St. Paul, MN
$1,724
Madison, WI
$1,791
Difference
$66.96
more
Housing
1.9%
St. Paul, MN
$2,703
Madison, WI
$2,755
Difference
$51.97
more
Healthcare
4.9%
St. Paul, MN
$756
Madison, WI
$719
Difference
$37.17
less
Transportation
2.0%
St. Paul, MN
$1,380
Madison, WI
$1,407
Difference
$27.32
more
All Utilities
0.0%
St. Paul, MN
$508
Madison, WI
$508
Difference
$0
same

🏠Rent Comparison

Studio
From$1,220
To$1,370
$150
1 Bed
From$1,380
To$1,605
$225
2 Bed
From$1,680
To$1,835
$155
3 Bed
From$2,225
To$2,425
$200
St. Paul, MNZIP-level data

1BR range: $1,250$1,680/mo

Madison, WIZIP-level data

1BR range: $1,360$1,840/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$8,100
Monthly in St. Paul, MN
$8,139
Monthly in Madison, WI
$39.13
Difference

Home Values

St. Paul
Madison
-
Median Value
$427K
-
YoY Change
↑ +2.3%
-
5-Year Change
↑ +37.4%
-
Price Range
$359K - $534K

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

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
$1.6K
Per year
Monthly Difference
$132
More take-home
Effective Rate Diff
1.1%
Rate difference

St. 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

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

Additional Tax Information

St. Paul, MN Tax Rates

Sales Tax:8.0%
Property Tax:1.1%

Madison, 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

St. Paul
Madison
36 Good
Air Quality
42 Good
72.4%
Good Air Days
72.1%
95 High
Climate Risk
94 Moderate
🌊🌡🌪
Top Hazards
🌊🌪💨
+3.7°F
2050 Outlook
+3.4°F
14 days
Heat Days >95°F
10 days
+3.7°F
2050 Outlook
+3.4°F
14 days
Heat Days >95°F
10 days

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

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