Madison vs St. Louis for Singles (2026)
Scroll down for rent burden, savings estimate, and FAQ.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$7,206/yr
Favoring St. Louis for this income & household (illustrative).
With the extra $601/mo, you could pay down a $15,000 card balance in ~25 months and still keep ~$72/mo for dining out.
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax savings → cash back
St. Louis saves ~$175/mo in taxes — stack rewards on top
Maximize cash back on groceries, dining, and transit — categories that grow after a move.
High-yield savings
Park ~$7,206/yr savings at 4–5%+ APY
Even $601/mo extra earns meaningfully at 4–5% APY vs near-zero in checking.
Home + auto bundle
New state — compare rates before you sign
Moving to St. Louis resets your insurance profile. Bundling home + auto often saves 15–25%.
Single-person cost breakdown
| Metric | Madison Wisconsin | St. Louis Missouri | Your impact |
|---|---|---|---|
| Studio rent / month | $1,300 | $1,050Better | $3,000/yr saves in St. |
| 1BR rent / month | $1,650 | $1,300Better | $4,200/yr saves in St. |
| Est. single-person income | $41KBetter | $32K | — |
| Est. monthly take-home | $3,138Better | $2,573 | — |
| Studio rent burden | 41%Better | 41% | — |
| Groceries index (US = 100) | 101 | 97Better | — |
| State income tax | 7.7% | 4.7%Better | $2,250/yr saves in St. |
| Walk score | 55 / 100 | 61 / 100Better | — |
| Overall COL index (100 = US avg) | 97 | 87Better | — |
Your biggest money opportunities based on this comparison.
Tax savings
St. Louis saves ~$150/mo on a $60K income
Every dollar counts on a single income. Put tax savings toward a cash-back card that pays you back.
Renters insurance
St. Louis saves ~$250/mo on rent
Solo renters often skip insurance — but your electronics, furniture, and belongings add up fast.
Monthly savings
Madison: ~$1,250/mo left after rent & living
Start investing that surplus early — even small amounts compound significantly over a career.
Complete the Picture
While you’re comparing — don’t leave money on the table.
Mortgages
See what you can afford in St. Louis
Compare rates from top lenders before your move — pre-approval is free and won't affect your score.
Home & Auto Insurance
Bundle before you move — save 15–25%
New state means new rates. Lock in St. Louis homeowners + auto quotes before your move date.
Moving Rewards Card
Turn closing costs & moving expenses into cash back
Average family spends $6,200 on a move. These cards pay 2–4% back + 0% intro APR on purchases.
Frequently asked questions
Which city is more affordable for a single person — Madison or St. Louis?
For a single person, St. Louis comes out ahead on overall affordability. Studio rents are $1,300 in Madison vs $1,050 in St. Louis. A single earner in Madison spends about 41% of take-home on studio rent. St. Louis is ~10% cheaper overall, which matters significantly on a single income.
What is the rent burden for a single person in Madison vs St. Louis?
Rent burden is the percentage of take-home pay spent on housing. Financial planners recommend keeping housing under 30% of gross income. In Madison, a single earner spending $1,300/month on a studio carries a 41% rent burden — significantly above the recommended 30%. In St. Louis, the rent burden is 41% — significantly above the recommended 30%.
How much can a single person save each month in Madison vs St. Louis?
After rent and basic living expenses (groceries, utilities, transport), a single earner can save approximately $1,250/month in Madison vs $975/month in St. Louis. These estimates are based on a single-person income of ~60% of median household income and studio rent costs.
Is it worth living alone in Madison vs getting a roommate in St. Louis?
Splitting a 1BR in St. Louis ($1,300/person) vs a solo studio in Madison ($1,300): splitting a 1BR in St. Louis ($650/person) is cheaper than a solo studio in Madison ($1,300). Factor in the privacy premium and your living preferences when deciding.
Which city is better for a single person's social life?
Walkability is a proxy for urban density and access to dining, entertainment, and social spaces without a car. St. Louis scores higher (61/100) — somewhat walkable. For singles, a walkable neighborhood can significantly reduce the cost and friction of having an active social life.
Single-person income estimated at 60% of median household income. Take-home calculated using state income tax rate only. Savings estimate subtracts rent and estimated basic living costs. Data: Zillow, BLS, Numbeo, Tax Foundation · Q1 2026