Madison vs St. Paul — side-by-side
Cost of living: Madison vs St. Paul (2026)
A $66,500 salary in Madison buys roughly what $66,500 does in St. Paul (COL-adjusted). Your real trade-offs are taxes, rent, and day-to-day prices — we break them down and personalize below.
Your move simulator
Tell us about your household — we calculate your real annual savings.
Estimated annual swing
−$478/yr
Favoring St. Paul for this income & household (illustrative).
With an extra $40/mo in St. Paul, you could max a Roth IRA contribution faster and still grow your savings buffer.
Studio rent/mo
1BR rent/mo
2BR rent/mo
Median home price
Groceries index (100 = US avg)
Budget meal (1 person)
Mid-range dinner (2)
Monthly transit pass/mo
Gas price/gal
Car insurance/mo
Monthly utilities bundle/mo
Internet/mo
Median household income/yr
State income tax%
Sales tax (combined)%
Movie ticket
Gym membership/mo
Beer at restaurant
Overall COL index (100 = US avg)
Walk score / 100
| Category | Madison Wisconsin | St. Paul Minnesota | Who wins | Your impact at $67K · 1br · 1 car |
|---|---|---|---|---|
| 🏠 HousingQ1 2026 | ||||
| Studio rent/mo | $1,300 | $1,200Better | St. Paul wins −$100/mo | $1,200/yr saves in St. Paul |
| 1BR rent/mo | $1,650 | $1,500Better | St. Paul wins −$150/mo | $1,800/yr saves in St. Paul |
| 2BR rent/mo | $2,200 | $2,000Better | St. Paul wins −$200/mo | $2,400/yr saves in St. Paul |
| Median home price | $360K | $310KWins | St. Paul wins −$50K | — |
| 🛒 Food & GroceriesQ1 2026 | ||||
| Groceries index (100 = US avg) | 101Better | 101 | — | — |
| Budget meal (1 person) | $14Better | $14 | — | — |
| Mid-range dinner (2) | $58 | $56Better | St. Paul wins −$2/mo | — |
| 🚌 TransportationQ1 2026 | ||||
| Monthly transit pass/mo | $62Wins | $95 | Madison wins +$33/mo | $396/yr saves in Madison |
| Gas price/gal | $3.20Better | $3.30 | Madison wins +$0.10 | — |
| Car insurance/mo | $145 | $142Better | St. Paul wins −$3/mo | — |
| ⚡ UtilitiesQ1 2026 | ||||
| Monthly utilities bundle/mo | $162Wins | $195 | Madison wins +$33/mo | $396/yr saves in Madison |
| Internet/mo | $63Better | $63 | — | — |
| 💰 Income & TaxesQ1 2026 | ||||
| Median household income/yr | $68KBetter | $65K | Madison wins −$3K more/yr | — |
| State income tax% | 7.7%Wins | 9.9% | Madison wins +2.2 pp | $1,463/yr saves in Madison |
| Sales tax (combined)% | 5.4%Wins | 8.0% | Madison wins +2.6 pp | — |
| 🎬 LeisureQ1 2026 | ||||
| Movie ticket | $15.00 | $14.00Better | St. Paul wins −$1.00 | — |
| Gym membership/mo | $42 | $40Better | St. Paul wins −$2/mo | — |
| Beer at restaurant | $6.50 | $6.00Better | St. Paul wins −$0.50 | — |
| 📊 OverviewQ1 2026 | ||||
| Overall COL index (100 = US avg) | 97Better | 97 | — | — |
| Walk score / 100 | 55 | 67Wins | St. Paul wins +12 more/yr | — |
Complete the Picture
While you’re comparing — don’t leave money on the table.
Tax-smart rewards
Turn ~$1,464/yr tax difference into cash back
Madison fits your move math — cash-back cards stack on groceries, gas, and dining you're already doing.
Home + auto bundle
New state — new insurance rates
Bundling often saves hundreds/yr. Compare before you sign a lease in Madison.
High-yield savings
Grow your move fund while you shop for homes
Don't let relocation cash sit at 0% — put it to work until closing day.
More ways to compare this move
Ready to move?
Open the full interactive tool to add up to 5 cities, drop in your salary, and see rent burden.
Open full interactive toolComplete the Picture
While you’re comparing — don’t leave money on the table.
If cash is tight
Knock down high-interest debt first
A move has upfront costs — a balance transfer or personal loan can lower APR while you settle in.
If you're saving big
Invest the surplus on autopilot
Brokerages and robo-advisors help you dollar-cost average into the market with your new slack.
Frequently asked questions
What is the average rent in Madison vs St. Paul?
As of Q1 2026, the median 1-bedroom rent in Madison is $1,650/month and in St. Paul is $1,500/month. Madison is more expensive by 10%.
How much do I need to earn in St. Paul to match a $75,000 salary in Madison?
To maintain a similar lifestyle, you would need approximately $75,000/year in St. Paul to match a $75,000 salary in Madison. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — Madison or St. Paul?
Madison has the lower state income tax rate at 7.7% vs 9.9%. The difference is 2.2 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from Madison to St. Paul?
It depends on your priorities. Both cities have similar overall costs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
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Salary equivalent: Madison ↔ St. Paul
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