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Verified Neighborhood Report

Madison, WI

Location verified via US geocoding. Safety, Schools, and Noise scores are deterministically modeled for this exact place.

Report status

US location · verified

Neighborhood intelligence

Your Madison relocation brief

Safety, noise, schools, air quality, true cost, hazard, and commute intelligence for Madison.

Median rent

$1,694/mo

HUD 2024

Median household income

$74,895

Census ACS 2022

Median home value

$326,600

Census ACS 2022

Safety score

75/100

FBI CDE

Schools

B+

Estimated

Weather

69°F (H 78° / L 59°)

Open-Meteo

Safety & Crime Index

75/100

FBI CDE

Above-average peace of mind — 29% below average

Above Average

Noise Level

39 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 69°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 57 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Madison stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Madison WI

Madison, WI in plain numbers: typical rent near $1,694, safety at 75/100, schools around B+. Here is what that means for a move.

Madison has about 268,516 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Madison WI Safe?

Madison WI scores 75/100 on safety (above average). Crime is about 29% below the national average. Pick the neighborhood carefully. Some ZIPs are fine, others are not.

Detail: overall crime index 71 (100 = avg); violent crime index 78; property crime index 63. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Madison WI

Campus scores in the report: Madison Elementary (elementary) at 7/10; Madison Middle School (middle) at 7/10; Madison High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Madison WI

Typical rent in Madison is about $1,694/month (on the high side). At $1,694/month for a typical unit, you need about $60,984+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $326,600.

Median household income is $74,895, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($74,895) clears the $60,984 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Madison WI

Average temperature is about 69°F (highs near 78°F, lows near 59°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Madison WI?

Who tends to thrive in Madison: (1) Households that want quieter streets (safety sits at 75/100) (2) People relocating for a job who can pick a safer ZIP (citywide safety is 75/100) (3) Households earning $60,984+ who can clear the 3× rent rule at $1,694/month (4) Movers with a locked job offer in Madison who already priced rent, schools, and commute

Who should look elsewhere: (1) Anyone stretching past 40% of take-home on housing at $1,694/month (2) Households expecting top marks on rent, safety, and schools at once (Madison does not clear every bar) (3) People who will not research ZIP-level crime and school maps before leasing

Income sniff test: clear about $60,984 household income for $1,694/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Madison WI is not worth a speculative move. Come only for a specific job or family reason.

The strongest upside is safety at 75/100 (above what many metros post).

The biggest practical risk is still housing: confirm you can carry $1,694/month plus utilities before you sign.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Madison.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,258

Mortgage + tax + insurance + HOA

Annual property tax

$4,736

Annual est. $5,580

Est. monthly utilities

$534

Climate-adjusted electric, gas & water

Median home price

$326,600

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$294k
2022
$302k
2023
$310k
2024
$318k
2025
$327k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$564/mo vs buying
$1,694HUD 2024
Rent
$2,258
Buy

Mortgage

$1,651

Property tax

$395

Insurance

$117

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$4,334/yr

2024

1.37%

$4,464/yr

2025

1.41%

$4,598/yr

2026

1.45%

$4,736/yr

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

28 (100 = avg)

low exposure

Est. annual homeowners insurance

$1,400/yr

moderate exposure
Wind hazard index57 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 69°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,400.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Madison to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo