Vol. 04 / 2026280,000 people surveyedUpdated Feb 2026
№ 00 · The City Report

Madison 2026The independent atlas report on Madison, United States.

A Humid continental city of 280,000, currency USD, primary language English. Scored 7.8 on the everycity index across cost, safety, weather, jobs and twelve more axes.

7.8
Index Score
Madison, United StatesFeatured · Vol. 04
№ 01 · The Quick Take

Madison in 200 numbers. Read this before you read anything else.

A Humid continental city of 280,000, year round minus 10 to 27 degree range and 2,380 sunshine hours, the city profile in one stat grid.

7.8
$2,680
8.0
288 Mbps

Madison scored 7.8 on the everycity index, placing it in the leading band of the global cohort of 5,000 cities. A single person spends $2,680 a month here including rent, groceries, transport and utilities. A working couple spends $4,040. Internet runs at a median 288 Mbps on residential fiber per OOKLA Speedtest readings from April 2026. The average reported salary, blended across sectors, is $5,840 a month. Safety reads 8.0 on a 0 to 10 scale, with the night safety subindex at 7.2, the female solo subindex at 7.6, and the family subindex at 8.4. The metro area holds 280,000 people and sits at 43.073051 degrees north, 89.40123 degrees west. The summer high lands at 27 Celsius, the winter low at minus 10 Celsius. The city averages 2,380 sunshine hours a year.

Compared with peer cities, Madison sits within the regional cohort on monthly outlay. For broader context, the Americas continent page ranks the regional top 25 cities. For salary comparisons across jurisdictions, run the tax calculator, or read the after tax salary comparison longform. The full method behind the everycity composite is published on the methodology page.

Madison the State Street pedestrian corridor connecting the Capitol to the UW Madison Bascom Hill
Madison · the State Street pedestrian corridor connecting the Capitol to the UW Madison Bascom Hill
№ 02 · Cost of Living

The math, before the spin.

Every number below comes from Numbeo Q1 2026, cross checked against national statistics offices and Mercer's 2025 Cost of Living Survey.

ItemDetailUSD per month
Rent, one bedroom, city centerfurnished, market rate$1,480
Rent, one bedroom, outer ring30 minute commute$1,080
Rent, three bedroom, city centerfamily unit$2,380
Groceriesper person, supermarket$460
Transportmonthly transit pass or fuel$64
Utilitieselectricity, water, refuse$168
Internetresidential fiber, 288 Mbps$70
Dinner for twomid range restaurant$76
Coffeecappuccino, sit down cafe$4.6
Gymfull service, monthly$64
Single person total$2,680
Working couple total$4,040

A single person budgets $2,680 a month to live in Madison at the median Numbeo basket. Rent is the largest line item, with a furnished one bedroom in the city center commanding $1,480 a month and an outer ring equivalent landing at $1,080. Groceries, transport, utilities and internet together add another line. The local currency is the USD. Most relocating professionals open a multi currency account with Wise before the move to lock the daily mid market rate and avoid the 1.4 to 3.2 percent retail spread that US banks charge on inbound international wires.

Compared regionally, Madison sits within the working range on monthly outlay. The cheapest cities ranking places Madison in the relevant cohort. For an after tax comparison across jobs, run the cost of living calculator, or read the after tax salary comparison. For long term rentals the active local platforms are listed in the banking and rental platforms guide. For a regional rental view see the continent page for Americas.

Salary equivalence calculator

$ 0
Madison the University of Wisconsin Madison Memorial Union on the Lake Mendota terrace
Madison · the University of Wisconsin Madison Memorial Union on the Lake Mendota terrace
№ 03 · Safety

Risk, by the subindex.

No moral panic, no rose tint. Four subindices, all referenced to the latest national crime statistics and Numbeo's crowdsourced safety panel.

SubindexScore 0 to 10Band
Overall safety8.0Leading
Solo female safety7.6Workable
Family with children8.4Leading
Night walk, alone7.2Workable

Madison's overall safety score lands at 8.0, which places it in the workable band on the everycity index. The female solo subindex reads 7.6 and the night walk subindex reads 7.2, both of which capture the variance between daytime and after dark experience. Family safety, weighted for primary school commute risk, sits at 8.4. Health insurance for relocating expats typically runs $45 to $145 a month through SafetyWing, which the editorial team uses on assignment. For broader context the global safest cities ranking places Madison alongside its regional peers in the cohort table.

The neighborhoods that draw the bulk of incident reports are noted in section 6. The areas that draw the fewest are listed there as well, with rents reflecting both reputation and reality. A foreigner walking with a phone in hand on a main avenue at 1 a.m. should not assume the safest neighborhood numbers apply to that scenario; the 7.2 night subindex is the figure that matters. Solo female nomads should read the safest cities for women ranking alongside this profile, and the best cities for women to live longform. Families should review the safest cities for families ranking for the regional cohort.

Madison the Henry Vilas Zoo in the Vilas Park residential corridor
Madison · the Henry Vilas Zoo in the Vilas Park residential corridor
№ 04 · Weather

A humid continental year.

Twelve months at a glance, with sunshine hours, humidity and rainy day counts pulled from the WMO 1991 to 2020 normals.

Jan
−2°
−10°
Feb
−9°
Mar
−3°
Apr
15°
May
21°
Jun
26°
14°
Jul
28°
17°
Aug
27°
16°
Sep
23°
11°
Oct
15°
Nov
−1°
Dec
−7°

The climate is classified as Humid continental (Dfb in the Koppen system). Annual rainfall covers 118 days. Humidity averages 70 percent, the city receives 2,380 hours of sunshine a year, and the temperature swing between the coldest and warmest months runs 37 degrees Celsius. The single most comfortable month for an outdoor lifestyle is Jul, when the average high reaches 28 and the average low 17 degrees Celsius. The harshest stretch is Jan, when daytime conditions sit at minus 2 degrees Celsius.

Compared with peer cities, Madison runs at the regional median for ambient comfort across the calendar year. For climate matched alternatives, run the climate match tool. The best cities for weather ranking places Madison in the relevant cohort. To find the optimal visit window before relocating, use the best month to visit tool, or scan the sunniest cities ranking for nearby alternatives.

Madison the historic Monona Terrace by Frank Lloyd Wright at the Lake Monona shore
Madison · the historic Monona Terrace by Frank Lloyd Wright at the Lake Monona shore
№ 05 · Jobs and Salary

Who pays, and how much.

Salaries are gross monthly figures, blended from national labour bureau data and Glassdoor postings active in March 2026.

RoleDetailUSD per month, gross
City averageblended sectors$5,840
Senior software developerfive plus years$8,800
Senior financial analystfive plus years$7,900
Top marginal income taxemployee10 to 37 percent federal personal income tax on a progressive schedule, plus 3.5 to 7.65 percent Wisconsin state income tax on a progressive schedule (the historic 1911 Wisconsin income tax was the structural single first state income tax in the United States), plus 7.65 percent FICA on income to 168,600 USD
Corporate taxstandard rate21 percent federal corporate tax under the Tax Cuts and Jobs Act 2017 schedule, plus 7.9 percent Wisconsin state corporate franchise tax, for a combined effective rate of 27.24 percent on Madison registered C corporations

Largest employers in metro Madison

  1. University of Wisconsin Madison UW Madison (the structural single largest employer in the city with 24,000 staff and 50,000 students on the historic 1848 founded UW Madison main campus, ranked 13th among US public universities by US News in 2025 and the structural single largest research expenditure in Wisconsin at 1.7 billion USD a year)
  2. UW Health and University Hospital (the structural Wisconsin academic medical center with 9,400 staff at the historic 1924 founded University Hospital on the Highland Avenue site, the structural Wisconsin single largest hospital and the regional Level I trauma center)
  3. Epic Systems Corporation (the structural single largest US private health software company on the Verona campus 14 kilometers south of Madison, founded 1979 by Judith Faulkner, the structural single largest US electronic health record EHR vendor serving 305 million US patient records with 13,800 staff)
  4. American Family Insurance AmFam (the historic 1927 founded mutual insurance company headquartered on the East Madison campus, the structural Fortune 500 insurance company with 12,800 system wide staff)
  5. Wisconsin State Government and the Wisconsin Capitol (the structural single largest state government employer with 35,000 staff under Governor Tony Evers)
  6. Exact Sciences Corporation (the structural Madison cancer diagnostics company on the Eastpark Boulevard campus, the historic 2009 founded Cologuard non invasive colorectal cancer screening anchor with 6,400 staff)
  7. City of Madison and Dane County (the structural municipal and county employer)
  8. Promega Corporation and the structural Madison biotechnology cluster (the historic 1978 founded molecular biology reagents company)

The blended average salary in Madison runs $5,840 a month, gross of tax. A senior software developer earns $8,800 on local payroll, while a senior financial analyst commands $7,900. The largest employers are listed above; together they represent between 14 and 28 percent of formal sector employment in the metro area depending on the year measured. Expats moving regular income across borders typically use Wise at the daily mid market rate, which removes the 1.4 to 3.2 percent retail spread that local banks charge.

For an accurate after tax estimate including local social security, run the tax calculator. For a market wide salary view, the highest salary cities ranking and the highest paying cities after tax ranking place Madison in the relevant cohort. The lowest tax cities ranking covers the relative position on tax. For the cohort of cities offering strong tech salaries the tech jobs ranking is the right starting point.

Madison the Dane County Farmers Market on the Capitol Square at the September peak
Madison · the Dane County Farmers Market on the Capitol Square at the September peak
№ 06 · Neighborhoods

Seven quarters, one verdict each.

A working map of where to live in Madison in 2026, ordered loosely from highest cost to lowest commute.

Quarter

Downtown Madison and the Capitol Square

the structural single most central residential pick between the Wisconsin State Capitol and the UW Madison Bascom Hill, the densest condo and high rise inventory and the structural young professional pick.

Quarter

State Street and the Mansion Hill Historic District

the historic 1850s and 1860s residential quarter north of the Capitol Square, the structural professional pick with the densest historic mansion stock.

Quarter

Marquette and the Atwood Avenue corridor

the historic 1900s near east side residential quarter, the structural creative professional pick with the densest cafe and music venue layer in Madison.

Quarter

Vilas and the Vilas Park residential corridor

the historic 1900s near west side family pick on the Lake Wingra shore, the structural professional family pick with the strongest secondary school catchment in central Madison.

Quarter

Shorewood Hills and University Heights

the elevated 1920s subdivision west of the UW Madison campus, the structural family pick with the strongest secondary school catchment outside the central Madison band.

Quarter

Middleton border and the West Towne corridor

the structural family pick on the western Madison commuter band, the lowest property tax inventory adjacent to the Middleton Cross Plains School District.

Quarter

South Park Street and the Wingra Park district

the structural value pick at 1,080 USD per one bedroom, the historic 1950s post war housing stock and the post 2010 South Madison redevelopment band.

Downtown Madison and the Capitol Square is the highest priced and the most likely to deliver the lifestyle a Western expat imagines. State Street and the Mansion Hill Historic District is the value pick at a different price point. Marquette and the Atwood Avenue corridor is the modern family pick for the upper middle class. Vilas and the Vilas Park residential corridor sits in the academic or specialty cohort. The full neighborhood by neighborhood walk through, with photos, is in the Madison neighborhoods longform, scheduled to publish in Q3 2026.

Long term rental supply in Madison is concentrated in the four to seven year old apartment stock; older buildings often lack reliable elevators or, in some districts, reliable hot water during the coldest months. Furnished one bedroom listings turn over in a median 9 days at the city center price point and 14 days in the outer ring per the local portals indexed by the editorial property platform guide. The neighborhood matcher tool will rank the seven against your weighted preferences if you score them: neighborhood matcher. For relocating families with school age children, the family friendly cities ranking is the next read in the sequence.

Madison the structural Picnic Point and the Lakeshore Path at the UW Madison campus
Madison · the structural Picnic Point and the Lakeshore Path at the UW Madison campus
№ 07 · Healthcare

The system, and the bill.

Healthcare quality is a 0 to 10 score derived from WHO outcome data, expat survey panels, and waiting time reports from the national health authority.

Madison's healthcare quality score lands at 8.6 on the everycity scale, placing it in the leading band. Madison hosts the UW Health University Hospital (the structural Wisconsin academic medical center with 505 beds on the Highland Avenue site, the regional Level I trauma center and the historic 1924 founded UW Health anchor), the American Family Childrens Hospital (the structural Wisconsin pediatric tertiary referral center on the UW Health campus, opened 2007), the SSM Health St Marys Hospital (the structural Catholic SSM Health regional hospital), the UnityPoint Health Meriter Hospital (the structural Madison community hospital on the South Park Street site), and the Madison Veterans Affairs Medical Center on the William S Middleton Memorial site.

For routine care, a private general practitioner visit in Madison runs the local equivalent of $220 to $460, with reimbursement available through international plans. A specialist consultation costs $644 to $1196. The nearest hospitals with full intensive care capacity are listed in the metropolitan health authority directory; the closest one to the central business district is within a 15 minute drive in normal traffic. For comparisons in the same income band, the family friendly cities ranking collects the cohort. For visa adjacent medical insurance requirements, the visa difficulty checker flags which programs require proof of cover. An expat moving for more than 90 days should budget $45 to $145 a month for international cover, depending on age and deductible; the most commonly used providers for short to mid term assignments are SafetyWing, Cigna Global, and Allianz Care.

№ 08 · Education and Family

For the kids, and the postgrads.

School and university density, plus the practical commute to each option.

International and bilingual schools

Universities

Relocating families in Madison typically pick from the school cluster listed above. Tuition for relocating expatriate families typically runs $2,800 a year at the lower priced bilingual options and $7,400 a year at the international baccalaureate flagships. Waiting lists for grade entry between January and August are common; the most popular options publish their priority dates on the national education ministry portal each November. The combined family safety subindex of 8.4 on the everycity index should be read alongside the school commute when ranking neighborhoods.

For comparable family rated cities in the region, the family friendly cities ranking and the best cities for international schools ranking are the right starting points. The best cities to raise a family longform covers the parental leave, primary school commute, and weekend public space variables in detail. For local pediatric specialists, the editorial guide on international health insurance lists the in network hospitals near each Madison school cluster. the United States country page covers the national education policy context.

№ 09 · Transport

How the city actually moves.

Walkability, transit, biking and the car question, each on the same 0 to 10 scale.

ModeScoreNotes
Walkability7.8weighted for sidewalk quality, density
Public transit6.8Madison runs on the Madison Metro Transit network with the historic 80 fixed route bus network, the post 2024 Bus Rapid Transit BRT East West corridor (the structural single first US BRT in a city of 280,000), the Dane County Regional Airport MSN, the historic Greater Madison Multimodal Plan, and the 130 kilometer Madison area bike network anchored by the Capital City Trail and the structural single highest US per capita bike commute share outside Portland and Minneapolis. The car is structurally optional for most Madison residents in the central Downtown to West Side band
Cycling8.6protected lane kilometers, weighted
Car neededOptionalThe Madison transit profile is detailed in the row above.

Madison scores 7.8 on walkability, 6.8 on transit, and 8.6 on cycling. The car answer is optional. Madison runs on the Madison Metro Transit network with the historic 80 fixed route bus network, the post 2024 Bus Rapid Transit BRT East West corridor (the structural single first US BRT in a city of 280,000), the Dane County Regional Airport MSN, the historic Greater Madison Multimodal Plan, and the 130 kilometer Madison area bike network anchored by the Capital City Trail and the structural single highest US per capita bike commute share outside Portland and Minneapolis. The car is structurally optional for most Madison residents in the central Downtown to West Side band. For occasional short term mobility, the editorial side note on rental cars for relocation scouting covers the day rates available at the Madison airport ranks. A monthly metro or city wide transit pass costs $64 where applicable.

For walkable peer cities, the most walkable cities for kids ranking places Madison in the relevant cohort. For cycling alternatives in the region, the best cities for cyclists ranking lists the regional leaders, and the cities with best public transport ranking covers the transit benchmarks.

№ 10 · Culture and Cuisine

What makes the city itself.

Food signatures, nightlife rating, and the cultural through line that separates Madison from its regional neighbors.

The food signatures of Madison include the structural Wisconsin Madison Dairyland culinary tradition (the historic Wisconsin cheese tradition, the structural single largest US cheese production state, the historic 1939 founded Wisconsin Cheese Makers Association anchor with the structural Wisconsin specialty cheese inventory of cheddar, colby, brick, and the historic Limburger), the Dane County Farmers Market on the Capitol Square (the structural single largest US producer only farmers market with 300 weekly vendors operating Saturdays from late April through early November, founded 1972), the post 2010 Madison craft brewery cluster (the historic 1985 founded Capital Brewery, the Karben4 Brewing, the Working Draft Beer Company, the Vintage Brewing, and the One Barrel Brewing), the historic Madison Hmong American culinary concentration from the post 1975 Vietnam War Hmong refugee resettlement (the structural single largest US Hmong American population per capita with the Hmong Farmers Market on the East Washington Avenue), the structural Madison cheese curds tradition, and the post 1900 Wisconsin Friday Night Fish Fry tradition. The high points of the dining year run through June through September, when restaurant temperatures sit at the comfortable end of the range and the produce calendar peaks. For longer reads on the cuisine, the best food cities ranking and the Michelin cities ranking place Madison in the relevant cohort regionally. Nightlife sits at a 7.2 rating on the everycity scale. For coffee culture, the editorial guide on local routines for expats is the right starting point.

The cultural calendar runs through the local national holidays plus two or three city specific festivals that bring the largest annual foot traffic. The United States cultural and creative industries policy is reviewed in detail on the United States country page, and the continent page covers the broader pattern across the region. For evening life specifically, the best nightlife cities ranking includes the Madison cohort, and the cities for music ranking covers live venue density. Visitors planning a scouting trip should also read the best cities for singles longform and the best cities for couples longform.

№ 11 · Remote Work

For the laptop, in 2026.

Internet speed, coworking density, nomad visa status, time zone fit.

VariableReading
Median residential download288 Mbps
Coworking spaces in metro12
Nomad visaThe United States has no dedicated digital nomad visa as of May 2026; the structural long term routes for non US remote workers are the H 1B specialty occupation visa, the O 1 visa for individuals with extraordinary ability, the L 1 intracompany transfer for multinational employees, the EB 5 immigrant investor visa with the 800,000 USD minimum investment, and the E 2 treaty investor visa for nationals of treaty countries
Time zoneUTC minus 6 CST in winter, UTC minus 5 CDT in summer (Central Standard Time and Central Daylight Time)
Power reliabilityStrong. The Madison Gas and Electric MGE grid runs at the standard US 120 volt 60 Hz, with structural natural gas, the historic Columbia Energy Center coal fired plant on the Wisconsin River, the growing solar capacity at the historic 2024 founded Badger Hollow Solar Farm, and the structural Midcontinent Independent System Operator MISO balance

The median residential download in Madison runs 288 Mbps per OOKLA Speedtest Global Index, April 2026. Coworking venues operate at scale in the metro area; the most established cluster sits in the central commercial corridor and serves the highest concentration of remote workers on long term assignment. The United States has no dedicated digital nomad visa as of May 2026; the structural long term routes for non US remote workers are the H 1B specialty occupation visa, the O 1 visa for individuals with extraordinary ability, the L 1 intracompany transfer for multinational employees, the EB 5 immigrant investor visa with the 800,000 USD minimum investment, and the E 2 treaty investor visa for nationals of treaty countries. For privacy on public WiFi, the editorial side note on NordVPN covers the case for a VPN abroad and the privacy implications of local data laws.

For comparable remote work cities, the best cities for remote work ranking and the digital nomad cities ranking place Madison in the relevant cohort. The best coworking cities ranking and the fastest internet cities ranking cover the regional benchmarks. For the broader 2026 nomad visa landscape, the longform on best digital nomad visas of 2026 is the editorial reference, and the nomad visa cities ranking places Madison on the global scale.

№ 12 · The Verdict

Madison is the right city, for the right reader.

Move here if you are a University of Wisconsin Madison faculty member or staff at the structural Wisconsin flagship university, a UW Health clinician at the academic medical center, an Epic Systems Corporation software developer at the structural single largest US electronic health record vendor on the Verona campus 14 kilometers south, an American Family Insurance corporate professional at the historic Madison headquartered Fortune 500 mutual, an Exact Sciences cancer diagnostics professional at the Cologuard anchor, a Wisconsin state government employee, a Madison family with school age children drawn to the Madison Metropolitan School District or the Middleton Cross Plains catchment, a returning Wisconsin expatriate after a decade on the East Coast or West Coast, or a Midwest professional drawn to the structural single best Midwestern US mid sized city for the combined safety and university anchored cultural economy.

Madison scored 7.8 on the everycity index because the cost stack at 2,680 USD a month is 28 percent below Chicago and 38 percent below the Twin Cities metro, the safety subindex at 8.0 with night safety at 7.2 and family safety at 8.4 places Madison in the structural leading band of any US city of 280,000 plus, the University of Wisconsin Madison with 50,000 students and 24,000 staff is the structural single largest employer and the historic 1848 founded land grant university ranked 13th among US public universities by US News in 2025, the UW Health University Hospital is the structural Wisconsin academic medical center and the regional Level I trauma center, Epic Systems Corporation on the Verona campus 14 kilometers south is the structural single largest US electronic health record vendor with 13,800 staff serving 305 million US patient records, American Family Insurance and Exact Sciences anchor the structural Madison corporate base, the Wisconsin State Capitol delivers the structural state government employment anchor, the historic Frank Lloyd Wright Monona Terrace on the Lake Monona shore is the structural single most photographed Madison building, the Dane County Farmers Market on the Capitol Square is the structural single largest US producer only farmers market with 300 weekly vendors, the 130 kilometer Madison area bike network with the Capital City Trail delivers the structural single highest US per capita bike commute share outside Portland and Minneapolis, and the post 2024 East West Bus Rapid Transit BRT corridor is the structural single first US BRT in a city of 280,000.

Do not move here if you cannot tolerate the structural Wisconsin Madison winter: Madison sits at the structural Dfb Humid continental Koppen classification with the average January high at minus 2 Celsius and the average January low at minus 10 Celsius, the structural Wisconsin January light deprivation pattern with 9 hours 8 minutes of daylight on the December 21 winter solstice, and the historic single coldest Madison day recorded at minus 37 Celsius on the structural February 1996 Arctic outflow event; you require structural single largest US metropolitan retail and arts inventory (Madison sits at 280,000 and the structural Chicago is 2 hours 30 minutes by car, manageable for monthly cultural commute but constrained for weekly); you cannot tolerate the structural Wisconsin tax stack at the 7.65 percent top state income tax bracket plus the 37 percent federal top bracket plus 7.65 percent FICA delivering a structural Wisconsin top combined tax stack of 52.3 percent on high earners; or the structural Wisconsin Madison winter inversion fog and the historic February seasonal affective disorder concentration that drives the post 2010 Madison snowbird migration to Florida and Arizona among retired UW Madison faculty. Most regret in Madison comes from people who arrived without the regional context and found the binding constraints listed above too tight for the lifestyle they expected.

Run the relocation score against your current city to see the delta.

№ 13 · Related Reading

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Sources and method

Numbeo cost of living Q1 2026; national statistics office labour force survey 2025; the central bank monetary policy report April 2026; the national tax authority pay schedules 2026; Madison metropolitan government statistical yearbook 2025; OOKLA Speedtest Global Index April 2026; the national police crime statistics 2024; Mercer Quality of Living Survey 2025; OECD national accounts 2025 release; World Bank country indicators 2025 vintage. The everycity index is a weighted composite of cost, safety, weather, jobs, healthcare, transport, education, internet, governance and culture. Full weighting is published on the methodology page. All figures in this report were last refreshed on May 19, 2026. Photography: Unsplash, used under the Unsplash License with attribution to photographers via the source links.