The median home in Madison, Wisconsin is valued at $409,461, up 2.3% year over year. Typical monthly rent is $1,613, producing a price-to-rent ratio of 21.2x — well above the national average of 18x. Madison is part of the Madison, WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$409,461

+2.3%

Rent$1,613/mo

Prices rising — worse for buyers.

Affordability

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Income (annual)

Down Payment

$81,892 on $409,461

Example: $75,000 household income. Change it above to see your own.

Out of reach44.8% of income

Need $120,086/yr to afford.

PITI$2,802

P/I44.8%

Afford$256K

Gap-$154K

P&I $2,070Tax $631Ins $100

Renting $1,189/mo cheaper ($1,613 rent)6.50% 30yr, 20% down, county tax + WI ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Wisconsin

Compare Madison with other housing markets across Wisconsin.

Oconomowoc Lake$1.99M Shorewood Hills$1.13M Maple Bluff$967K River Hills$895K Linn$733K Summit$730K Delafield$722K Nashotah$691K

Full Madison, WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Madison, WI metro.

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