F
26%
Overall NAT. AVG.
6%
Goods & Services NAT. AVG.
71%
Housing NAT. AVG.
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Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.
The cost of living index is based on a national average of 100. For example, if the cost of living is 90, then it is 10% lower than average. If the cost of living is 110, then it is 10% higher than average. The breakdown for each index is as follows: goods & services (33%), groceries (13%), health care (5%), housing (30%), transportation (9%) and utilities (10%). If the cost of living data was unavailable for this city, estimates based upon nearby cities were used.
Index Middleton Wisconsin National
Cost of living12696100
Goods & Services10697100
Groceries10299100
Health care120112100
Housing17188100
Transportation10198100
Utilities109102100

An Overview of Cost of Living in Middleton, WI

Understanding the cost of living in Middleton can help future residents assess whether their current financial situation aligns with the expenses they will encounter. It enables them to plan for potential changes in their budget and lifestyle. The Middleton cost of living index is 126, which is 26% higher than the national average. The cost of living index is calculated by taking into account multiple categories, which encompass both the cost of everyday expenditures and larger expenses as well.

If you're in pursuit of an economical living environment, Middleton may not fit the bill, as it ranks among the most expensive places to reside in the United States. Just a minority of regions exhibit a cost of living that is more than 20% higher than the national average, and, unfortunately, Middleton falls within this bracket.

When it comes to the cost of living in Middleton, housing costs are a real heavyweight, often hogging a significant chunk of your earnings. Sadly, in this area, housing expenses for both buying and renting were 71.4% more expensive compared to your average city. That means you'll be shelling out more for homes, rents, mortgage rates and insurance.

Is Middleton Affordable?

Is Middleton affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Middleton, for instance, where the median home price falls 95.5% higher than the national average, and monthly rent rates are 15.4% higher than usual. Additionally, median income levels contribute to the equation, with Middleton flaunting a median household income of $73,336, 32.6% higher than the national norm.

What Factors can Influence the Cost of Living in Middleton?

Urbanization: Larger, urban centers, known for their wealth of amenities and strong employment prospects, often exhibit an elevated cost of living, primarily attributable to the heightened demand for services and residential relocation. Consequently, this scenario leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural areas or regions characterized by diminished demand typically provide a more limited array of amenities and experience slower job market growth, resulting in a more affordable cost of living.

Groceries: Grocery costs have continued to increase significantly over the last 2-3 years. In some markets the cost of food has gone up by more than 20% in that period. While other markets have managed to see only a moderate uptick. These food costs can have a major impact on the cost of living in any area. In Middleton, the groceries index is 1.7% higher than the national average.

Housing: When there's a high demand for housing in trendy places, it can cause property prices and rental rates to soar, leading to a significantly higher cost of living. Conversely, in less desirable locations, where demand is low, prices tend to decrease, resulting in a more budget-friendly cost of living. In Middleton, the housing index is 71.4% higher than the national average.

Where is the Data From?

The Middleton cost of living data displayed above is derived from the C2ER cost of living index to provide a useful and reasonably accurate measure of living cost differences in urban areas. Published on a quarterly basis, it compiles data from more than 300 independent researchers, encompassing over 60 goods and services. These items have been meticulously selected to represent various consumer expenditure categories, in 6 categories. Weightings assigned to cost differentials draw from government survey data tracking spending patterns among professional and executive households. While the C2ER index excludes data on sales or income tax rates, AreaVibes incorporates tax rates into the overall cost of living score for each region.

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Cost Of Living Quick Facts

  • The cost of living in Middleton is 31% higher than the Wisconsin average
  • The cost of living in Middleton is 26% higher than the national average
  • Middleton housing is 71% higher than the national average
  • Wisconsin general sales tax is 2% lower than the national average
  • Wisconsin state income tax is 36% higher than the national average

Most Affordable Places to Live in and Around Middleton

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Compare Middleton, WI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Goods & Services index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$113,269$9,439$2,643$3,398
      Renters$51,493$4,291$1,201$1,545
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Middleton, WI, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Middleton, homeowners have a median income of $113,269. Using that number, a maximum of $2,643 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $51,493, which means there is a maximum of $1,201 to be spent on the costs of renting a home or apartment.

      Wisconsin Sales Tax

      State General Sales Tax With Max Surtax
      Wisconsin 5% 6.75%

      Wisconsin Income Tax

      State Income Tax (Low) Income Tax (High)
      Wisconsin 3.54% 7.65%

      Goods & Services

      Item Middleton National avg. Difference
      Haircut $24.26$24.260.0%
      Beauty Salon $66.46$45.5645.9%
      Toothpaste $3.76$3.701.7%
      Shampoo $1.22$1.284.8%
      Movie $12.47$12.132.8%
      Bowling $27.76$18.0054.2%

      Groceries

      Item Middleton National avg. Difference
      Ground Beef $6.27$5.847.4%
      Fried Chicken $1.45$1.578.1%
      Milk $4.79$4.672.5%
      Potatoes $4.20$4.9315.0%
      Pizza $10.96$12.099.3%
      Beer $8.82$10.4115.3%

      Health Care

      Item Middleton National avg. Difference
      Optometrist $70.37$125.6844.0%
      Doctor $222.85$135.7864.1%
      Dentist $122.45$113.298.1%
      Ibuprofen $10.72$10.650.6%
      Lipitor $506.88$468.608.2%

      Housing

      Item Middleton National avg. Difference
      Home Price $361,000.00$184,700.0095.5%
      Avg. Mortgage Payment $2,571.07$2,346.699.6%
      Apartment Rent $1,095.00$949.0015.4%

      Transportation

      Item Middleton National avg. Difference
      Gasoline $3.39$3.462.0%
      Tire Balancing $65.66$59.929.6%

      Utilities

      Item Middleton National avg. Difference
      All Electricity $226.90$193.9917.0%
      Phone $185.25$192.253.6%
      Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Black Earth, WI1,3881033.1%
      Mazomanie, WI1,7091044.3%
      Sauk City, WI3,4811065.7%
      Stoughton, WI13,1461088.3%
      Lodi, WI3,0731099.1%
      Middleton, WI19,76412625.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Bartow, FL19,762936.7%
      Seymour, IN19,780919.1%
      Blythe, CA19,747964.3%
      Sherwood, OR19,74514039.8%
      Mont-Saint-Hilaire, QC19,745n/a 
      Middleton, WI19,76412625.5%
      Date & Last Updated: This data reflects 2023 and was released from C2ER in January, 2024; this is the most current data available.