Madison WI vs Schenectady NY — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Madison, WI
Wisconsin · Population: 275,568
- Median HH Income$76,983
- Median Home Price$429,253
- Unemployment2.7%
- Bachelor's+59.2%
Schenectady, NY
New York · Population: 28,542
- Median HH Income$100,485
- Median Home Price$321,835
- Unemployment2.3%
- Bachelor's+58.8%
Detailed Comparison
Demographics
Population
Madison
275,568
Madison +
Schenectady
28,542
Pop. Density / sq mi
Lower = more space
Madison
N/A
Schenectady
N/A
Median Age
Madison
31.8
Madison +
Schenectady
42.3
Foreign Born
Madison
11.6%
Madison +
Schenectady
6.8%
White
Madison
73.0%
Schenectady
86.7%
Schenectady +
Black
Madison
7.1%
Madison +
Schenectady
3.1%
Asian
Madison
8.0%
Madison +
Schenectady
3.0%
Hispanic
Madison
9.3%
Madison +
Schenectady
4.7%
Spanish at Home
Madison
N/A
Schenectady
N/A
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Population | 275,568 | 28,542 | Madison + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 31.8 | 42.3 | Madison + |
| Foreign Born | 11.6% | 6.8% | Madison + |
| White | 73.0% | 86.7% | Schenectady + |
| Black | 7.1% | 3.1% | Madison + |
| Asian | 8.0% | 3.0% | Madison + |
| Hispanic | 9.3% | 4.7% | Madison + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Madison
$76,983
Schenectady
$100,485
Schenectady +
Per Capita Income
Madison
$48,557
Schenectady
$62,931
Schenectady +
Per Capita Personal Income (MSA)
BEA MSA-level
Madison
$61,837
Schenectady
$77,425
Schenectady +
Unemployment Rate
Madison
2.7%
Schenectady
2.3%
Schenectady +
Poverty Rate
Madison
16.2%
Schenectady
10.3%
Schenectady +
Bachelor's Degree+
Madison
59.2%
Madison +
Schenectady
58.8%
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Median HH Income | $76,983 | $100,485 | Schenectady + |
| Per Capita Income | $48,557 | $62,931 | Schenectady + |
| Per Capita Personal Income (MSA)BEA MSA-level | $61,837 | $77,425 | Schenectady + |
| Unemployment Rate | 2.7% | 2.3% | Schenectady + |
| Poverty Rate | 16.2% | 10.3% | Schenectady + |
| Bachelor's Degree+ | 59.2% | 58.8% | Madison + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Madison
$429,253
Schenectady
$321,835
Schenectady +
Homeownership Rate
Madison
46.6%
Schenectady
57.5%
Schenectady +
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $429,253 | $321,835 | Schenectady + |
| Homeownership Rate | 46.6% | 57.5% | Schenectady + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Madison
309
Madison +
Schenectady
434
Property Crime / 100K
FBI CDE (state-level est.)
Madison
1392
Madison +
Schenectady
1736
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 309 | 434 | Madison + |
| Property Crime / 100KFBI CDE (state-level est.) | 1392 | 1736 | Madison + |
Health
Obesity Rate
CDC PLACES
Madison
32.7%
Madison +
Schenectady
38.6%
Diabetes Rate
CDC PLACES
Madison
7.4%
Madison +
Schenectady
12.3%
Poor Mental Health
CDC PLACES — 14+ days/month
Madison
16.5%
Madison +
Schenectady
19.2%
No Health Insurance
CDC PLACES
Madison
7.9%
Madison +
Schenectady
9.7%
Binge Drinking
CDC PLACES
Madison
20.8%
Schenectady
15.2%
Schenectady +
Current Smokers
CDC PLACES
Madison
10.2%
Madison +
Schenectady
16.9%
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 32.7% | 38.6% | Madison + |
| Diabetes RateCDC PLACES | 7.4% | 12.3% | Madison + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.5% | 19.2% | Madison + |
| No Health InsuranceCDC PLACES | 7.9% | 9.7% | Madison + |
| Binge DrinkingCDC PLACES | 20.8% | 15.2% | Schenectady + |
| Current SmokersCDC PLACES | 10.2% | 16.9% | Madison + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Madison
46.7°F
Schenectady
N/A
Annual Precipitation
NOAA 1991–2020 normal
Madison
37.3 in
Schenectady
N/A
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 46.7°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 37.3 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Madison
9.3 µg/m³
Schenectady
8.1 µg/m³
Schenectady +
Good Air Days
AQI ≤ 50
Madison
55.0%
Schenectady
75.0%
Schenectady +
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.3 µg/m³ | 8.1 µg/m³ | Schenectady + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Schenectady + |
Commute
Mean Commute Time
Census ACS
Madison
21.2 min
Madison +
Schenectady
26.2 min
| Metric | Madison, WI | Schenectady, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.2 min | 26.2 min | Madison + |
Which City is Right for You?
Schenectady leads in median household income at $100,485, while schenectady offers more affordable housing with a median home price of $321,835. On public safety, Madison is safer with a violent crime rate of 309 per 100,000 residents, compared to 434 in Schenectady. Schenectady has a lower unemployment rate at 2.3%, and Schenectady has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, Madison scores better with a lower obesity rate of 32.7%.
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