Madison WI vs St. Charles MO — 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%
St. Charles, MO
Missouri · Population: 71,542
- Median HH Income$55,578
- Median Home Price$144,200
- Unemployment4.7%
- Bachelor's+22.7%
Detailed Comparison
Demographics
Population
Madison
275,568
Madison +
St. Charles
71,542
Pop. Density / sq mi
Lower = more space
Madison
N/A
St. Charles
N/A
Median Age
Madison
31.8
Madison +
St. Charles
37.9
Foreign Born
Madison
11.6%
Madison +
St. Charles
4.2%
White
Madison
73.0%
St. Charles
80.4%
St. Charles +
Black
Madison
7.1%
Madison +
St. Charles
6.7%
Asian
Madison
8.0%
Madison +
St. Charles
1.4%
Hispanic
Madison
9.3%
Madison +
St. Charles
7.7%
Spanish at Home
Madison
N/A
St. Charles
N/A
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| Population | 275,568 | 71,542 | Madison + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 31.8 | 37.9 | Madison + |
| Foreign Born | 11.6% | 4.2% | Madison + |
| White | 73.0% | 80.4% | St. Charles + |
| Black | 7.1% | 6.7% | Madison + |
| Asian | 8.0% | 1.4% | Madison + |
| Hispanic | 9.3% | 7.7% | Madison + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Madison
$76,983
Madison +
St. Charles
$55,578
Per Capita Income
Madison
$48,557
Madison +
St. Charles
$31,499
Per Capita Personal Income (MSA)
BEA MSA-level
Madison
$61,837
Madison +
St. Charles
$58,527
Unemployment Rate
Madison
2.7%
Madison +
St. Charles
4.7%
Poverty Rate
Madison
16.2%
Madison +
St. Charles
18.7%
Bachelor's Degree+
Madison
59.2%
Madison +
St. Charles
22.7%
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| Median HH Income | $76,983 | $55,578 | Madison + |
| Per Capita Income | $48,557 | $31,499 | Madison + |
| Per Capita Personal Income (MSA)BEA MSA-level | $61,837 | $58,527 | Madison + |
| Unemployment Rate | 2.7% | 4.7% | Madison + |
| Poverty Rate | 16.2% | 18.7% | Madison + |
| Bachelor's Degree+ | 59.2% | 22.7% | Madison + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Madison
$429,253
St. Charles
$144,200
St. Charles +
Homeownership Rate
Madison
46.6%
St. Charles
61.4%
St. Charles +
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $429,253 | $144,200 | St. Charles + |
| Homeownership Rate | 46.6% | 61.4% | St. Charles + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Madison
309
Madison +
St. Charles
501
Property Crime / 100K
FBI CDE (state-level est.)
Madison
1392
Madison +
St. Charles
2418
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 309 | 501 | Madison + |
| Property Crime / 100KFBI CDE (state-level est.) | 1392 | 2418 | Madison + |
Health
Obesity Rate
CDC PLACES
Madison
32.7%
Madison +
St. Charles
35.9%
Diabetes Rate
CDC PLACES
Madison
7.4%
Madison +
St. Charles
10.4%
Poor Mental Health
CDC PLACES — 14+ days/month
Madison
16.5%
St. Charles
16.0%
St. Charles +
No Health Insurance
CDC PLACES
Madison
7.9%
St. Charles
7.1%
St. Charles +
Binge Drinking
CDC PLACES
Madison
20.8%
St. Charles
18.4%
St. Charles +
Current Smokers
CDC PLACES
Madison
10.2%
Madison +
St. Charles
12.5%
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 32.7% | 35.9% | Madison + |
| Diabetes RateCDC PLACES | 7.4% | 10.4% | Madison + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.5% | 16.0% | St. Charles + |
| No Health InsuranceCDC PLACES | 7.9% | 7.1% | St. Charles + |
| Binge DrinkingCDC PLACES | 20.8% | 18.4% | St. Charles + |
| Current SmokersCDC PLACES | 10.2% | 12.5% | Madison + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Madison
46.7°F
St. Charles
N/A
Annual Precipitation
NOAA 1991–2020 normal
Madison
37.3 in
St. Charles
N/A
| Metric | Madison, WI | St. Charles, MO | 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
St. Charles
9.3 µg/m³
Tie
Good Air Days
AQI ≤ 50
Madison
55.0%
St. Charles
55.0%
Tie
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.3 µg/m³ | 9.3 µg/m³ | Tie |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
Madison
21.2 min
St. Charles
18.3 min
St. Charles +
| Metric | Madison, WI | St. Charles, MO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.2 min | 18.3 min | St. Charles + |
Which City is Right for You?
Madison leads in median household income at $76,983, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, Madison is safer with a violent crime rate of 309 per 100,000 residents, compared to 501 in St. Charles. Madison has a lower unemployment rate at 2.7%, and St. Charles has cleaner air (PM2.5 avg 9.3 µg/m³). For overall health outcomes, Madison scores better with a lower obesity rate of 32.7%.
Compare More Cities
Madison, WI vs New York, NYLos Angeles, CA vs Madison, WIChicago, IL vs Madison, WIHouston, TX vs Madison, WIMadison, WI vs Phoenix, AZMadison, WI vs Philadelphia, PA