Wisconsin cost of living
Can you afford to live in the Badger State?
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If you’re considering a move to Wisconsin, you’ll want to understand exactly what daily life here is likely to cost. The state offers a blend of urban and rural living, a strong sense of community and access to the Great Lakes — but planning ahead is key to making your transition smooth.
To determine the cost of living in Wisconsin, our team reviewed data from the U.S. Bureau of Economic Analysis to understand average spending. We also used recent sources to gather housing, food, transportation, health care and utility costs for a full picture of everyday expenses.
People in Wisconsin spend $52,593 each year on goods and services, on average.
Jump to insightThe median rent in Wisconsin is $1,231, versus the national median rent of $1,639.
Jump to insightResidents in Wisconsin spend $221.46 weekly on food at home.
Jump to insightAs of August 2025, the average price per gallon of regular gas is $2.86 in Wisconsin.
Jump to insightRecent data shows that employees in Wisconsin pay $1,600 annually for employee-sponsored health insurance coverage.
Jump to insightThe average cost of living in Wisconsin
According to the U.S. Bureau of Economic Analysis (BEA), the average annual per-person spending in Wisconsin was $52,593 in 2023. This number includes what residents pay each year for things like housing, health care, food, gas, energy and other basic necessities.
Here’s a breakdown of the largest spending categories in Wisconsin:
| Category | Annual per-capita cost in Wisconsin |
|---|---|
| Housing and utilities | $8,668 |
| Health care | $9,413 |
| Food and beverages for off-premises consumption | $4,022 |
| Gasoline and other energy goods | $1,946 |
| All other personal consumption expenditures | $28,544 |
| Total cost | $52,593 |
Housing costs in Wisconsin
Housing expenses make up a significant share of most budgets. In 2025, Apartments.com reported that the average rent in Wisconsin is $1,231, which is less than the national median rent of $1,639. However, rental rates in Wisconsin vary, with urban areas and college towns tending to be pricier than rural communities. According to the U.S. Census Bureau’s 2023 American Community Survey, average monthly rents break down as follows:
- One-bedroom rent: $886
- Two-bedroom rent: $1,086
- Three-bedroom rent: $1,285
- Four-bedroom rent: $1,331
If you’re interested in buying a home, the median home price in Wisconsin is $343,700, which is lower than the U.S. median home price of $446,638.
Homeowners should also factor in property taxes. Wisconsin’s effective property tax rate is 1.25% — placing the state at No. 10 for highest effective property tax rates in the nation.
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Food costs in Wisconsin
How much you’ll spend on food in Wisconsin depends on your shopping habits and whether you dine out often. The latest U.S. Census data shows the average weekly grocery bill in Wisconsin is $221.46, compared with the U.S. average of $270.21.
Eating habits and location can make a big difference. Shopping at local markets or discount stores lets families stretch their budgets, while eating out — especially in popular cities like Milwaukee or Madison — will quickly drive up monthly food costs. In rural areas, groceries and dining options might be more affordable, but selection can be limited.
Transportation costs in Wisconsin
Transportation expenses in Wisconsin are influenced mainly by gas prices and insurance premiums. As of August 2025, the average price per gallon of regular gasoline is $2.86, compared with the U.S. average of $3.13.
The typical auto insurance premium, including liability, collision and comprehensive coverage, is $876.08 in Wisconsin, compared with the national average of $1,258.
Health care costs in Wisconsin
Health care is another important part of the budget. In Wisconsin, the average employee contribution for employer-sponsored health insurance is $1,600 per year, while employers cover the remaining $6,378 of the $7,978 total premium.
Across the country, the average employee contribution was $1,640 of a total annual premium of $8,182.
Utility costs in Wisconsin
For those living in Wisconsin, monthly utility bills are a significant recurring expense. Residents pay an average electric bill of $111.06 per month, compared with $136.84 nationally.
Natural gas costs in Wisconsin are $9.73 per thousand cubic feet, while the U.S. average is $12.92.
FAQ
Does Wisconsin have a high cost of living?
No, Wisconsin does not have a higher cost of living than the national average. Wisconsin housing costs, including both rent and home prices, are generally lower than in most states.
Is Wisconsin a good place to live?
Yes, Wisconsin is a good place to live if you value a lower overall cost of living and a stable, friendly community environment. While it is not among the fastest-growing states for new residents, many people choose Wisconsin for its affordable housing and solid opportunities for renters.
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Is Wisconsin good for renters?
Yes, Wisconsin is good for renters. Rent tends to be affordable in the state, though tenant protections may be weaker than elsewhere.
Article sources
ConsumerAffairs writers primarily rely on government data, industry experts and original research from other reputable publications to inform their work. Specific sources for this article include:
- Apartments.com, “Rent Trends.” Accessed Aug. 20, 2025.
- Redfin, “Redfin Data Center.” Accessed Aug. 20, 2025.
- Tax Foundation, “Where Do People Pay the Most in Property Taxes?” Accessed Aug. 20, 2025.
- United States Census Bureau, “Week 63 Household Pulse Survey: October 18 - October 30.” Accessed Aug. 20, 2025.
- AAA Gas Prices, “State Gas Price Averages.” Accessed Aug. 20, 2025.
- National Association of Insurance Commissioners, “2021/2022 Auto Insurance Database Report.” Accessed Aug. 20, 2025.
- KFF, “Average Annual Single Premium per Enrolled Employee For Employer-Based Health Insurance.” Accessed Aug. 20, 2025.
- U.S. Energy Information Administration, “2023 Average Monthly Bill- Residential.” Accessed Aug. 20, 2025.
