WhereCanIAfford › Madison, WI › On $100,000

Is Madison, WI affordable on a $100,000 salary?

NO On $100,000/yr, the typical $448,708 home in Madison, WI needs $137,802/yr ($3,215/mo). Your gap: $-37,802 — housing would be 38.6% of your gross income.

The math

448,708 price − 10% down (44,871) = 403,837 loan
30-yr fixed at 6.95% on 403,837 = 2,673/mo principal+interest
+ 542/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,215/mo PITI ÷ 0.28 = 11,483/mo → 137,802/yr required

against Zillow ZHVI 2026-08 and the 6.95% FRED 30-yr rate (2026-09-17).

What salary WOULD clear Madison, WI?

You need about $137,802/yr for the typical home. That's $37,802 more than $100,000.

On $75,000? On $125,000? On $150,000?

See the full Madison, WI affordability breakdown → or every metro you can afford on $100,000 →