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Market MapMadison, WI
Metropolitan Area

Madison, WI

Wisconsin0
54
/100
Hold
#648 of 894 metros
Top 72% nationally for investing

Market Snapshot

$427,012
Median Home Price
75% above national median
$1,801/mo
Median Rent
30% above national median
5.06%
Rent-to-Price Ratio
Top 73% nationally
-$1,068
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$427,012
Down Payment (20%)$85,402
Loan Amount$341,610
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,801
Monthly P&I-$2,238
Est. Expenses (35%)-$630
Net Cash Flow-$1,068/mo
3.3%
Cap Rate (all cash)
-13.1%
Cash-on-Cash Return
5.06%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.3% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
54/100
54
Cash Flow(30%)
46/100

Based on 5.06% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
79/100

Based on 3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
39/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Below-average rent-to-price ratio (5.06%)
  • -Negative cash flow at typical financing (-$1,068/mo)
  • -Negative leverage (cap rate 3.3% < mortgage rate 6.9%)
  • -High price-to-income ratio makes financing challenging

Counties in Madison, WI

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Ogdensburg, NY
Ogdensburg, NY
74$139,884$8927.65%BuyView
Rockford, IL
Rockford, IL
74$206,398$1,2177.07%BuyView
Huntington, WV
Huntington, WV
74$160,064$1,0037.52%BuyView
Anniston, AL
Anniston, AL
74$167,041$1,0507.54%BuyView
Ashtabula, OH
Ashtabula, OH
74$174,017$1,0247.06%BuyView
Current
Madison, WI
54$427,012$1,8015.06%Hold

The Bottom Line

HoldMadison, WI is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Madison, WI metro area scores 54/100, ranking #648 of 894 US metros (top 72%). The 5.06% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,068/mo
Cap Rate
3.3%
Cash-on-Cash
-15.0%

Ready to Invest in Madison, WI?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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