City comparison
Chattanooga, TN vs Madison, WI
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Madison, WI are 6.4% higher than in Chattanooga, TN. Someone earning $100,000 in Chattanooga, TN would need about $106,400 in Madison, WI to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,482 a month in Madison, WI versus $1,263 in Chattanooga, TN. On $100,000, that's 24% of take-home pay in Madison, WI and 19% in Chattanooga, TN.
- On $100,000, estimated state income tax is about $3,919 a year higher in Madison, WI than in Chattanooga, TN.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from Chattanooga, TN to Madison, WI changes real buying power by −6.0%, purely from prices.
- Chattanooga, TN: price level 91.5 (much cheaper)
- Madison, WI: price level 97.3 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Chattanooga, TN | Madison, WI | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.5 | 97.3 |
| $100,000 is worth, in the other city2 | $106,366 in Madison | $94,015 in Chattanooga |
| Typical 1-bedroom rent3 | $1,263/mo | $1,482/mo |
| Take-home on $100,00014,15,8 | $79,180 | $75,261 |
| State income tax on $100,000 (estimate)8 | $0 (TN) | $3,919 (WI) |
| Rent burden on $100,000 | 19% | 24% |
| Median pay, all jobs4 | $46,700 | $58,080 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Chattanooga, TN-GA MSA and Madison, WI HUD Metro FMR Area. Metro areas: Chattanooga, TN-GA and Madison, WI.
What costs more or less
| Price level (U.S. = 100) | Chattanooga | Madison |
|---|---|---|
| Housing (rent) | 76.5 | 99.7 |
| Goods | 96.0 | 93.8 |
| Utilities | 74.2 | 89.8 |
| Other services | 95.3 | 99.4 |
| Overall | 91.5 | 97.3 |
Moving with the same $100,000 salary
Chattanooga, TN → Madison, WI
Same pay buys less
Buying power −6.0%; rent takes 24% of take-home; state tax +$3,919/yr.
50 Fair offer
Madison, WI → Chattanooga, TN
Same pay goes further
Buying power +6.4%; rent takes 19% of take-home; state tax −$3,919/yr.
89 Strong offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from Chattanooga, TN to Madison, WI at the same grade and step does to real buying power.
| Grade5,2 | Chattanooga, TN | Madison, WI | Real change, Chattanooga → Madison |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −6.0% |
| GS-11 step 1 | $74,678 | $74,678 | −6.0% |
| GS-12 step 1 | $89,508 | $89,508 | −6.0% |
| GS-13 step 1 | $106,437 | $106,437 | −6.0% |
| GS-14 step 1 | $125,776 | $125,776 | −6.0% |
Pay for common jobs
| Median annual pay4 | Chattanooga, TN | Madison, WI | Madison pay in Chattanooga dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $59,830 | $63,690 | $59,878 (+0.1%) |
| Software Developers | $106,750 | $130,630 | $122,811 (+15.0%) |
| Accountants and Auditors | $76,680 | $81,130 | $76,274 (−0.5%) |
| Registered Nurses | $79,770 | $101,190 | $95,133 (+19.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.