B
10%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
35%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Sun Prairie Wisconsin National
Cost of living11096100
Groceries9999100
Health care9998100
Housing13589100
Transportation9798100
Utilities101101100
Lifestyle & Entertainment10198100
Household Items10099100
Education & Childcare9498100
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An Overview of Cost of Living in Sun Prairie, WI

Getting a feel for the cost of living in Sun Prairie is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Sun Prairie is 110, which is 10% higher than the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

Everyday expenditures like food, housing, lifestyle expenses, transportation and health care in Sun Prairie are priced in a manner consistent with other areas. This means that residents of Sun Prairie can anticipate their daily expenses remaining reasonably similar to those in an average city, thereby supporting a manageable cost of living.

Housing costs significantly influence the Sun Prairie cost of living index, typically accounting for a substantial portion of one's post-tax income. Regrettably, within this particular region, expenses related to both residential ownership and renting exceeded those observed in an average city by 35%. This entails elements such as housing and rental prices, mortgage interest rates and insurance costs.

Is Sun Prairie Affordable?

Is Sun Prairie affordable? It's a key consideration when pondering a move, as affordability often shapes your choices. The cost of living index (we discussed it earlier), coupled with housing costs and income levels, serves as the cornerstone for determining a location's affordability. Take Sun Prairie, for instance, where the median home price falls 41.2% higher than the national average, and monthly rent rates are 20.5% higher than usual. Additionally, median income levels contribute to the equation, with Sun Prairie flaunting a median household income of $116,567, 43.3% higher than the national norm.

What Factors can Influence the Cost of Living in Sun Prairie?

Transportation: When public transportation options are limited or non-existent, residents frequently resort to vehicle ownership, which can significantly contribute to the overall cost of living. Monthly financial obligations encompass fuel, insurance, regular maintenance and potentially lease or financing expenses. In Sun Prairie, the transportation index is 3.5% lower than the national average.

Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.

Groceries: Grocery prices have seen substantial hikes in the last 2-3 years, with some markets witnessing food cost increases of over 20% during this period. Conversely, certain markets have experienced only moderate upticks. These variations in food expenses can have a substantial impact on the overall cost of living in any locality. In Sun Prairie, the groceries index is 1.3% lower than the national average.

Where is the Data From?

The Sun Prairie cost of living data displayed above uses a U.S. average baseline of 100 to provide a practical way to compare living expenses across cities. Housing estimates incorporate U.S. Census home price and rental data, while all other values are generated using AI-assisted models based on everyday expense expectations, regional pricing trends, climate, transportation patterns, and local economic conditions. These values are designed for directional city-to-city comparisons.

Cost Of Living Quick Facts

  • The cost of living in Sun Prairie is 15% higher than the Wisconsin average
  • The cost of living in Sun Prairie is 10% higher than the national average
  • Sun Prairie housing is 35% higher than the national average
  • Wisconsin general sales tax is 2% lower than the national average
  • Wisconsin state income tax is 36% higher than the national average

Most Affordable Places to Live in and Around Sun Prairie

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Compare Sun Prairie, WI Cost of Living

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      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$148,217$12,351$3,458$4,447
      Renters$75,595$6,300$1,764$2,268
      The percentage of monthly income spent on housing related expenses can help predict the affordability of housing in Sun Prairie, WI, as well as what the overall cost of living might be. Generally, a good rule to follow is that the debt-to-income (DTI) level you want to maintain is 28 percent or less of your income on your rent or mortgage payments and not more than 36 percent of income on all expenses and debts. In Sun Prairie, homeowners have a median income of $148,217. Using that number, a maximum of $3,458 per month should be allocated to housing expenses. For those who are renting instead of owning, the median income is $75,595, which means there is a maximum of $1,764 to be spent on the costs of renting a home or apartment.

      Wisconsin Sales Tax

      State General Sales Tax With Max Surtax
      Wisconsin 5% 6.75%

      Wisconsin Income Tax

      State Income Tax (Low) Income Tax (High)
      Wisconsin 3.54% 7.65%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Waterloo, WI3,450954.5%
      Columbus, WI5,266973.4%
      Rockdale, WI216981.9%
      Marshall, WI4,1241000.1%
      Poynette, WI2,5591000.2%
      Sun Prairie, WI35,1071109.5%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Newark, DE35,11711514.5%
      Chester, PA35,1178613.9%
      Wenatchee, WA35,09111716.5%
      Adelanto, CA35,08111615.8%
      Montgomery Village, MD35,13312726.7%
      Sun Prairie, WI35,1071109.5%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.