Cost of Living in Waterford, WI

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A
3%
Overall NAT. AVG.
1%
Groceries NAT. AVG.
13%
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 Waterford Wisconsin National
Cost of living10396100
Groceries9999100
Health care9698100
Housing11389100
Transportation10198100
Utilities103101100
Lifestyle & Entertainment9698100
Household Items9999100
Education & Childcare9998100
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Homes For Sale In Waterford, WI

property for sale

923 Prestwick #1

Waterford, WI
property for sale

302 Trailview Xing

Waterford, WI
property for sale

28918 Kramer Dr

Waterford, WI
property for sale

5025 Riverside Rd

Waterford, WI

Cost Of Living Quick Facts

  • The cost of living in Waterford is 8% higher than the Wisconsin average
  • The cost of living in Waterford is 3% higher than the national average
  • Waterford housing is 13% 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 Waterford

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Compare Waterford, WI Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$120,203$10,017$2,805$3,606
      Renters$92,077$7,673$2,148$2,763
      A good indicator of the general affordability of housing in Waterford, WI, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Waterford, the median monthly income is $120,203 for those who own their own homes. Under the standard rule, that income level would allow for $2,805 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $92,077, per the median income in the area. That would allow for renters to spend up to $2,148 on monthly rental expenses.

      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.
      Lake Ivanhoe, WI408945.7%
      Springfield, WI135963.8%
      Eagle Lake, WI1,043982.4%
      Paddock Lake, WI3,136981.7%
      Silver Lake, WI2,599990.6%
      Waterford, WI5,6911033.2%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Charleston, MO5,6918218.4%
      Tracyton, WA5,69212121.4%
      Salida, CO5,68812424.4%
      Weldon Spring, MO5,68813232.2%
      Orchard Homes, MT5,68811716.7%
      Waterford, WI5,6911033.2%
      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.
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