City comparison
Albany, NY vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Albany, NY are 7.2% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $107,200 in Albany, NY to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,417 a month in Albany, NY versus $1,105 in South Bend, IN. On $100,000, that's 23% of take-home pay in Albany, NY and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $1,939 a year higher in Albany, NY than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −3.1% moving from Albany, NY to South Bend, IN ($109,810 → $106,437), while prices change by −6.7%. Net effect of the transfer: +3.9% in real buying power.
- Albany, NY: price level 99.6 (about average)
- South Bend, IN: price level 92.9 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Albany, NY | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 99.6 | 92.9 |
| $100,000 is worth, in the other city2 | $93,263 in South Bend | $107,224 in Albany |
| Typical 1-bedroom rent3 | $1,417/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $74,320 | $76,260 |
| State income tax on $100,000 (estimate)8 | $4,860 (NY) | $2,921 (IN) |
| Rent burden on $100,000 | 23% | 17% |
| Median pay, all jobs4 | $58,460 | $46,540 |
| Federal locality pay area7 | Albany-Schenectady, NY-MA | Rest of U.S. |
Rent areas: Albany-Schenectady-Troy, NY MSA and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Albany-Schenectady-Troy, NY and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Albany | South Bend |
|---|---|---|
| Housing (rent) | 102.6 | 74.6 |
| Goods | 99.7 | 94.2 |
| Utilities | 134.0 | 87.7 |
| Other services | 97.8 | 99.2 |
| Overall | 99.6 | 92.9 |
Moving with the same $100,000 salary
Albany, NY → South Bend, IN
Same pay goes further
Buying power +7.2%; rent takes 17% of take-home; state tax −$1,939/yr.
91 Strong offer
South Bend, IN → Albany, NY
Same pay buys less
Buying power −6.7%; rent takes 23% of take-home; state tax +$1,939/yr.
48 Fair offer
On the GS pay scale?
Albany, NY is in the Albany-Schenectady, NY-MA pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Albany, NY to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Albany, NY | South Bend, IN | Real change, Albany → South Bend |
|---|---|---|---|
| GS-9 step 1 | $63,678 | $61,722 | +3.9% |
| GS-11 step 1 | $77,045 | $74,678 | +3.9% |
| GS-12 step 1 | $92,344 | $89,508 | +3.9% |
| GS-13 step 1 | $109,810 | $106,437 | +3.9% |
| GS-14 step 1 | $129,763 | $125,776 | +3.9% |
Pay for common jobs
| Median annual pay4 | Albany, NY | South Bend, IN | South Bend pay in Albany dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $79,240 | $58,180 | $62,383 (−21.3%) |
| Software Developers | $127,910 | $95,500 | $102,399 (−19.9%) |
| Accountants and Auditors | $84,660 | $77,940 | $83,570 (−1.3%) |
| Registered Nurses | $99,970 | $93,540 | $100,297 (+0.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.