City comparison
Atlanta, GA vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Atlanta, GA are 7.8% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $107,800 in Atlanta, GA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,660 a month in Atlanta, GA versus $1,105 in South Bend, IN. On $100,000, that's 27% of take-home pay in Atlanta, GA and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $1,647 a year higher in Atlanta, GA than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −5.4% moving from Atlanta, GA to South Bend, IN ($112,556 → $106,437), while prices change by −7.2%. Net effect of the transfer: +1.9% in real buying power.
- Atlanta, GA: price level 100.1 (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
| Atlanta, GA | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 100.1 | 92.9 |
| $100,000 is worth, in the other city2 | $92,804 in South Bend | $107,754 in Atlanta |
| Typical 1-bedroom rent3 | $1,660/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $74,613 | $76,260 |
| State income tax on $100,000 (estimate)8 | $4,567 (GA) | $2,921 (IN) |
| Rent burden on $100,000 | 27% | 17% |
| Median pay, all jobs4 | $51,170 | $46,540 |
| Federal locality pay area7 | Atlanta-Athens-Clarke County-Sandy Springs, GA-AL | Rest of U.S. |
Rent areas: Atlanta-Sandy Springs-Roswell, GA HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Atlanta-Sandy Springs-Roswell, GA and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Atlanta | South Bend |
|---|---|---|
| Housing (rent) | 111.0 | 74.6 |
| Goods | 100.4 | 94.2 |
| Utilities | 96.2 | 87.7 |
| Other services | 96.7 | 99.2 |
| Overall | 100.1 | 92.9 |
Moving with the same $100,000 salary
Atlanta, GA → South Bend, IN
Same pay goes further
Buying power +7.8%; rent takes 17% of take-home; state tax −$1,647/yr.
93 Strong offer
South Bend, IN → Atlanta, GA
Same pay buys less
Buying power −7.2%; rent takes 27% of take-home; state tax +$1,647/yr.
44 Weak offer
On the GS pay scale?
Atlanta, GA is in the Atlanta-Athens-Clarke County-Sandy Springs, GA-AL pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Atlanta, GA to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Atlanta, GA | South Bend, IN | Real change, Atlanta → South Bend |
|---|---|---|---|
| GS-9 step 1 | $65,271 | $61,722 | +1.9% |
| GS-11 step 1 | $78,972 | $74,678 | +1.9% |
| GS-12 step 1 | $94,654 | $89,508 | +1.9% |
| GS-13 step 1 | $112,556 | $106,437 | +1.9% |
| GS-14 step 1 | $133,007 | $125,776 | +1.9% |
Pay for common jobs
| Median annual pay4 | Atlanta, GA | South Bend, IN | South Bend pay in Atlanta dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,570 | $58,180 | $62,691 (−18.1%) |
| Software Developers | $132,960 | $95,500 | $102,905 (−22.6%) |
| Accountants and Auditors | $85,820 | $77,940 | $83,983 (−2.1%) |
| Registered Nurses | $100,490 | $93,540 | $100,793 (+0.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.