City comparison
Birmingham, AL vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in South Bend, IN are 1.3% higher than in Birmingham, AL. Someone earning $100,000 in Birmingham, AL would need about $101,300 in South Bend, IN to live the same way.
- Typical 1-bedroom rents are close: $1,155 a month in Birmingham, AL and $1,105 in South Bend, IN.
- On $100,000, estimated state income tax is about $1,815 a year higher in Birmingham, AL than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −1.0% moving from Birmingham, AL to South Bend, IN ($107,510 → $106,437), while prices change by +1.3%. Net effect of the transfer: −2.3% in real buying power.
- Birmingham, AL: price level 91.6 (much cheaper)
- 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
| Birmingham, AL | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 91.6 | 92.9 |
| $100,000 is worth, in the other city2 | $101,325 in South Bend | $98,693 in Birmingham |
| Typical 1-bedroom rent3 | $1,155/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $74,445 | $76,260 |
| State income tax on $100,000 (estimate)8 | $4,735 (AL) | $2,921 (IN) |
| Rent burden on $100,000 | 19% | 17% |
| Median pay, all jobs4 | $47,770 | $46,540 |
| Federal locality pay area7 | Birmingham-Hoover-Talladega, AL | Rest of U.S. |
Rent areas: Birmingham-Hoover, AL HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Birmingham, AL and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Birmingham | South Bend |
|---|---|---|
| Housing (rent) | 71.9 | 74.6 |
| Goods | 96.4 | 94.2 |
| Utilities | 83.8 | 87.7 |
| Other services | 96.7 | 99.2 |
| Overall | 91.6 | 92.9 |
Moving with the same $100,000 salary
Birmingham, AL → South Bend, IN
Roughly even
Buying power −1.3%; rent takes 17% of take-home; state tax −$1,815/yr.
65 Fair offer
South Bend, IN → Birmingham, AL
Roughly even
Buying power +1.3%; rent takes 19% of take-home; state tax +$1,815/yr.
73 Strong offer
On the GS pay scale?
Birmingham, AL is in the Birmingham-Hoover-Talladega, AL pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Birmingham, AL to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Birmingham, AL | South Bend, IN | Real change, Birmingham → South Bend |
|---|---|---|---|
| GS-9 step 1 | $62,344 | $61,722 | −2.3% |
| GS-11 step 1 | $75,431 | $74,678 | −2.3% |
| GS-12 step 1 | $90,410 | $89,508 | −2.3% |
| GS-13 step 1 | $107,510 | $106,437 | −2.3% |
| GS-14 step 1 | $127,044 | $125,776 | −2.3% |
Pay for common jobs
| Median annual pay4 | Birmingham, AL | South Bend, IN | South Bend pay in Birmingham dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $62,630 | $58,180 | $57,419 (−8.3%) |
| Software Developers | $125,410 | $95,500 | $94,251 (−24.8%) |
| Accountants and Auditors | $78,660 | $77,940 | $76,921 (−2.2%) |
| Registered Nurses | $78,680 | $93,540 | $92,317 (+17.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.