City comparison
Chicago, IL vs South Bend, IN
What a paycheck is really worth in each city: prices, rent, state taxes and federal GS pay.
Key findings
- Prices in Chicago, IL are 11.6% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $111,600 in Chicago, IL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,581 a month in Chicago, IL versus $1,105 in South Bend, IN. On $100,000, that's 26% of take-home pay in Chicago, IL and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $1,885 a year higher in Chicago, IL than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −10.5% moving from Chicago, IL to South Bend, IN ($118,984 → $106,437), while prices change by −10.4%. Net effect of the transfer: −0.2% in real buying power.
- Chicago, IL: price level 103.6 (pricier)
- 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
| Chicago, IL | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.6 | 92.9 |
| $100,000 is worth, in the other city2 | $89,636 in South Bend | $111,563 in Chicago |
| Typical 1-bedroom rent3 | $1,581/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $74,375 | $76,260 |
| State income tax on $100,000 (estimate)8 | $4,805 (IL) | $2,921 (IN) |
| Rent burden on $100,000 | 26% | 17% |
| Median pay, all jobs4 | $54,720 | $46,540 |
| Federal locality pay area7 | Chicago-Naperville, IL-IN-WI | Rest of U.S. |
Rent areas: Chicago-Joliet-Naperville, IL HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Chicago-Naperville-Elgin, IL-IN and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Chicago | South Bend |
|---|---|---|
| Housing (rent) | 112.0 | 74.6 |
| Goods | 107.3 | 94.2 |
| Utilities | 83.6 | 87.7 |
| Other services | 100.5 | 99.2 |
| Overall | 103.6 | 92.9 |
Moving with the same $100,000 salary
Chicago, IL → South Bend, IN
Same pay goes further
Buying power +11.6%; rent takes 17% of take-home; state tax −$1,885/yr.
100 Strong offer
South Bend, IN → Chicago, IL
Same pay buys less
Buying power −10.4%; rent takes 26% of take-home; state tax +$1,885/yr.
37 Weak offer
Federal employees: GS pay
Chicago, IL is in the Chicago-Naperville, IL-IN-WI pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Chicago, IL to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Chicago, IL | South Bend, IN | Real change, Chicago → South Bend |
|---|---|---|---|
| GS-9 step 1 | $68,999 | $61,722 | −0.2% |
| GS-11 step 1 | $83,482 | $74,678 | −0.2% |
| GS-12 step 1 | $100,059 | $89,508 | −0.2% |
| GS-13 step 1 | $118,984 | $106,437 | −0.2% |
| GS-14 step 1 | $140,604 | $125,776 | −0.2% |
Pay for common jobs
| Median annual pay4 | Chicago, IL | South Bend, IN | South Bend pay in Chicago dollars |
|---|---|---|---|
| Information Security Analysts | $125,310 | $85,070 | $94,906 (−24.3%) |
| Software Developers | $134,380 | $95,500 | $106,542 (−20.7%) |
| Accountants and Auditors | $82,360 | $77,940 | $86,952 (+5.6%) |
| Registered Nurses | $100,490 | $93,540 | $104,356 (+3.8%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.