City comparison
Cleveland, OH vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Cleveland, OH are 1.1% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $101,100 in Cleveland, OH to live the same way.
- Typical 1-bedroom rents are close: $1,058 a month in Cleveland, OH and $1,105 in South Bend, IN.
- On $100,000, estimated state income tax is about $953 a year higher in South Bend, IN than in Cleveland, OH.
- For federal employees, locality pay changes a GS-13 step 1 salary by −4.2% moving from Cleveland, OH to South Bend, IN ($111,138 → $106,437), while prices change by −1.1%. Net effect of the transfer: −3.1% in real buying power.
- Cleveland, OH: price level 93.9 (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
| Cleveland, OH | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 93.9 | 92.9 |
| $100,000 is worth, in the other city2 | $98,866 in South Bend | $101,147 in Cleveland |
| Typical 1-bedroom rent3 | $1,058/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $77,212 | $76,260 |
| State income tax on $100,000 (estimate)8 | $1,968 (OH) | $2,921 (IN) |
| Rent burden on $100,000 | 16% | 17% |
| Median pay, all jobs4 | $50,140 | $46,540 |
| Federal locality pay area7 | Cleveland-Akron-Canton, OH-PA | Rest of U.S. |
Rent areas: Cleveland, OH HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Cleveland, OH and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Cleveland | South Bend |
|---|---|---|
| Housing (rent) | 79.4 | 74.6 |
| Goods | 93.6 | 94.2 |
| Utilities | 96.0 | 87.7 |
| Other services | 98.9 | 99.2 |
| Overall | 93.9 | 92.9 |
Moving with the same $100,000 salary
Cleveland, OH → South Bend, IN
Roughly even
Buying power +1.1%; rent takes 17% of take-home; state tax +$953/yr.
72 Strong offer
South Bend, IN → Cleveland, OH
Roughly even
Buying power −1.1%; rent takes 16% of take-home; state tax −$953/yr.
65 Fair offer
On the GS pay scale?
Cleveland, OH is in the Cleveland-Akron-Canton, OH-PA pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Cleveland, OH to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Cleveland, OH | South Bend, IN | Real change, Cleveland → South Bend |
|---|---|---|---|
| GS-9 step 1 | $64,448 | $61,722 | −3.1% |
| GS-11 step 1 | $77,977 | $74,678 | −3.1% |
| GS-12 step 1 | $93,461 | $89,508 | −3.1% |
| GS-13 step 1 | $111,138 | $106,437 | −3.1% |
| GS-14 step 1 | $131,331 | $125,776 | −3.1% |
Pay for common jobs
| Median annual pay4 | Cleveland, OH | South Bend, IN | South Bend pay in Cleveland dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,470 | $58,180 | $58,847 (−23.0%) |
| Software Developers | $111,310 | $95,500 | $96,595 (−13.2%) |
| Accountants and Auditors | $80,000 | $77,940 | $78,834 (−1.5%) |
| Registered Nurses | $83,940 | $93,540 | $94,613 (+12.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.