City comparison
Houston, TX vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Houston, TX are 6.2% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $106,200 in Houston, TX to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,323 a month in Houston, TX versus $1,105 in South Bend, IN. On $100,000, that's 20% of take-home pay in Houston, TX and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $2,921 a year higher in South Bend, IN than in Houston, TX.
- For federal employees, locality pay changes a GS-13 step 1 salary by −13.3% moving from Houston, TX to South Bend, IN ($122,749 → $106,437), while prices change by −5.9%. Net effect of the transfer: −7.9% in real buying power.
- Houston, TX: price level 98.6 (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
| Houston, TX | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 98.6 | 92.9 |
| $100,000 is worth, in the other city2 | $94,149 in South Bend | $106,215 in Houston |
| Typical 1-bedroom rent3 | $1,323/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,260 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $2,921 (IN) |
| Rent burden on $100,000 | 20% | 17% |
| Median pay, all jobs4 | $49,410 | $46,540 |
| Federal locality pay area7 | Houston-The Woodlands, TX | Rest of U.S. |
Rent areas: Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Houston-Pasadena-The Woodlands, TX and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Houston | South Bend |
|---|---|---|
| Housing (rent) | 104.5 | 74.6 |
| Goods | 100.6 | 94.2 |
| Utilities | 95.3 | 87.7 |
| Other services | 95.6 | 99.2 |
| Overall | 98.6 | 92.9 |
Moving with the same $100,000 salary
Houston, TX → South Bend, IN
Same pay goes further
Buying power +6.2%; rent takes 17% of take-home; state tax +$2,921/yr.
88 Strong offer
South Bend, IN → Houston, TX
Same pay buys less
Buying power −5.9%; rent takes 20% of take-home; state tax −$2,921/yr.
50 Fair offer
On the GS pay scale?
Houston, TX is in the Houston-The Woodlands, TX pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Houston, TX to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Houston, TX | South Bend, IN | Real change, Houston → South Bend |
|---|---|---|---|
| GS-9 step 1 | $71,181 | $61,722 | −7.9% |
| GS-11 step 1 | $86,123 | $74,678 | −7.9% |
| GS-12 step 1 | $103,225 | $89,508 | −7.9% |
| GS-13 step 1 | $122,749 | $106,437 | −7.9% |
| GS-14 step 1 | $145,052 | $125,776 | −7.9% |
Pay for common jobs
| Median annual pay4 | Houston, TX | South Bend, IN | South Bend pay in Houston dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $64,500 | $58,180 | $61,796 (−4.2%) |
| Software Developers | $129,440 | $95,500 | $101,435 (−21.6%) |
| Accountants and Auditors | $85,090 | $77,940 | $82,784 (−2.7%) |
| Registered Nurses | $99,830 | $93,540 | $99,353 (−0.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.