City comparison
McAllen, TX 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 8.1% higher than in McAllen, TX. Someone earning $100,000 in McAllen, TX would need about $108,100 in South Bend, IN to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,105 a month in South Bend, IN versus $847 in McAllen, TX. On $100,000, that's 17% of take-home pay in South Bend, IN and 13% in McAllen, TX.
- On $100,000, estimated state income tax is about $2,921 a year higher in South Bend, IN than in McAllen, TX.
- Both cities are in the same federal pay area (Rest of U.S.), so a GS-13 step 1 earns $106,437 in either. A transfer from McAllen, TX to South Bend, IN changes real buying power by −7.5%, purely from prices.
- McAllen, TX: price level 85.9 (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
| McAllen, TX | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 85.9 | 92.9 |
| $100,000 is worth, in the other city2 | $108,106 in South Bend | $92,501 in McAllen |
| Typical 1-bedroom rent3 | $847/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 | 13% | 17% |
| Median pay, all jobs4 | $35,830 | $46,540 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: McAllen-Edinburg-Mission, TX MSA and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: McAllen-Edinburg-Mission, TX and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | McAllen | South Bend |
|---|---|---|
| Housing (rent) | 55.9 | 74.6 |
| Goods | 93.8 | 94.2 |
| Utilities | 81.2 | 87.7 |
| Other services | 96.2 | 99.2 |
| Overall | 85.9 | 92.9 |
Moving with the same $100,000 salary
McAllen, TX → South Bend, IN
Same pay buys less
Buying power −7.5%; rent takes 17% of take-home; state tax +$2,921/yr.
45 Fair offer
South Bend, IN → McAllen, TX
Same pay goes further
Buying power +8.1%; rent takes 13% of take-home; state tax −$2,921/yr.
94 Strong offer
On the GS pay scale?
Both metros are in the Rest of U.S. locality pay area, so GS salaries are identical. The last column shows what a transfer from McAllen, TX to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | McAllen, TX | South Bend, IN | Real change, McAllen → South Bend |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −7.5% |
| GS-11 step 1 | $74,678 | $74,678 | −7.5% |
| GS-12 step 1 | $89,508 | $89,508 | −7.5% |
| GS-13 step 1 | $106,437 | $106,437 | −7.5% |
| GS-14 step 1 | $125,776 | $125,776 | −7.5% |
Pay for common jobs
| Median annual pay4 | McAllen, TX | South Bend, IN | South Bend pay in McAllen dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,110 | $58,180 | $53,817 (−14.7%) |
| Software Developers | $116,120 | $95,500 | $88,339 (−23.9%) |
| Accountants and Auditors | $64,470 | $77,940 | $72,096 (+11.8%) |
| Registered Nurses | $80,540 | $93,540 | $86,526 (+7.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.