City comparison
Naples, FL vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Naples, FL are 11.1% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $111,100 in Naples, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,797 a month in Naples, FL versus $1,105 in South Bend, IN. On $100,000, that's 27% of take-home pay in Naples, FL 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 Naples, FL.
- 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 Naples, FL to South Bend, IN changes real buying power by +11.1%, purely from prices.
- Naples, FL: price level 103.2 (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
| Naples, FL | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 103.2 | 92.9 |
| $100,000 is worth, in the other city2 | $89,979 in South Bend | $111,137 in Naples |
| Typical 1-bedroom rent3 | $1,797/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,260 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $2,921 (IN) |
| Rent burden on $100,000 | 27% | 17% |
| Median pay, all jobs4 | $47,800 | $46,540 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Naples-Marco Island, FL MSA and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Naples-Marco Island, FL and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Naples | South Bend |
|---|---|---|
| Housing (rent) | 129.4 | 74.6 |
| Goods | 96.2 | 94.2 |
| Utilities | 87.8 | 87.7 |
| Other services | 98.9 | 99.2 |
| Overall | 103.2 | 92.9 |
Moving with the same $100,000 salary
Naples, FL → South Bend, IN
Same pay goes further
Buying power +11.1%; rent takes 17% of take-home; state tax +$2,921/yr.
100 Strong offer
South Bend, IN → Naples, FL
Same pay buys less
Buying power −10.0%; rent takes 27% of take-home; state tax −$2,921/yr.
34 Weak 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 Naples, FL to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Naples, FL | South Bend, IN | Real change, Naples → South Bend |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | +11.1% |
| GS-11 step 1 | $74,678 | $74,678 | +11.1% |
| GS-12 step 1 | $89,508 | $89,508 | +11.1% |
| GS-13 step 1 | $106,437 | $106,437 | +11.1% |
| GS-14 step 1 | $125,776 | $125,776 | +11.1% |
Pay for common jobs
| Median annual pay4 | Naples, FL | South Bend, IN | South Bend pay in Naples dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $60,470 | $58,180 | $64,660 (+6.9%) |
| Software Developers | $130,730 | $95,500 | $106,136 (−18.8%) |
| Accountants and Auditors | $84,570 | $77,940 | $86,621 (+2.4%) |
| Registered Nurses | $93,330 | $93,540 | $103,958 (+11.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.