City comparison
South Bend, IN vs Springfield, MO
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in South Bend, IN are 4.8% higher than in Springfield, MO. Someone earning $100,000 in Springfield, MO would need about $104,800 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 $883 in Springfield, MO. On $100,000, that's 17% of take-home pay in South Bend, IN and 14% in Springfield, MO.
- On $100,000, estimated state income tax is about $842 a year higher in Springfield, MO than in South Bend, IN.
- 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 South Bend, IN to Springfield, MO changes real buying power by +4.8%, purely from prices.
- South Bend, IN: price level 92.9 (cheaper)
- Springfield, MO: price level 88.6 (much cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| South Bend, IN | Springfield, MO | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.9 | 88.6 |
| $100,000 is worth, in the other city2 | $95,398 in Springfield | $104,824 in South Bend |
| Typical 1-bedroom rent3 | $1,105/mo | $883/mo |
| Take-home on $100,00014,15,8 | $76,260 | $75,417 |
| State income tax on $100,000 (estimate)8 | $2,921 (IN) | $3,763 (MO) |
| Rent burden on $100,000 | 17% | 14% |
| Median pay, all jobs4 | $46,540 | $45,780 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: South Bend-Mishawaka, IN HUD Metro FMR Area and Springfield, MO HUD Metro FMR Area. Metro areas: South Bend-Mishawaka, IN-MI and Springfield, MO.
What costs more or less
| Price level (U.S. = 100) | South Bend | Springfield |
|---|---|---|
| Housing (rent) | 74.6 | 65.6 |
| Goods | 94.2 | 94.2 |
| Utilities | 87.7 | 85.8 |
| Other services | 99.2 | 93.0 |
| Overall | 92.9 | 88.6 |
Moving with the same $100,000 salary
South Bend, IN → Springfield, MO
Same pay goes further
Buying power +4.8%; rent takes 14% of take-home; state tax +$842/yr.
84 Strong offer
Springfield, MO → South Bend, IN
Same pay buys less
Buying power −4.6%; rent takes 17% of take-home; state tax −$842/yr.
54 Fair 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 South Bend, IN to Springfield, MO at the same grade and step does to real buying power.
| Grade5,2 | South Bend, IN | Springfield, MO | Real change, South Bend → Springfield |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | +4.8% |
| GS-11 step 1 | $74,678 | $74,678 | +4.8% |
| GS-12 step 1 | $89,508 | $89,508 | +4.8% |
| GS-13 step 1 | $106,437 | $106,437 | +4.8% |
| GS-14 step 1 | $125,776 | $125,776 | +4.8% |
Pay for common jobs
| Median annual pay4 | South Bend, IN | Springfield, MO | Springfield pay in South Bend dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,180 | $49,380 | $51,762 (−11.0%) |
| Software Developers | $95,500 | $102,350 | $107,287 (+12.3%) |
| Accountants and Auditors | $77,940 | $73,020 | $76,542 (−1.8%) |
| Registered Nurses | $93,540 | $79,370 | $83,199 (−11.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.