City comparison
Baltimore, MD vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Baltimore, MD are 12.5% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $112,500 in Baltimore, MD to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,511 a month in Baltimore, MD versus $1,105 in South Bend, IN. On $100,000, that's 24% of take-home pay in Baltimore, MD and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $1,466 a year higher in Baltimore, MD than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −12.6% moving from Baltimore, MD to South Bend, IN ($121,785 → $106,437), while prices change by −11.1%. Net effect of the transfer: −1.7% in real buying power.
- Baltimore, MD: price level 104.5 (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
| Baltimore, MD | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 104.5 | 92.9 |
| $100,000 is worth, in the other city2 | $88,870 in South Bend | $112,523 in Baltimore |
| Typical 1-bedroom rent3 | $1,511/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $74,794 | $76,260 |
| State income tax on $100,000 (estimate)8 | $4,386 (MD) | $2,921 (IN) |
| Rent burden on $100,000 | 24% | 17% |
| Median pay, all jobs4 | $59,070 | $46,540 |
| Federal locality pay area7 | Washington-Baltimore-Arlington, DC-MD-VA-WV-PA | Rest of U.S. |
Rent areas: Baltimore-Columbia-Towson, MD MSA and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Baltimore-Columbia-Towson, MD and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Baltimore | South Bend |
|---|---|---|
| Housing (rent) | 118.2 | 74.6 |
| Goods | 102.4 | 94.2 |
| Utilities | 110.2 | 87.7 |
| Other services | 101.5 | 99.2 |
| Overall | 104.5 | 92.9 |
Moving with the same $100,000 salary
Baltimore, MD → South Bend, IN
Same pay goes further
Buying power +12.5%; rent takes 17% of take-home; state tax −$1,466/yr.
100 Strong offer
South Bend, IN → Baltimore, MD
Same pay buys less
Buying power −11.1%; rent takes 24% of take-home; state tax +$1,466/yr.
38 Weak offer
On the GS pay scale?
Baltimore, MD is in the Washington-Baltimore-Arlington, DC-MD-VA-WV-PA pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Baltimore, MD to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Baltimore, MD | South Bend, IN | Real change, Baltimore → South Bend |
|---|---|---|---|
| GS-9 step 1 | $70,623 | $61,722 | −1.7% |
| GS-11 step 1 | $85,447 | $74,678 | −1.7% |
| GS-12 step 1 | $102,415 | $89,508 | −1.7% |
| GS-13 step 1 | $121,785 | $106,437 | −1.7% |
| GS-14 step 1 | $143,913 | $125,776 | −1.7% |
Pay for common jobs
| Median annual pay4 | Baltimore, MD | South Bend, IN | South Bend pay in Baltimore dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,400 | $58,180 | $65,466 (−14.3%) |
| Software Developers | $138,900 | $95,500 | $107,460 (−22.6%) |
| Accountants and Auditors | $85,160 | $77,940 | $87,701 (+3.0%) |
| Registered Nurses | $99,550 | $93,540 | $105,254 (+5.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.