City comparison
Boston, MA vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Boston, MA are 16.6% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $116,600 in Boston, MA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $2,476 a month in Boston, MA versus $1,105 in South Bend, IN. On $100,000, that's 40% of take-home pay in Boston, MA and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $1,860 a year higher in Boston, MA than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −11.7% moving from Boston, MA to South Bend, IN ($120,548 → $106,437), while prices change by −14.2%. Net effect of the transfer: +2.9% in real buying power.
- Boston, MA: price level 108.3 (much 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
| Boston, MA | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 108.3 | 92.9 |
| $100,000 is worth, in the other city2 | $85,768 in South Bend | $116,593 in Boston |
| Typical 1-bedroom rent3 | $2,476/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $74,400 | $76,260 |
| State income tax on $100,000 (estimate)8 | $4,780 (MA) | $2,921 (IN) |
| Rent burden on $100,000 | 40% | 17% |
| Median pay, all jobs4 | $66,620 | $46,540 |
| Federal locality pay area7 | Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT | Rest of U.S. |
Rent areas: Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Boston-Cambridge-Newton, MA-NH and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Boston | South Bend |
|---|---|---|
| Housing (rent) | 148.4 | 74.6 |
| Goods | 99.7 | 94.2 |
| Utilities | 148.8 | 87.7 |
| Other services | 103.6 | 99.2 |
| Overall | 108.3 | 92.9 |
Moving with the same $100,000 salary
Boston, MA → South Bend, IN
Same pay goes further
Buying power +16.6%; rent takes 17% of take-home; state tax −$1,860/yr.
100 Strong offer
South Bend, IN → Boston, MA
Same pay buys less
Buying power −14.2%; rent takes 40% of take-home; state tax +$1,860/yr.
15 Weak offer
On the GS pay scale?
Boston, MA is in the Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Boston, MA to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Boston, MA | South Bend, IN | Real change, Boston → South Bend |
|---|---|---|---|
| GS-9 step 1 | $69,905 | $61,722 | +2.9% |
| GS-11 step 1 | $84,579 | $74,678 | +2.9% |
| GS-12 step 1 | $101,375 | $89,508 | +2.9% |
| GS-13 step 1 | $120,548 | $106,437 | +2.9% |
| GS-14 step 1 | $142,452 | $125,776 | +2.9% |
Pay for common jobs
| Median annual pay4 | Boston, MA | South Bend, IN | South Bend pay in Boston dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $98,060 | $58,180 | $67,834 (−30.8%) |
| Software Developers | $166,090 | $95,500 | $111,346 (−33.0%) |
| Accountants and Auditors | $100,150 | $77,940 | $90,873 (−9.3%) |
| Registered Nurses | $106,180 | $93,540 | $109,061 (+2.7%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.