City comparison
Charlotte, NC vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Charlotte, NC are 4.8% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $104,800 in Charlotte, NC to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,538 a month in Charlotte, NC versus $1,105 in South Bend, IN. On $100,000, that's 24% of take-home pay in Charlotte, NC and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $561 a year higher in Charlotte, NC than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −2.2% moving from Charlotte, NC to South Bend, IN ($108,810 → $106,437), while prices change by −4.6%. Net effect of the transfer: +2.5% in real buying power.
- Charlotte, NC: price level 97.3 (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
| Charlotte, NC | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 97.3 | 92.9 |
| $100,000 is worth, in the other city2 | $95,388 in South Bend | $104,835 in Charlotte |
| Typical 1-bedroom rent3 | $1,538/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $75,699 | $76,260 |
| State income tax on $100,000 (estimate)8 | $3,481 (NC) | $2,921 (IN) |
| Rent burden on $100,000 | 24% | 17% |
| Median pay, all jobs4 | $49,990 | $46,540 |
| Federal locality pay area7 | Charlotte-Concord, NC-SC | Rest of U.S. |
Rent areas: Charlotte-Concord-Gastonia, NC-SC HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Charlotte-Concord-Gastonia, NC-SC and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Charlotte | South Bend |
|---|---|---|
| Housing (rent) | 97.6 | 74.6 |
| Goods | 96.6 | 94.2 |
| Utilities | 89.2 | 87.7 |
| Other services | 98.2 | 99.2 |
| Overall | 97.3 | 92.9 |
Moving with the same $100,000 salary
Charlotte, NC → South Bend, IN
Same pay goes further
Buying power +4.8%; rent takes 17% of take-home; state tax −$561/yr.
84 Strong offer
South Bend, IN → Charlotte, NC
Same pay buys less
Buying power −4.6%; rent takes 24% of take-home; state tax +$561/yr.
54 Fair offer
On the GS pay scale?
Charlotte, NC is in the Charlotte-Concord, NC-SC pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Charlotte, NC to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Charlotte, NC | South Bend, IN | Real change, Charlotte → South Bend |
|---|---|---|---|
| GS-9 step 1 | $63,098 | $61,722 | +2.5% |
| GS-11 step 1 | $76,343 | $74,678 | +2.5% |
| GS-12 step 1 | $91,503 | $89,508 | +2.5% |
| GS-13 step 1 | $108,810 | $106,437 | +2.5% |
| GS-14 step 1 | $128,581 | $125,776 | +2.5% |
Pay for common jobs
| Median annual pay4 | Charlotte, NC | South Bend, IN | South Bend pay in Charlotte dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,680 | $58,180 | $60,993 (+3.9%) |
| Software Developers | $135,920 | $95,500 | $100,118 (−26.3%) |
| Accountants and Auditors | $92,910 | $77,940 | $81,709 (−12.1%) |
| Registered Nurses | $90,620 | $93,540 | $98,063 (+8.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.