City comparison
Denver, CO vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Denver, CO are 13.9% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $113,900 in Denver, CO to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,754 a month in Denver, CO versus $1,105 in South Bend, IN. On $100,000, that's 28% of take-home pay in Denver, CO and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $771 a year higher in Denver, CO than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by −10.3% moving from Denver, CO to South Bend, IN ($118,675 → $106,437), while prices change by −12.2%. Net effect of the transfer: +2.2% in real buying power.
- Denver, CO: price level 105.8 (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
| Denver, CO | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 105.8 | 92.9 |
| $100,000 is worth, in the other city2 | $87,782 in South Bend | $113,918 in Denver |
| Typical 1-bedroom rent3 | $1,754/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $75,488 | $76,260 |
| State income tax on $100,000 (estimate)8 | $3,692 (CO) | $2,921 (IN) |
| Rent burden on $100,000 | 28% | 17% |
| Median pay, all jobs4 | $62,320 | $46,540 |
| Federal locality pay area7 | Denver-Aurora, CO | Rest of U.S. |
Rent areas: Denver-Aurora-Centennial, CO MSA and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Denver-Aurora-Centennial, CO and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Denver | South Bend |
|---|---|---|
| Housing (rent) | 146.9 | 74.6 |
| Goods | 101.0 | 94.2 |
| Utilities | 87.9 | 87.7 |
| Other services | 99.4 | 99.2 |
| Overall | 105.8 | 92.9 |
Moving with the same $100,000 salary
Denver, CO → South Bend, IN
Same pay goes further
Buying power +13.9%; rent takes 17% of take-home; state tax −$771/yr.
100 Strong offer
South Bend, IN → Denver, CO
Same pay buys less
Buying power −12.2%; rent takes 28% of take-home; state tax +$771/yr.
33 Weak offer
On the GS pay scale?
Denver, CO is in the Denver-Aurora, CO pay area; South Bend, IN is in Rest of U.S.. The last column shows what a transfer from Denver, CO to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Denver, CO | South Bend, IN | Real change, Denver → South Bend |
|---|---|---|---|
| GS-9 step 1 | $68,819 | $61,722 | +2.2% |
| GS-11 step 1 | $83,265 | $74,678 | +2.2% |
| GS-12 step 1 | $99,800 | $89,508 | +2.2% |
| GS-13 step 1 | $118,675 | $106,437 | +2.2% |
| GS-14 step 1 | $140,239 | $125,776 | +2.2% |
Pay for common jobs
| Median annual pay4 | Denver, CO | South Bend, IN | South Bend pay in Denver dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $76,910 | $58,180 | $66,278 (−13.8%) |
| Software Developers | $137,610 | $95,500 | $108,792 (−20.9%) |
| Accountants and Auditors | $100,020 | $77,940 | $88,788 (−11.2%) |
| Registered Nurses | $101,130 | $93,540 | $106,559 (+5.4%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.