City comparison
El Paso, TX vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in South Bend, IN are 3.3% higher than in El Paso, TX. Someone earning $100,000 in El Paso, TX would need about $103,300 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 $1,013 in El Paso, TX. On $100,000, that's 17% of take-home pay in South Bend, IN and 15% in El Paso, TX.
- On $100,000, estimated state income tax is about $2,921 a year higher in South Bend, IN than in El Paso, TX.
- 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 El Paso, TX to South Bend, IN changes real buying power by −3.2%, purely from prices.
- El Paso, TX: price level 89.9 (much 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
| El Paso, TX | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 89.9 | 92.9 |
| $100,000 is worth, in the other city2 | $103,277 in South Bend | $96,827 in El Paso |
| Typical 1-bedroom rent3 | $1,013/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,260 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $2,921 (IN) |
| Rent burden on $100,000 | 15% | 17% |
| Median pay, all jobs4 | $39,510 | $46,540 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: El Paso, TX HUD Metro FMR Area and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: El Paso, TX and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | El Paso | South Bend |
|---|---|---|
| Housing (rent) | 71.2 | 74.6 |
| Goods | 93.8 | 94.2 |
| Utilities | 82.6 | 87.7 |
| Other services | 96.2 | 99.2 |
| Overall | 89.9 | 92.9 |
Moving with the same $100,000 salary
El Paso, TX → South Bend, IN
Same pay buys less
Buying power −3.2%; rent takes 17% of take-home; state tax +$2,921/yr.
59 Fair offer
South Bend, IN → El Paso, TX
Same pay goes further
Buying power +3.3%; rent takes 15% of take-home; state tax −$2,921/yr.
79 Strong 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 El Paso, TX to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | El Paso, TX | South Bend, IN | Real change, El Paso → South Bend |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | −3.2% |
| GS-11 step 1 | $74,678 | $74,678 | −3.2% |
| GS-12 step 1 | $89,508 | $89,508 | −3.2% |
| GS-13 step 1 | $106,437 | $106,437 | −3.2% |
| GS-14 step 1 | $125,776 | $125,776 | −3.2% |
Pay for common jobs
| Median annual pay4 | El Paso, TX | South Bend, IN | South Bend pay in El Paso dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,800 | $58,180 | $56,334 (−11.7%) |
| Software Developers | $127,310 | $95,500 | $92,470 (−27.4%) |
| Accountants and Auditors | $65,990 | $77,940 | $75,467 (+14.4%) |
| Registered Nurses | $86,100 | $93,540 | $90,572 (+5.2%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.