City comparison
Ocala, FL vs South Bend, IN
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Ocala, FL are 2.6% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $102,600 in Ocala, FL to live the same way.
- Rent differs too: a typical 1-bedroom costs $1,172 a month in Ocala, FL versus $1,105 in South Bend, IN. On $100,000, that's 18% of take-home pay in Ocala, FL and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $2,921 a year higher in South Bend, IN than in Ocala, FL.
- 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 Ocala, FL to South Bend, IN changes real buying power by +2.6%, purely from prices.
- Ocala, FL: price level 95.2 (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
| Ocala, FL | South Bend, IN | |
|---|---|---|
| Price level (U.S. = 100)2 | 95.2 | 92.9 |
| $100,000 is worth, in the other city2 | $97,505 in South Bend | $102,559 in Ocala |
| Typical 1-bedroom rent3 | $1,172/mo | $1,105/mo |
| Take-home on $100,00014,15,8 | $79,180 | $76,260 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $2,921 (IN) |
| Rent burden on $100,000 | 18% | 17% |
| Median pay, all jobs4 | $43,990 | $46,540 |
| Federal locality pay area7 | Rest of U.S. | Rest of U.S. |
Rent areas: Ocala, FL MSA and South Bend-Mishawaka, IN HUD Metro FMR Area. Metro areas: Ocala, FL and South Bend-Mishawaka, IN-MI.
What costs more or less
| Price level (U.S. = 100) | Ocala | South Bend |
|---|---|---|
| Housing (rent) | 86.2 | 74.6 |
| Goods | 96.2 | 94.2 |
| Utilities | 87.1 | 87.7 |
| Other services | 98.9 | 99.2 |
| Overall | 95.2 | 92.9 |
Moving with the same $100,000 salary
Ocala, FL → South Bend, IN
Same pay goes further
Buying power +2.6%; rent takes 17% of take-home; state tax +$2,921/yr.
77 Strong offer
South Bend, IN → Ocala, FL
Same pay buys less
Buying power −2.5%; rent takes 18% of take-home; state tax −$2,921/yr.
61 Fair 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 Ocala, FL to South Bend, IN at the same grade and step does to real buying power.
| Grade5,2 | Ocala, FL | South Bend, IN | Real change, Ocala → South Bend |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $61,722 | +2.6% |
| GS-11 step 1 | $74,678 | $74,678 | +2.6% |
| GS-12 step 1 | $89,508 | $89,508 | +2.6% |
| GS-13 step 1 | $106,437 | $106,437 | +2.6% |
| GS-14 step 1 | $125,776 | $125,776 | +2.6% |
Pay for common jobs
| Median annual pay4 | Ocala, FL | South Bend, IN | South Bend pay in Ocala dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $57,540 | $58,180 | $59,669 (+3.7%) |
| Software Developers | $112,780 | $95,500 | $97,944 (−13.2%) |
| Accountants and Auditors | $74,370 | $77,940 | $79,934 (+7.5%) |
| Registered Nurses | $79,230 | $93,540 | $95,933 (+21.1%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.