City comparison
South Bend, IN vs Virginia Beach, VA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Virginia Beach, VA are 5.5% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $105,500 in Virginia Beach, VA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,512 a month in Virginia Beach, VA versus $1,105 in South Bend, IN. On $100,000, that's 24% of take-home pay in Virginia Beach, VA and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $2,015 a year higher in Virginia Beach, VA than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by +1.5% moving from South Bend, IN to Virginia Beach, VA ($106,437 → $108,019), while prices change by +5.5%. Net effect of the transfer: −3.8% in real buying power.
- South Bend, IN: price level 92.9 (cheaper)
- Virginia Beach, VA: price level 97.9 (cheaper)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| South Bend, IN | Virginia Beach, VA | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.9 | 97.9 |
| $100,000 is worth, in the other city2 | $105,474 in Virginia Beach | $94,810 in South Bend |
| Typical 1-bedroom rent3 | $1,105/mo | $1,512/mo |
| Take-home on $100,00014,15,8 | $76,260 | $74,244 |
| State income tax on $100,000 (estimate)8 | $2,921 (IN) | $4,936 (VA) |
| Rent burden on $100,000 | 17% | 24% |
| Median pay, all jobs4 | $46,540 | $49,430 |
| Federal locality pay area7 | Rest of U.S. | Virginia Beach-Norfolk, VA-NC |
Rent areas: South Bend-Mishawaka, IN HUD Metro FMR Area and Virginia Beach-Norfolk-Newport News, VA-NC HUD Metro FMR Area. Metro areas: South Bend-Mishawaka, IN-MI and Virginia Beach-Chesapeake-Norfolk, VA-NC.
What costs more or less
| Price level (U.S. = 100) | South Bend | Virginia Beach |
|---|---|---|
| Housing (rent) | 74.6 | 99.8 |
| Goods | 94.2 | 96.8 |
| Utilities | 87.7 | 89.6 |
| Other services | 99.2 | 98.6 |
| Overall | 92.9 | 97.9 |
Moving with the same $100,000 salary
South Bend, IN → Virginia Beach, VA
Same pay buys less
Buying power −5.2%; rent takes 24% of take-home; state tax +$2,015/yr.
53 Fair offer
Virginia Beach, VA → South Bend, IN
Same pay goes further
Buying power +5.5%; rent takes 17% of take-home; state tax −$2,015/yr.
86 Strong offer
On the GS pay scale?
South Bend, IN is in the Rest of U.S. pay area; Virginia Beach, VA is in Virginia Beach-Norfolk, VA-NC. The last column shows what a transfer from South Bend, IN to Virginia Beach, VA at the same grade and step does to real buying power.
| Grade5,2 | South Bend, IN | Virginia Beach, VA | Real change, South Bend → Virginia Beach |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,640 | −3.8% |
| GS-11 step 1 | $74,678 | $75,788 | −3.8% |
| GS-12 step 1 | $89,508 | $90,838 | −3.8% |
| GS-13 step 1 | $106,437 | $108,019 | −3.8% |
| GS-14 step 1 | $125,776 | $127,646 | −3.8% |
Pay for common jobs
| Median annual pay4 | South Bend, IN | Virginia Beach, VA | Virginia Beach pay in South Bend dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,180 | $63,380 | $60,091 (+3.3%) |
| Software Developers | $95,500 | $129,090 | $122,390 (+28.2%) |
| Accountants and Auditors | $77,940 | $79,450 | $75,327 (−3.4%) |
| Registered Nurses | $93,540 | $89,450 | $84,808 (−9.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.