City comparison
South Bend, IN vs Worcester, MA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Worcester, MA are 10.4% higher than in South Bend, IN. Someone earning $100,000 in South Bend, IN would need about $110,400 in Worcester, MA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,599 a month in Worcester, MA versus $1,105 in South Bend, IN. On $100,000, that's 26% of take-home pay in Worcester, MA and 17% in South Bend, IN.
- On $100,000, estimated state income tax is about $1,860 a year higher in Worcester, MA than in South Bend, IN.
- For federal employees, locality pay changes a GS-13 step 1 salary by +13.3% moving from South Bend, IN to Worcester, MA ($106,437 → $120,548), while prices change by +10.4%. Net effect of the transfer: +2.6% in real buying power.
- South Bend, IN: price level 92.9 (cheaper)
- Worcester, MA: price level 102.5 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| South Bend, IN | Worcester, MA | |
|---|---|---|
| Price level (U.S. = 100)2 | 92.9 | 102.5 |
| $100,000 is worth, in the other city2 | $110,408 in Worcester | $90,573 in South Bend |
| Typical 1-bedroom rent3 | $1,105/mo | $1,599/mo |
| Take-home on $100,00014,15,8 | $76,260 | $74,400 |
| State income tax on $100,000 (estimate)8 | $2,921 (IN) | $4,780 (MA) |
| Rent burden on $100,000 | 17% | 26% |
| Median pay, all jobs4 | $46,540 | $57,830 |
| Federal locality pay area7 | Rest of U.S. | Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT |
Rent areas: South Bend-Mishawaka, IN HUD Metro FMR Area and Worcester, MA HUD Metro FMR Area. Metro areas: South Bend-Mishawaka, IN-MI and Worcester, MA.
What costs more or less
| Price level (U.S. = 100) | South Bend | Worcester |
|---|---|---|
| Housing (rent) | 74.6 | 113.0 |
| Goods | 94.2 | 97.0 |
| Utilities | 87.7 | 155.2 |
| Other services | 99.2 | 101.2 |
| Overall | 92.9 | 102.5 |
Moving with the same $100,000 salary
South Bend, IN → Worcester, MA
Same pay buys less
Buying power −9.4%; rent takes 26% of take-home; state tax +$1,860/yr.
38 Weak offer
Worcester, MA → South Bend, IN
Same pay goes further
Buying power +10.4%; rent takes 17% of take-home; state tax −$1,860/yr.
100 Strong offer
On the GS pay scale?
South Bend, IN is in the Rest of U.S. pay area; Worcester, MA is in Boston-Worcester-Providence, MA-RI-NH-CT-ME-VT. The last column shows what a transfer from South Bend, IN to Worcester, MA at the same grade and step does to real buying power.
| Grade5,2 | South Bend, IN | Worcester, MA | Real change, South Bend → Worcester |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $69,905 | +2.6% |
| GS-11 step 1 | $74,678 | $84,579 | +2.6% |
| GS-12 step 1 | $89,508 | $101,375 | +2.6% |
| GS-13 step 1 | $106,437 | $120,548 | +2.6% |
| GS-14 step 1 | $125,776 | $142,452 | +2.6% |
Pay for common jobs
| Median annual pay4 | South Bend, IN | Worcester, MA | Worcester pay in South Bend dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $58,180 | $82,810 | $75,003 (+28.9%) |
| Software Developers | $95,500 | $146,950 | $133,097 (+39.4%) |
| Accountants and Auditors | $77,940 | $94,070 | $85,202 (+9.3%) |
| Registered Nurses | $93,540 | $100,240 | $90,790 (−2.9%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.