Baltimore, MD vs South Bend, IN
Moving from Baltimore to South Bend? Here's what changes — from your equivalent salary to housing ($405,877 → $238,866 median home) and taxes.
Baltimore vs South Bend at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Baltimore, MD, you'd need about $88,558 in South Bend, IN (−$11,442).
Livability — Baltimore, MD: 57 · South Bend, IN: 71 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,341 sqft in Baltimore vs 3,978 sqft in South Bend ($214 vs $126 per sqft).
Annual cost breakdown (at $100,000)
| Category | Baltimore, MD | South Bend, IN | Difference |
|---|---|---|---|
| Housing | $23,028 | $16,080 | −$6,948 |
| Groceries | $5,075 | $4,734 | −$341 |
| Transportation | $3,685 | $3,250 | −$435 |
| Utilities | $2,388 | $1,932 | −$456 |
| Insurance | $1,400 | $1,600 | +$200 |
| Taxes | $11,584 | $7,022 | −$4,562 |
| Total | $47,160 | $34,618 | −$12,542 |
Side by side
| Metric | Baltimore, MD | South Bend, IN |
|---|---|---|
| Cost-of-living index | 103.2 | 91.4 |
| Unemployment rate | 4.86% | 4.85% |
| Population growth (5-yr) | 1.7% | 1.2% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.87 | $5.20 |
| Median home price | $405,877 | $238,866 |
| Home price ÷ income | 4.3× | 3.8× |
| 1-yr home appreciation | 0.8% | 5.7% |
| Price per square foot | $214 | $126 |
| Median rent | $1,919 | $1,340 |
| Total tax burden (% income) | 11.3% | 9.3% |
| Combined sales tax | 6.00% | 7.00% |
| Capital gains tax | 5.75% | 3.05% |
| Property tax rate | 1.04% | 0.90% |
| Healthcare (annual) | $7,200 | $6,600 |
| Childcare (annual, infant) | $16,000 | $12,000 |
| Vehicle property tax | None | 1.20% |
| Avg commute (min) | 30 | 22 |
| Home insurance / yr | $1,400 | $1,600 |
| Auto insurance / yr | $1,900 | $1,400 |
| Flood insurance / yr | $750 | $600 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 22.1 | 17.9 |
| Gas $/gal | 3.30 | 3.30 |
| Natural gas / mo | $88 | $72 |
| Water & sewer / mo | $106 | $102 |
| Home internet / mo | $82 | $81 |
| Violent crime /100k | 450 | 360 |
| Avg summer high °F | 88 | 86 |
| Avg winter low °F | 27 | 20 |
| Annual precipitation (in) | 45.0 | 43.6 |
| Annual snowfall (in) | 19.3 | 25.5 |
| Sunshine (% possible) | 57% | 55% |
| Permit difficulty (1–5) | 4 | 2 |