Cincinnati, OH vs South Bend, IN
Moving from Cincinnati to South Bend? Here's what changes — from your equivalent salary to housing ($311,270 → $238,866 median home) and taxes.
Cincinnati 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 Cincinnati, OH, you'd need about $96,980 in South Bend, IN (−$3,020).
Livability — Cincinnati, OH: 70 · South Bend, IN: 71 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 3,978 sqft in South Bend ($189 vs $126 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | South Bend, IN | Difference |
|---|---|---|---|
| Housing | $18,900 | $16,080 | −$2,820 |
| Groceries | $4,718 | $4,734 | +$16 |
| Transportation | $3,025 | $3,250 | +$225 |
| Utilities | $2,100 | $1,932 | −$168 |
| Insurance | $1,300 | $1,600 | +$300 |
| Taxes | $8,820 | $7,022 | −$1,798 |
| Total | $38,863 | $34,618 | −$4,245 |
Side by side
| Metric | Cincinnati, OH | South Bend, IN |
|---|---|---|
| Cost-of-living index | 94.2 | 91.4 |
| Unemployment rate | 4.37% | 4.85% |
| Population growth (5-yr) | 4.5% | 1.2% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $5.36 | $5.20 |
| Median home price | $311,270 | $238,866 |
| Home price ÷ income | 4.1× | 3.8× |
| 1-yr home appreciation | 2.5% | 5.7% |
| Price per square foot | $189 | $126 |
| Median rent | $1,575 | $1,340 |
| Total tax burden (% income) | 10.0% | 9.3% |
| Combined sales tax | 7.24% | 7.00% |
| Capital gains tax | 3.50% | 3.05% |
| Property tax rate | 1.26% | 0.90% |
| Healthcare (annual) | $6,400 | $6,600 |
| Childcare (annual, infant) | $10,000 | $12,000 |
| Vehicle property tax | None | 1.20% |
| Avg commute (min) | 25 | 22 |
| Home insurance / yr | $1,300 | $1,600 |
| Auto insurance / yr | $1,300 | $1,400 |
| Flood insurance / yr | $600 | $600 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 19.5 | 17.9 |
| Gas $/gal | 3.25 | 3.30 |
| Natural gas / mo | $78 | $72 |
| Water & sewer / mo | $104 | $102 |
| Home internet / mo | $76 | $81 |
| Violent crime /100k | 300 | 360 |
| Avg summer high °F | 85 | 86 |
| Avg winter low °F | 20 | 20 |
| Annual precipitation (in) | 45.3 | 43.6 |
| Annual snowfall (in) | 23.3 | 25.5 |
| Sunshine (% possible) | 50% | 55% |
| Permit difficulty (1–5) | 2 | 2 |