San Francisco, CA vs South Bend, IN
Moving from San Francisco to South Bend? Here's what changes — from your equivalent salary to housing ($1,149,215 → $238,866 median home) and taxes.
San Francisco 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 San Francisco, CA, you'd need about $77,735 in South Bend, IN (−$22,265).
Livability — San Francisco, CA: 35 · South Bend, IN: 71 (0–100).
What your home budget buys
A $500,000 home budget gets you about 653 sqft in San Francisco vs 3,978 sqft in South Bend ($766 vs $126 per sqft).
Annual cost breakdown (at $100,000)
| Category | San Francisco, CA | South Bend, IN | Difference |
|---|---|---|---|
| Housing | $39,096 | $16,080 | −$23,016 |
| Groceries | $5,761 | $4,734 | −$1,027 |
| Transportation | $5,125 | $3,250 | −$1,875 |
| Utilities | $3,804 | $1,932 | −$1,872 |
| Insurance | $1,500 | $1,600 | +$100 |
| Taxes | $24,108 | $7,022 | −$17,086 |
| Total | $79,394 | $34,618 | −$44,776 |
Side by side
| Metric | San Francisco, CA | South Bend, IN |
|---|---|---|
| Cost-of-living index | 117.6 | 91.4 |
| Unemployment rate | 5.22% | 4.85% |
| Population growth (5-yr) | 1.1% | 1.2% |
| Air quality (median AQI) | 42 | 42 |
| Big Mac price (est.) | $6.69 | $5.20 |
| Median home price | $1,149,215 | $238,866 |
| Home price ÷ income | 8.9× | 3.8× |
| 1-yr home appreciation | -0.8% | 5.7% |
| Price per square foot | $766 | $126 |
| Median rent | $3,258 | $1,340 |
| Total tax burden (% income) | 13.5% | 9.3% |
| Combined sales tax | 8.82% | 7.00% |
| Capital gains tax | 13.30% | 3.05% |
| Property tax rate | 0.72% | 0.90% |
| Healthcare (annual) | $7,200 | $6,600 |
| Childcare (annual, infant) | $19,000 | $12,000 |
| Vehicle property tax | 0.65% | 1.20% |
| Avg commute (min) | 33 | 22 |
| Home insurance / yr | $1,500 | $1,600 |
| Auto insurance / yr | $2,400 | $1,400 |
| Flood insurance / yr | $750 | $600 |
| Earthquake insurance / yr | $950 | $100 |
| Electricity ¢/kWh | 35.3 | 17.9 |
| Gas $/gal | 4.85 | 3.30 |
| Natural gas / mo | $72 | $72 |
| Water & sewer / mo | $138 | $102 |
| Home internet / mo | $83 | $81 |
| Violent crime /100k | 500 | 360 |
| Avg summer high °F | 84 | 86 |
| Avg winter low °F | 45 | 20 |
| Annual precipitation (in) | 22.9 | 43.6 |
| Annual snowfall (in) | 0.0 | 25.5 |
| Sunshine (% possible) | 66% | 55% |
| Permit difficulty (1–5) | 5 | 2 |