South Bend, IN vs San Francisco, CA
Moving from South Bend to San Francisco? Here's what changes — from your equivalent salary to housing ($238,866 → $1,149,215 median home) and taxes.
South Bend vs San Francisco 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 South Bend, IN, you'd need about $128,643 in San Francisco, CA (+$28,643).
Livability — South Bend, IN: 71 · San Francisco, CA: 35 (0–100).
What your home budget buys
A $500,000 home budget gets you about 3,978 sqft in South Bend vs 653 sqft in San Francisco ($126 vs $766 per sqft).
Annual cost breakdown (at $100,000)
| Category | South Bend, IN | San Francisco, CA | Difference |
|---|---|---|---|
| Housing | $16,080 | $39,096 | +$23,016 |
| Groceries | $4,734 | $5,761 | +$1,027 |
| Transportation | $3,250 | $5,125 | +$1,875 |
| Utilities | $1,932 | $3,804 | +$1,872 |
| Insurance | $1,600 | $1,500 | −$100 |
| Taxes | $7,022 | $24,108 | +$17,086 |
| Total | $34,618 | $79,394 | +$44,776 |
Side by side
| Metric | South Bend, IN | San Francisco, CA |
|---|---|---|
| Cost-of-living index | 91.4 | 117.6 |
| Unemployment rate | 4.85% | 5.22% |
| Population growth (5-yr) | 1.2% | 1.1% |
| Air quality (median AQI) | 45 | 53 |
| Big Mac price (est.) | $5.20 | $6.69 |
| Median home price | $238,866 | $1,149,215 |
| Home price ÷ income | 3.8× | 8.9× |
| 1-yr home appreciation | 5.7% | -0.8% |
| Price per square foot | $126 | $766 |
| Median rent | $1,340 | $3,258 |
| Total tax burden (% income) | 9.3% | 13.5% |
| Combined sales tax | 7.00% | 8.82% |
| Capital gains tax | 3.05% | 13.30% |
| Property tax rate | 0.90% | 0.72% |
| Healthcare (annual) | $6,600 | $7,200 |
| Childcare (annual, infant) | $12,000 | $19,000 |
| Vehicle property tax | 1.20% | 0.65% |
| Avg commute (min) | 22 | 33 |
| Home insurance / yr | $1,600 | $1,500 |
| Auto insurance / yr | $1,400 | $2,400 |
| Flood insurance / yr | $600 | $750 |
| Earthquake insurance / yr | $100 | $950 |
| Electricity ¢/kWh | 17.9 | 35.3 |
| Gas $/gal | 3.30 | 4.85 |
| Violent crime /100k | 360 | 500 |
| Avg summer high °F | 86 | 84 |
| Avg winter low °F | 20 | 45 |
| Permit difficulty (1–5) | 2 | 5 |