South Bend

Cost of Living in South Bend, IN (2026): Rent, Utilities & Take-Home

$2,414 left/mo

Photo: Wikimedia

$2,919/mo in South Bend. $2,414 left each month. Prices near the US average.

Pick a home city How we figure this

Monthly costs

Take-home $5,333/mo.

Taxes$1,644
Rent$1,005
Other$1,914
Left$2,414

Pay and tax, per year

Gross household pay: $83,730
Federal income tax: −$9,591
Social Security and Medicare: −$6,405
State income tax (IN): −$2,482
City / county wage tax: −$1,256
Take-home pay: $63,996
Effective tax rate: 23.6%

Living costs, per month

Rent, 1br: $1,005
Groceries: $378
Getting around: $542
Healthcare: $426
Utilities and internet: $237
Everything else: $331
Total spending: $2,919

After tax and rent

$2,414 left/mo

Stats

Rent: $1,196; 2 bd median
Take-home: $5,333; Per month
Tax: 24%; Of pay
Prices: 5% below; US, besides rent

Average electric bill in Indiana

About $144 a month for a household using 900 kWh. That is the EIA residential price for Indiana in 2025, 15.96¢ per kWh. It is a state average, not a South Bend utility bill, and the utilities line in the monthly costs above already includes a modelled power cost.

Moving from South Bend

Moving from South Bend to Indianapolis