South Bend vs Indianapolis leftover
You'd keep $212 more a month in Indianapolis
$2,467/mo leftover in Indianapolis vs $2,255 in South Bend after tax and rent ($212 more). +$2,544 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
South Bend leftover
$2,255
a month after tax and rent
Indianapolis leftover
$2,467
+$212 vs South Bend
Compare South Bend to another metro
Same paycheck. Try a different city next to South Bend.
Monthly gap
South Bend → Indianapolis
$212
more / month in Indianapolis
$2,467 in Indianapolis · $2,255 in South Bend · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 374 households moved South Bend → Indianapolis (avg AGI $59,061). 216 went the other way. The whole move →
+$212 / mo
| Per month | South Bend | Indianapolis | Difference |
|---|---|---|---|
| Gross pay | $6,792 | $7,399 | +$608 |
| Income and payroll tax | $1,618 | $1,864 | +$246 |
| Take-home pay | $5,174 | $5,535 | +$362 |
| Rent | $1,005 | $1,189 | +$184 |
| Getting around | $542 | $545 | +$3 |
| Groceries | $378 | $368 | −$10 |
| Healthcare | $426 | $414 | −$12 |
| Utilities | $237 | $230 | −$7 |
| Everything else | $331 | $322 | −$9 |
| Left over | $2,255 | $2,467 | +$212 |
To break even in Indianapolis, you'd need to earn
$85,000
Household gross, versus $81,500 today. That's the salary that leaves you exactly as much at the end of the month as South Bend does now.
The tax difference alone
−$790
A year, in state and local income tax. Effective rates: 23.8% in South Bend, 25.2% in Indianapolis.
More about Indianapolis
South Bend, IN in full
A flat 3% state income tax, a median 2-bedroom asking rent of $1,196 and 181 sunny days; commutes average 22 minutes.
Indianapolis, IN in full
Cheap housing, a 3% flat state tax, and a short commute.
The reverse move
Same two cities, but starting from Indianapolis on Indianapolis wages.
Indianapolis → South Bend →Questions
Is the cost of living lower in Indianapolis than South Bend?
A one-bedroom is about $1,005 in South Bend versus $1,189 in Indianapolis. On a one-adult, one-bedroom household, leftover is about $212 a month higher in Indianapolis. Change the job or household on the comparison to see your number.
Does Indianapolis have state income tax?
Indianapolis is in Indiana, which taxes wage income, plus a local wage tax of 2.02%.
What changes if you move from South Bend to Indianapolis?
Take-home pay is recalculated under Indiana tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between South Bend and Indianapolis moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.