

Niles vs South Bend
$32/mo more in South Bend
NilesSouth BendAbout 32 miles apart, close enough to drive.
- South Bend leaves you more
- Rent under 30% of pay
Same paycheck, two cities. $2,255/mo in South Bend. $2,223/mo in Niles. +$384 a year.
Niles
$2,223
left each month
South Bend
$2,255
+$32 vs Niles
Compare
Same paycheck, another city.
Next
In 2022-2023, 709 households moved Niles → South Bend (avg AGI $64,894). 656 went the other way. The whole move →
+$32 / mo
See full breakdown
| Per month | Niles | South Bend | Difference |
|---|---|---|---|
| Gross pay | $6,792 | $6,792 | $0 |
| Income and payroll tax | $1,652 | $1,618 | −$34 |
| Take-home pay | $5,140 | $5,174 | +$34 |
| Rent | $1,000 | $1,005 | +$5 |
| Getting around | $549 | $542 | −$7 |
| Groceries | $378 | $378 | $0 |
| Healthcare | $425 | $426 | +$1 |
| Utilities | $236 | $237 | +$1 |
| Everything else | $330 | $331 | +$1 |
| Left over | $2,223 | $2,255 | +$32 |
Salary to match Niles
$81,000
Gross pay in South Bend that leaves the same amount as $81,500 in Niles.
Tax difference
+$403
A year, in state and local income tax. Effective rates: 24.3% in Niles, 23.8% in South Bend.
More about South Bend
Niles, MI in full
A flat 4.25% state income tax, a median 2-bedroom asking rent of $1,190 and 182 sunny days; commutes average 21 minutes.
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.
The other way
Start in South Bend.
South Bend → Niles →Questions
Is the cost of living lower in South Bend than Niles?
For one adult in a one-bedroom, South Bend leaves about $32 more a month. A one-bedroom is about $1,000 in Niles and $1,005 in South Bend.
Does South Bend have state income tax?
South Bend is in Indiana, which taxes wage income, plus a local wage tax of 1.50%.
What changes if you move from Niles to South Bend?
The paycheck is taxed in Indiana. Rent stays at the same bedroom count. What you keep is the difference.
Left over each month is take-home pay minus rent and the rest of the bills. The gap between Niles and South Bend changes with the job, remote or local pay, and bedrooms. How we figure this · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Estimate, not a quote. How we figure this.