Cost of Living: South Bend vs Durham (2026)
South Bend has a 20% lower overall cost of living than Durham as of Q1 2026. A one-bedroom apartment runs $1,050/mo in South Bend vs $1,750/mo in Durham — a 40% difference. South Bend has a lower state income tax rate (3.2% vs 4.5%), which adds up over time.
- South Bend is 20% cheaper overall (COL index: 82 vs 102)
- 1BR rent: $1,050/mo in South Bend vs $1,750/mo — 40% savings
- Higher median household income: Durham ($72,000/yr vs $47,000/yr)
- Median home price: $195,000 in South Bend vs $390,000 — 50% difference
| Category | South Bend Indiana | Durham North Carolina |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $850Best | $1,400 |
| 1BR rent/mo | $1,050Best | $1,750 |
| 2BR rent/mo | $1,400Best | $2,300 |
| Median home price | $195KBest | $390K |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 93Best | 98 |
| Budget meal (1 person) | $11Best | $14 |
| Mid-range dinner (2) | $46Best | $58 |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $42Best | $82 |
| Gas price/gal | $3.05Best | $3.10 |
| Car insurance/mo | $140Best | $148 |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $155Best | $155 |
| Internet/mo | $58Best | $62 |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $47K | $72KBest |
| State income tax% | 3.2%Best | 4.5% |
| Sales tax (combined)% | 7.0%Best | 7.5% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $13.00Best | $15.00 |
| Gym membership/mo | $30Best | $42 |
| Beer at restaurant | $4.50Best | $6.50 |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 82Best | 102 |
| Walk score / 100 | 32 | 36Best |
Frequently asked questions
Is South Bend cheaper than Durham?
Yes. South Bend is 20% cheaper than Durham based on overall cost of living indices (82 vs 102, where 100 = US average).
What is the average rent in South Bend vs Durham?
As of Q1 2026, the median 1-bedroom rent in South Bend is $1,050/month and in Durham is $1,750/month. South Bend is cheaper by 40%.
How much do I need to earn in Durham to match a $75,000 salary in South Bend?
To maintain a similar lifestyle, you would need approximately $93,293/year in Durham to match a $75,000 salary in South Bend. This estimate is based on overall cost of living indices and does not account for individual spending patterns.
Which city has lower taxes — South Bend or Durham?
South Bend has the lower state income tax rate at 3.2% vs 4.5%. The difference is 1.3 percentage points. Note that sales tax and local taxes also vary — see the full breakdown in the table above.
Is it worth moving from South Bend to Durham?
It depends on your priorities. South Bend offers lower overall costs, but both cities have different job markets, weather, and lifestyle trade-offs. Use the comparison table above to evaluate rent, groceries, transportation, and income potential side by side based on your specific budget.
Data sourced from Zillow, BLS, Numbeo, Tax Foundation, and US Census ACS · Updated Q1 2026 · For general guidance only
Want to add more cities or compare your own salary?
Use our interactive tool to compare up to 5 cities and see how much of your take-home goes to rent.