Cost of Living: South Bend vs Springfield (2026)
Springfield has a 4% lower overall cost of living than South Bend as of Q1 2026. A one-bedroom apartment runs $950/mo in Springfield vs $1,050/mo in South Bend — a 11% difference. South Bend has a lower state income tax rate (3.2% vs 4.7%), which adds up over time.
- Springfield is 4% cheaper overall (COL index: 82 vs 79)
- 1BR rent: $950/mo in Springfield vs $1,050/mo — 10% savings
- Higher median household income: Springfield ($47,000/yr vs $47,000/yr)
- Median home price: $185,000 in Springfield vs $195,000 — 5% difference
| Category | South Bend Indiana | Springfield Missouri |
|---|---|---|
| 🏠 HousingQ1 2026 | ||
| Studio rent/mo | $850 | $750Best |
| 1BR rent/mo | $1,050 | $950Best |
| 2BR rent/mo | $1,400 | $1,250Best |
| Median home price | $195K | $185KBest |
| 🛒 Food & GroceriesQ1 2026 | ||
| Groceries index (100 = US avg) | 93Best | 93 |
| Budget meal (1 person) | $11 | $10Best |
| Mid-range dinner (2) | $46 | $44Best |
| 🚌 TransportationQ1 2026 | ||
| Monthly transit pass/mo | $42Best | $42 |
| Gas price/gal | $3.05 | $2.95Best |
| Car insurance/mo | $140Best | $145 |
| ⚡ UtilitiesQ1 2026 | ||
| Monthly utilities bundle/mo | $155Best | $155 |
| Internet/mo | $58Best | $58 |
| 💰 Income & TaxesQ1 2026 | ||
| Median household income/yr | $47KBest | $47K |
| State income tax% | 3.2%Best | 4.7% |
| Sales tax (combined)% | 7.0%Best | 8.3% |
| 🎬 LeisureQ1 2026 | ||
| Movie ticket | $13.00 | $12.00Best |
| Gym membership/mo | $30Best | $30 |
| Beer at restaurant | $4.50Best | $4.50 |
| 📊 OverviewQ1 2026 | ||
| Overall COL index (100 = US avg) | 82 | 79Best |
| Walk score / 100 | 32Best | 26 |
Frequently asked questions
Is South Bend cheaper than Springfield?
No. Springfield is 4% cheaper than South Bend based on overall cost of living indices (79 vs 82, where 100 = US average).
What is the average rent in South Bend vs Springfield?
As of Q1 2026, the median 1-bedroom rent in South Bend is $1,050/month and in Springfield is $950/month. South Bend is more expensive by 11%.
How much do I need to earn in Springfield to match a $75,000 salary in South Bend?
To maintain a similar lifestyle, you would need approximately $72,256/year in Springfield 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 Springfield?
South Bend has the lower state income tax rate at 3.2% vs 4.7%. The difference is 1.5 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 Springfield?
It depends on your priorities. Springfield 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
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