Residential comparison · 13 facts
Carmel, IN vs South Bend, IN
Compare the housing, tax, cost, income, safety, school, and climate facts that are available for both places. The table shows the numbers without declaring one city universally better.
A household earning $85,000 in Carmel needs about $75,000 in South Bend to keep the same lifestyle.
Coming from South Bend, $85,000 of lifestyle costs about $95,000 in Carmel.
A few differences
- Carmel is higher on median household income ($141,505 vs $55,786).
- South Bend is lower on cost of living index (77 vs 106).
- South Bend is lower on 2-bedroom rent ($1,035/mo vs $1,719/mo).
Carmel vs South Bend · facet by facet
| Facet | Carmel, IN | South Bend, IN |
|---|---|---|
| Median home price | $486,800 | $140,400 |
| 2-bedroom rent | $1,719/mo | $1,035/mo |
| Property tax rate | 0.83% | 0.83% |
| State & local income tax | 4.15% | 4.8% |
| Sales tax | 7% | 7% |
| Cost of living index | 106 | 77 |
| Groceries index | 95 | 95 |
| Utilities | $165/mo | $165/mo |
| Median household income | $141,505 | $55,786 |
| Unemployment rate | 3.6% | 3.6% |
| Crime index | 45/100 | 45/100 |
| School rating | 5.8/10 | 5.8/10 |
| Sunny days / year | 190 days | 190 days |
Data: Census ACS 2024 · BLS · Tax Foundation 2024 brackets · HUD/Zillow · NOAA 1991–2020 · FEMA NRI · Values are shown as reported; no universal winner is implied.
Full profiles: Carmel, IN · South Bend, IN
Questions & answers
- Is Carmel cheaper than South Bend?
- South Bend has the lower day-to-day cost index (77 vs 106 against a national 100). The other differences are shown facet by facet in the table.
- What household income in South Bend equals $85,000 in Carmel?
- A household earning $85,000 in Carmel needs about $75,000 in South Bend to keep the same lifestyle; coming the other way, $85,000 of South Bend lifestyle costs about $95,000 in Carmel.