Is San Antonio, TX cheaper than South Bend, IN?

Based on cost of living data, San Antonio, TX is 0.4% more expensive than South Bend, IN. The two cities have very similar living costs.

What salary do I need in San Antonio, TX to live like I do in South Bend, IN?

If you earn $150,000 in South Bend, IN, you'd need approximately $150,393.527 in San Antonio, TX to maintain the same standard of living.

How does housing cost compare between South Bend, IN and San Antonio, TX?

Housing in San Antonio, TX is 5.7% more expensive than in South Bend, IN. For a two-bedroom apartment, rent is $1,470/month in San Antonio, TX compared to $1,354/month in South Bend, IN.

How much can I save per month by moving from South Bend, IN to San Antonio, TX?

South Bend, IN and San Antonio, TX have very similar costs of living, based on a $150,000 salary.

South Bend, IN vs San Antonio, TX: Cost of Living Comparison 2026

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Cost of Living Comparison 2026

📍 South Bend, IN — ZIP-level rent data · COL adjusted from Fort Wayne, IN area

Current salary in South Bend, IN

Numbers update automatically as you type

You'd spend $32.79/month more in San Antonio, TX

$150.0K in your current city equals $150.4K in San Antonio, TX

Rent data from HUD ZIP-level estimates · COL index from area

Overall Cost

↑ 0.4%

More expensive

Monthly Impact

$32.79

Extra cost

Annual Impact

$394

Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

South Bend, IN

Population:103K

Cost Index:100

Median Home:$166K

San Antonio, TX

Population:1547K

Cost Index:100

Median Home:$215K

South Bend, IN

The Hoosier State

103K

Population

State Tax

Yes

Located in Indiana, this city has a population of 103K residents.

San Antonio, TX

The Lone Star State

1.5M

Population

State Tax

No Income Tax

Located in Texas, this city has a population of 1.5M residents.

💡 Advantage: Texas has no state income tax!

Cost Breakdown by Category

Annual spending: South Bend, IN vs San Antonio, TX

Category	South Bend, IN	San Antonio, TX	Difference	Change
🏠Housing	$1,986/mo	$2,100/mo	↑ $114more	5.7%
🏥Healthcare	$608/mo	$527/mo	↓ $81.85less	13.5%
🛒Groceries	$961/mo	$913/mo	↓ $47.18less	4.9%
⚡All Utilities	$525/mo	$496/mo	↓ $29.63less	5.6%
📦Other	$1,626/mo	$1,647/mo	↑ $20.87more	1.3%
🚗Transportation	$1,297/mo	$1,287/mo	↓ $10.52less	0.8%

🏠Housing

↑ 5.7%

South Bend, IN

$1,986

San Antonio, TX

$2,100

Difference

$114

🏥Healthcare

↓ 13.5%

South Bend, IN

$608

San Antonio, TX

$527

Difference

$81.85

less

🛒Groceries

↓ 4.9%

South Bend, IN

$961

San Antonio, TX

$913

Difference

$47.18

less

⚡All Utilities

↓ 5.6%

South Bend, IN

$525

San Antonio, TX

$496

Difference

$29.63

less

📦Other

↑ 1.3%

South Bend, IN

$1,626

San Antonio, TX

$1,647

Difference

$20.87

🚗Transportation

↓ 0.8%

South Bend, IN

$1,297

San Antonio, TX

$1,287

Difference

$10.52

less

🏛️ Local Income Taxes

South Bend, IN: St. Joseph County Income Tax$2,625/yr (1.8%)

San Antonio, TX has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio

From$939

To$1,110

↑ $171

1 Bed

From$1,157

To$1,210

↑ $53.00

2 Bed

From$1,354

To$1,470

↑ $116

3 Bed

From$1,643

To$1,890

↑ $247

South Bend, INZIP-level data

1BR range: $910–$1,520/mo

San Antonio, TXZIP-level data

1BR range: $840–$1,770/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$7,004

Monthly in South Bend, IN

$6,969

Monthly in San Antonio, TX

$34.31

Difference

Home Values

South Bend

San Antonio

$166K

Median Value

$215K

↑ +3.6%

YoY Change

↓ -2.9%

↑ +52.8%

5-Year Change

↑ +16.7%

$102K - $297K

Price Range

$107K - $905K

Homes in San Antonio are 30% more expensive than South Bend

Calculate payment - South Bend Calculate payment - San Antonio

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings

↑ $4.8K

Per year

Monthly Difference

$404

More take-home

Effective Rate Diff

3.2%

Rate difference

South Bend, IN

Federal Income Tax

Effective: 18.9%

$25.5K

Indiana State Tax

Effective: 3.2%

$4.8K

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 27.9%

$41.9K

Take-Home Pay

$9,012/month

$108.1K

San Antonio, TX

Federal Income Tax

Effective: 18.9%

$25.5K

Texas State Tax

No state income tax

FICA Taxes

Social Security + Medicare

$11.5K

Total Taxes

Effective: 24.7%

$37.0K

Take-Home Pay

$9,416/month

$113.0K

Additional Tax Information

South Bend, IN Tax Rates

Sales Tax:7.0%

Property Tax:0.9%

San Antonio, TX Tax Rates

Sales Tax:8.2%

Property Tax:1.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.