Overall
- Champaign-Urbana
- 92.7
- South Bend-Mishawaka
- 92.9
Diff +0.2 RPP
Champaign-Urbana vs South Bend-Mishawaka
Cost of living comparison based on BEA Regional Price Parities. South Bend-Mishawaka is 0.2% more expensive than Champaign-Urbana.
0.2% more expensive
South Bend-Mishawaka, IN-MI is 0.2% more expensive than Champaign-Urbana, IL on BEA Regional Price Parities (overall RPP 92.9 vs 92.7). A $100,000 salary in Champaign-Urbana buys about the same as $100,166 in South Bend-Mishawaka; the largest component gap is rents.
- Overall RPP 92.7 (Champaign-Urbana) vs 92.9 (South Bend-Mishawaka)
- $100k in Champaign-Urbana ≈ $100,166 purchasing power in South Bend-Mishawaka
- Rents drives the gap (+3.0 RPP points)
RPP parity plate
Pair IL:IN 92.7→92.9
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BOTH-BELOW · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE IL × IN
- SPLIT-BUDGET Split budget
- BOTH-BELOW Both below 100
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Champaign-Urbana
92.7
Cost Index
South Bend-Mishawaka
92.9
Cost Index
What This Comparison Actually Tells You
Champaign-Urbana, IL and South Bend-Mishawaka, IN-MI are a photo finish on overall price level, only 0.2 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Rents creates the largest separation: South Bend-Mishawaka is 3.0 points higher. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
Both metros remain below the U.S. benchmark of 100. This comparison chooses between two below-average price levels; “more expensive” here does not mean nationally expensive.
For a housing-sensitive move, validate the rent gap first: HUD Fair Market Rent and the actual unit size can overturn what the blended index implies. On the BEA ratio alone, $100,000 in Champaign-Urbana corresponds to $100,166 in South Bend-Mishawaka.
Category Breakdown
Goods
- Champaign-Urbana
- 93.6
- South Bend-Mishawaka
- 94.2
Diff +0.6 RPP
Services
- Champaign-Urbana
- 90.5
- South Bend-Mishawaka
- 87.7
Diff -2.7 RPP
Rents
- Champaign-Urbana
- 71.6
- South Bend-Mishawaka
- 74.6
Diff +3.0 RPP
| Category | Champaign-Urbana | South Bend-Mishawaka | Difference |
|---|---|---|---|
| Overall | 92.7 | 92.9 | +0.2 |
| Goods | 93.6 | 94.2 | +0.6 |
| Services | 90.5 | 87.7 | -2.7 |
| Rents | 71.6 | 74.6 | +3.0 |
Visual Comparison
Overall
Champaign-Urbana 92.7
South Bend-Mishawaka 92.9
Goods
Champaign-Urbana 93.6
South Bend-Mishawaka 94.2
Services
Champaign-Urbana 90.5
South Bend-Mishawaka 87.7
Rents
Champaign-Urbana 71.6
South Bend-Mishawaka 74.6
Vertical line = national average (100)
Salary Equivalents
What a salary in Champaign-Urbana would need to be in South Bend-Mishawaka for the same purchasing power:
| In Champaign-Urbana | In South Bend-Mishawaka | Difference |
|---|---|---|
| $50,000 | $50,083 | +$83 |
| $75,000 | $75,125 | +$125 |
| $100,000 | $100,166 | +$166 |
| $150,000 | $150,249 | +$249 |
$ in Champaign-Urbana = in South Bend-Mishawaka
Same BEA Regional Price Parity ratio as the table above (92.7 → 92.9), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is South Bend-Mishawaka more expensive than Champaign-Urbana?
South Bend-Mishawaka is 0.2% more expensive than Champaign-Urbana. The overall cost index is 92.9 vs 92.7 (national average = 100).
What salary in South Bend-Mishawaka equals $100K in Champaign-Urbana?
A $100,000 salary in Champaign-Urbana has the same purchasing power as $100,166 in South Bend-Mishawaka. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Champaign-Urbana and South Bend-Mishawaka?
Rents in Champaign-Urbana are indexed at 71.6 while South Bend-Mishawaka is at 74.6 (national average = 100). South Bend-Mishawaka has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.