Overall
- Chicago-Naperville-Elgin
- 103.6
- South Bend-Mishawaka
- 92.9
Diff -10.7 RPP
Chicago-Naperville-Elgin vs South Bend-Mishawaka
Cost of living comparison based on BEA Regional Price Parities. South Bend-Mishawaka is 10.4% less expensive than Chicago-Naperville-Elgin.
10.4% less expensive
South Bend-Mishawaka, IN-MI is 10.4% less expensive than Chicago-Naperville-Elgin, IL-IN on BEA Regional Price Parities (overall RPP 92.9 vs 103.6). A $100,000 salary in Chicago-Naperville-Elgin buys about the same as $89,636 in South Bend-Mishawaka; the largest component gap is rents.
- Overall RPP 103.6 (Chicago-Naperville-Elgin) vs 92.9 (South Bend-Mishawaka)
- $100k in Chicago-Naperville-Elgin ≈ $89,636 purchasing power in South Bend-Mishawaka
- Rents drives the gap (-37.4 RPP points)
RPP parity plate
Pair IL:IN 103.6→92.9
TIER-GAP · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-SHIFT
- TIER-GAP Clear tier gap
- CROSS-STATE IL × IN
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- PP-SHIFT PP shift
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.
Category Breakdown
Goods
- Chicago-Naperville-Elgin
- 107.3
- South Bend-Mishawaka
- 94.2
Diff -13.0 RPP
Services
- South Bend-Mishawaka
- 87.7
Diff +4.2 RPP
Rents
- Chicago-Naperville-Elgin
- 112.0
- South Bend-Mishawaka
- 74.6
Diff -37.4 RPP
| Category | Chicago-Naperville-Elgin | South Bend-Mishawaka | Difference |
|---|---|---|---|
| Overall | 103.6 | 92.9 | -10.7 |
| Goods | 107.3 | 94.2 | -13.0 |
| Services | 83.6 | 87.7 | +4.2 |
| Rents | 112.0 | 74.6 | -37.4 |
Visual Comparison
Overall
Chicago-Naperville-Elgin 103.6
South Bend-Mishawaka 92.9
Goods
Chicago-Naperville-Elgin 107.3
South Bend-Mishawaka 94.2
Services
Chicago-Naperville-Elgin 83.6
South Bend-Mishawaka 87.7
Rents
Chicago-Naperville-Elgin 112.0
South Bend-Mishawaka 74.6
Vertical line = national average (100)
What This Comparison Actually Tells You
Rents creates the largest separation: South Bend-Mishawaka is 37.4 points lower. But services move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Chicago-Naperville-Elgin, IL-IN and South Bend-Mishawaka, IN-MI sit in clearly different price tiers, separated by 10.7 RPP points. At this distance, treating the same nominal salary as equivalent would materially change purchasing power.
This route crosses the national benchmark: Chicago-Naperville-Elgin is above 100 while South Bend-Mishawaka is below it. That makes the move a change of price regime, not merely a rank swap.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
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 Chicago-Naperville-Elgin corresponds to $89,636 in South Bend-Mishawaka.
Chicago-Naperville-Elgin
103.6
Cost Index
South Bend-Mishawaka
92.9
Cost Index
Salary Equivalents
What a salary in Chicago-Naperville-Elgin would need to be in South Bend-Mishawaka for the same purchasing power:
| In Chicago-Naperville-Elgin | In South Bend-Mishawaka | Difference |
|---|---|---|
| $50,000 | $44,818 | $-5,182 |
| $75,000 | $67,227 | $-7,773 |
| $100,000 | $89,636 | $-10,364 |
| $150,000 | $134,453 | $-15,547 |
$ in Chicago-Naperville-Elgin = in South Bend-Mishawaka
Same BEA Regional Price Parity ratio as the table above (103.6 → 92.9), computed live from your number, nothing is sent anywhere.
How the Price Gap Changed
Chicago-Naperville-Elgin and South Bend-Mishawaka share 17 published annual releases from 2008 through 2024. Their overall gap narrowed, moving from 13.0 to 10.7 RPP points. Chicago-Naperville-Elgin remained the higher-index metro in the latest release.
Rents changed the most within this pair: its gap moved 11.6 points between the first and latest shared releases (49.0 to 37.4 points). This describes a relative price-index history, not a forecast or a household budget.
| Release Year | Chicago-Naperville-Elgin RPP | South Bend-Mishawaka RPP | Relative Gap |
|---|---|---|---|
| 2008 | 105.4 | 92.4 | 13.0 points Chicago-Naperville-Elgin higher |
| 2012 | 105.1 | 90.4 | 14.7 points Chicago-Naperville-Elgin higher |
| 2016 | 103.8 | 91.4 | 12.4 points Chicago-Naperville-Elgin higher |
| 2020 | 104.5 | 91.5 | 12.9 points Chicago-Naperville-Elgin higher |
| 2024 | 103.6 | 92.9 | 10.7 points Chicago-Naperville-Elgin higher |
Annual BEA Regional Price Parity releases; a higher index means a higher price level relative to the national average of 100. Selected years shown from the full shared series.
Frequently Asked Questions
Is South Bend-Mishawaka more expensive than Chicago-Naperville-Elgin?
South Bend-Mishawaka is 10.4% less expensive than Chicago-Naperville-Elgin. The overall cost index is 92.9 vs 103.6 (national average = 100).
What salary in South Bend-Mishawaka equals $100K in Chicago-Naperville-Elgin?
A $100,000 salary in Chicago-Naperville-Elgin has the same purchasing power as $89,636 in South Bend-Mishawaka. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Chicago-Naperville-Elgin and South Bend-Mishawaka?
Rents in Chicago-Naperville-Elgin are indexed at 112.0 while South Bend-Mishawaka is at 74.6 (national average = 100). Chicago-Naperville-Elgin 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.