South Bend-Mishawaka, IN-MI

Reading the South Bend Life Score

South Bend's composite score of 55.2 out of 100 — earning a grade of C- — places the metro at rank #117 of 387 in the national file, inside the top 70%. The composite is a weighted roll-up of seven dimensions: Cost of Living (20%), Wages (20%), Rent (15%), Safety (15%), Schools (10%), Childcare (10%) and Environment (10%), each normalized to a 0-100 percentile scale. The strongest inputs are Environment (84/100) and Schools (57/100), which pull the composite upward, while Wages (46/100) and Safety (50/100) drag it downward. Because the weights are fixed, a metro that scores high on the 20%-weighted cost and wage dimensions can absorb mediocre scores elsewhere and still land a high composite — and vice versa.

Under the cost layer, BEA Regional Price Parities read 92.9 for South Bend — 7.1% below the U.S. average, with rent-specific RPP at 74.6. BLS wage records do not match this metro in the latest OES cycle. HUD's 2-bedroom Fair Market Rent for the metro comes in at $1,292/mo (studios $898/mo), the figure that governs housing-choice voucher payment standards and anchors the rent sub-score.

Safety is scored from FBI UCR at the state tier (IN), which reads 308 violent crimes per 100,000 residents and 1321 property crimes per 100,000 — state-level crime always overstates rural-county risk and understates urban-core risk inside a single metro, so the safety score should be read as a regional baseline, not a street-level reading. School quality rolls up from NCES at 16.1:1 statewide student-teacher ratio with 6.5% charter share — a structural signal, not a performance measure. Environment draws on EPA records including 53 Superfund sites tracked for IN. Compared against ranks #114 through #120 in the table below, South Bend's position is driven by the dimension weights above — not by any single metric — which is why the radar and sub-scores are worth more attention than the composite.