Most of South Bend is in St. Joseph County, where a full-time job needs to pay at least $27.74 an hour before taxes to take home four times the typical studio rent.
Across the 14 ZIP codes in South Bend with HUD rent figures, studio rents run from $810 to $1,300 a month. At the middle rent, $920, a full-time job would need to pay $28.23 an hour before taxes.
What the standard would be at each ZIP code's own studio rent. The calculator and the official standard use the county figure.
| ZIP | County | Studio rent | Pay needed |
|---|---|---|---|
| 46601 | St. Joseph County | $810/mo | $24.68/hr |
| 46613 | St. Joseph County | $900/mo | $27.58/hr |
| 46614 | St. Joseph County | $810/mo | $24.68/hr |
| 46615 | St. Joseph County | $870/mo | $26.61/hr |
| 46616 | St. Joseph County | $940/mo | $28.87/hr |
| 46617 | St. Joseph County | $1,300/mo | $41.37/hr |
| 46619 | St. Joseph County | $870/mo | $26.61/hr |
| 46624 | St. Joseph County | $890/mo | $27.26/hr |
| 46628 | St. Joseph County | $960/mo | $29.52/hr |
| 46634 | St. Joseph County | $940/mo | $28.87/hr |
| 46635 | St. Joseph County | $850/mo | $25.97/hr |
| 46637 | St. Joseph County | $1,040/mo | $32.10/hr |
| 46660 | St. Joseph County | $940/mo | $28.87/hr |
| 46680 | St. Joseph County | $940/mo | $28.87/hr |
Under the Four Times Rent standard, a full-time job in South Bend needs to pay at least $27.74 an hour before taxes, about $57,708 a year. That is the figure for St. Joseph County, where the typical studio rent is $905 a month.
Yes. Across the 14 ZIP codes in South Bend with HUD rent figures, studio rents run from $810 to $1,300 a month. At the middle rent of $920, the pay needed would be $28.23 an hour.
The minimum wage in St. Joseph County is $7.25 an hour. The Four Times Rent standard there is 3.8 times that.
The Four Times Rent standard: a month of full-time work (160 hours) should take home at least four times the typical rent on a studio apartment in the county where the work is done. Rents: HUD FY2027 Fair Market Rents. Taxes: 2026 federal and state income taxes plus Social Security and Medicare, for a single filer. Why four times rent? · Method and data downloads