Cambridge MA vs South Bend IN — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Cambridge, MA
Massachusetts · Population: 117,794
- Median HH Income$126,469
- Median Home Price$1,041,988
- Unemployment3.4%
- Bachelor's+80.2%
South Bend, IN
Indiana · Population: 102,866
- Median HH Income$52,512
- Median Home Price$194,972
- Unemployment6.0%
- Bachelor's+29.4%
Detailed Comparison
Demographics
Population
Cambridge
117,794
Cambridge +
South Bend
102,866
Pop. Density / sq mi
Lower = more space
Cambridge
N/A
South Bend
N/A
Median Age
Cambridge
30.5
Cambridge +
South Bend
33.9
Foreign Born
Cambridge
28.8%
Cambridge +
South Bend
8.9%
White
Cambridge
57.5%
Cambridge +
South Bend
54.1%
Black
Cambridge
10.5%
South Bend
24.4%
South Bend +
Asian
Cambridge
19.7%
Cambridge +
South Bend
1.7%
Hispanic
Cambridge
8.9%
South Bend
17.3%
South Bend +
Spanish at Home
Cambridge
N/A
South Bend
N/A
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Population | 117,794 | 102,866 | Cambridge + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 30.5 | 33.9 | Cambridge + |
| Foreign Born | 28.8% | 8.9% | Cambridge + |
| White | 57.5% | 54.1% | Cambridge + |
| Black | 10.5% | 24.4% | South Bend + |
| Asian | 19.7% | 1.7% | Cambridge + |
| Hispanic | 8.9% | 17.3% | South Bend + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Cambridge
$126,469
Cambridge +
South Bend
$52,512
Per Capita Income
Cambridge
$76,789
Cambridge +
South Bend
$29,511
Per Capita Personal Income (MSA)
BEA MSA-level
Cambridge
$85,405
Cambridge +
South Bend
$58,697
Unemployment Rate
Cambridge
3.4%
Cambridge +
South Bend
6.0%
Poverty Rate
Cambridge
12.4%
Cambridge +
South Bend
22.6%
Bachelor's Degree+
Cambridge
80.2%
Cambridge +
South Bend
29.4%
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Median HH Income | $126,469 | $52,512 | Cambridge + |
| Per Capita Income | $76,789 | $29,511 | Cambridge + |
| Per Capita Personal Income (MSA)BEA MSA-level | $85,405 | $58,697 | Cambridge + |
| Unemployment Rate | 3.4% | 6.0% | Cambridge + |
| Poverty Rate | 12.4% | 22.6% | Cambridge + |
| Bachelor's Degree+ | 80.2% | 29.4% | Cambridge + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Cambridge
$1,041,988
South Bend
$194,972
South Bend +
Homeownership Rate
Cambridge
33.7%
South Bend
58.8%
South Bend +
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $1,041,988 | $194,972 | South Bend + |
| Homeownership Rate | 33.7% | 58.8% | South Bend + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Cambridge
326
Cambridge +
South Bend
370
Property Crime / 100K
FBI CDE (state-level est.)
Cambridge
1086
Cambridge +
South Bend
1719
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 326 | 370 | Cambridge + |
| Property Crime / 100KFBI CDE (state-level est.) | 1086 | 1719 | Cambridge + |
Health
Obesity Rate
CDC PLACES
Cambridge
21.9%
Cambridge +
South Bend
39.7%
Diabetes Rate
CDC PLACES
Cambridge
5.9%
Cambridge +
South Bend
15.2%
Poor Mental Health
CDC PLACES — 14+ days/month
Cambridge
16.0%
Cambridge +
South Bend
20.3%
No Health Insurance
CDC PLACES
Cambridge
3.8%
Cambridge +
South Bend
12.6%
Binge Drinking
CDC PLACES
Cambridge
18.5%
South Bend
15.3%
South Bend +
Current Smokers
CDC PLACES
Cambridge
7.1%
Cambridge +
South Bend
18.2%
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 21.9% | 39.7% | Cambridge + |
| Diabetes RateCDC PLACES | 5.9% | 15.2% | Cambridge + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 20.3% | Cambridge + |
| No Health InsuranceCDC PLACES | 3.8% | 12.6% | Cambridge + |
| Binge DrinkingCDC PLACES | 18.5% | 15.3% | South Bend + |
| Current SmokersCDC PLACES | 7.1% | 18.2% | Cambridge + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Cambridge
N/A
South Bend
49.8°F
Annual Precipitation
NOAA 1991–2020 normal
Cambridge
N/A
South Bend
38.0 in
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 49.8°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 38.0 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Cambridge
7.2 µg/m³
Cambridge +
South Bend
10.1 µg/m³
Good Air Days
AQI ≤ 50
Cambridge
75.0%
Cambridge +
South Bend
55.0%
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 10.1 µg/m³ | Cambridge + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Cambridge + |
Commute
Mean Commute Time
Census ACS
Cambridge
28.3 min
South Bend
21.6 min
South Bend +
| Metric | Cambridge, MA | South Bend, IN | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 28.3 min | 21.6 min | South Bend + |
Which City is Right for You?
Cambridge leads in median household income at $126,469, while south Bend offers more affordable housing with a median home price of $194,972. On public safety, Cambridge is safer with a violent crime rate of 326 per 100,000 residents, compared to 370 in South Bend. Cambridge has a lower unemployment rate at 3.4%, and Cambridge has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Cambridge scores better with a lower obesity rate of 21.9%.
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