South Bend IN vs Surprise AZ — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
South Bend, IN
Indiana · Population: 102,866
- Median HH Income$52,512
- Median Home Price$194,972
- Unemployment6.0%
- Bachelor's+29.4%
Surprise, AZ
Arizona · Population: 149,519
- Median HH Income$93,371
- Median Home Price$422,520
- Unemployment4.2%
- Bachelor's+31.0%
Detailed Comparison
Demographics
Population
South Bend
102,866
Surprise
149,519
Surprise +
Pop. Density / sq mi
Lower = more space
South Bend
N/A
Surprise
N/A
Median Age
South Bend
33.9
South Bend +
Surprise
41.6
Foreign Born
South Bend
8.9%
South Bend +
Surprise
6.8%
White
South Bend
54.1%
Surprise
75.0%
Surprise +
Black
South Bend
24.4%
South Bend +
Surprise
4.8%
Asian
South Bend
1.7%
Surprise
2.6%
Surprise +
Hispanic
South Bend
17.3%
Surprise
19.2%
Surprise +
Spanish at Home
South Bend
N/A
Surprise
N/A
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Population | 102,866 | 149,519 | Surprise + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.9 | 41.6 | South Bend + |
| Foreign Born | 8.9% | 6.8% | South Bend + |
| White | 54.1% | 75.0% | Surprise + |
| Black | 24.4% | 4.8% | South Bend + |
| Asian | 1.7% | 2.6% | Surprise + |
| Hispanic | 17.3% | 19.2% | Surprise + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
South Bend
$52,512
Surprise
$93,371
Surprise +
Per Capita Income
South Bend
$29,511
Surprise
$39,604
Surprise +
Per Capita Personal Income (MSA)
BEA MSA-level
South Bend
$58,697
Surprise
$59,120
Surprise +
Unemployment Rate
South Bend
6.0%
Surprise
4.2%
Surprise +
Poverty Rate
South Bend
22.6%
Surprise
7.8%
Surprise +
Bachelor's Degree+
South Bend
29.4%
Surprise
31.0%
Surprise +
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Median HH Income | $52,512 | $93,371 | Surprise + |
| Per Capita Income | $29,511 | $39,604 | Surprise + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,697 | $59,120 | Surprise + |
| Unemployment Rate | 6.0% | 4.2% | Surprise + |
| Poverty Rate | 22.6% | 7.8% | Surprise + |
| Bachelor's Degree+ | 29.4% | 31.0% | Surprise + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
South Bend
$194,972
South Bend +
Surprise
$422,520
Homeownership Rate
South Bend
58.8%
Surprise
79.0%
Surprise +
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $194,972 | $422,520 | South Bend + |
| Homeownership Rate | 58.8% | 79.0% | Surprise + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
South Bend
370
South Bend +
Surprise
450
Property Crime / 100K
FBI CDE (state-level est.)
South Bend
1719
South Bend +
Surprise
2150
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 370 | 450 | South Bend + |
| Property Crime / 100KFBI CDE (state-level est.) | 1719 | 2150 | South Bend + |
Health
Obesity Rate
CDC PLACES
South Bend
39.7%
Surprise
29.4%
Surprise +
Diabetes Rate
CDC PLACES
South Bend
15.2%
Surprise
11.2%
Surprise +
Poor Mental Health
CDC PLACES — 14+ days/month
South Bend
20.3%
Surprise
14.2%
Surprise +
No Health Insurance
CDC PLACES
South Bend
12.6%
Surprise
10.5%
Surprise +
Binge Drinking
CDC PLACES
South Bend
15.3%
Surprise
14.9%
Surprise +
Current Smokers
CDC PLACES
South Bend
18.2%
Surprise
10.4%
Surprise +
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 39.7% | 29.4% | Surprise + |
| Diabetes RateCDC PLACES | 15.2% | 11.2% | Surprise + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 20.3% | 14.2% | Surprise + |
| No Health InsuranceCDC PLACES | 12.6% | 10.5% | Surprise + |
| Binge DrinkingCDC PLACES | 15.3% | 14.9% | Surprise + |
| Current SmokersCDC PLACES | 18.2% | 10.4% | Surprise + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
South Bend
49.8°F
Surprise
N/A
Annual Precipitation
NOAA 1991–2020 normal
South Bend
38.0 in
Surprise
N/A
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 49.8°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 38.0 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
South Bend
10.1 µg/m³
Surprise
7.1 µg/m³
Surprise +
Good Air Days
AQI ≤ 50
South Bend
55.0%
Surprise
75.0%
Surprise +
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 10.1 µg/m³ | 7.1 µg/m³ | Surprise + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Surprise + |
Commute
Mean Commute Time
Census ACS
South Bend
21.6 min
South Bend +
Surprise
32.8 min
| Metric | South Bend, IN | Surprise, AZ | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 21.6 min | 32.8 min | South Bend + |
Which City is Right for You?
Surprise leads in median household income at $93,371, while south Bend offers more affordable housing with a median home price of $194,972. On public safety, South Bend is safer with a violent crime rate of 370 per 100,000 residents, compared to 450 in Surprise. Surprise has a lower unemployment rate at 4.2%, and Surprise has cleaner air (PM2.5 avg 7.1 µg/m³). For overall health outcomes, Surprise scores better with a lower obesity rate of 29.4%.
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