Calculate your take-home pay in South Bend (St. Joseph County), Indiana including the 1.75% local income tax on top of Indiana's 2.95% state rate.
| Salary | City Tax | Take-Home (with city tax) | Take-Home (without) | City Tax Cost/Month |
|---|---|---|---|---|
| $50,000 | $875 | $40,005 | $40,880 | $73 |
| $75,000 | $1,313 | $58,013 | $59,325 | $109 |
| $100,000 | $1,750 | $74,425 | $76,175 | $146 |
| $125,000 | $2,188 | $90,789 | $92,976 | $182 |
| $150,000 | $2,625 | $106,701 | $109,326 | $219 |
| $200,000 | $3,500 | $139,487 | $142,987 | $292 |
South Bend (St. Joseph County) levies a 1.75% local income tax on residents. This is in addition to Indiana's 2.95% state income tax, bringing the combined state and local rate to 4.70%.
Home of Notre Dame, with a county rate of 1.75%.
The local tax applies to earned income including wages, salaries, and in most cases net self-employment income. Investment income, pensions, and Social Security are typically exempt from local income taxes.
The 1.75% local tax is applied on top of Indiana's 2.95% state income tax and federal income tax. On a $100,000 salary, South Bend (St. Joseph County)'s local tax costs approximately $1,750/year — that's $146/month or $67 per biweekly paycheck.
This tax applies only to South Bend (St. Joseph County) residents. If you work in South Bend (St. Joseph County) but live elsewhere, you are not subject to this local tax. This creates a significant financial incentive to live outside city limits while commuting in for work.
South Bend (St. Joseph County) charges a 1.75% local income tax. On a $100,000 salary, this costs approximately $1,750/year. This tax applies to residents only.
Yes. South Bend (St. Joseph County)'s tax only applies to residents. If you live outside city limits and commute in, you don't owe the local tax.
Including Indiana's 2.95% state rate, South Bend (St. Joseph County)'s 1.75% local rate, and federal taxes, a $100K earner pays an effective rate of approximately 25.6%.
Yes, local income taxes are deductible as part of your state and local tax (SALT) deduction if you itemize. However, the SALT deduction is capped at $10,000 ($5,000 for married filing separately), which limits the benefit for many taxpayers.