South Bend, IN vs Carmel, IN
Side-by-side fiscal comparison · U.S. Census Bureau data (2023)
Summary
South Bend spends 117.9% more per capita than Carmel ($19,330/person difference). Carmel, IN has the stronger Fiscal Health Score (C, 56/100).
Fiscal Health Score
D
48/100
Budget Balance33
Debt Burden100
Pension Funding76
Spending Efficiency0
Revenue Diversity0
Trend Direction50
C
56/100
Budget Balance100
Debt Burden0
Pension Funding76
Spending Efficiency74
Revenue Diversity0
Trend Direction50
Key Metrics
Metric
South Bend
Carmel
Total Spending
$3.7B
$1.6B
Spending / Capita
$35,719
$16,389
Total Revenue
$1.9B
$9.0B
Revenue / Capita
$18,281
$90,764
Total Debt
$29.7M
$84.1M
Debt / Capita
$288
$846
Population
103,084
99,453
Gov Employees / 10K
0.0
0.0
Avg Gov Salary
$0
$0
Per Capita Spending by Department
Fire Protection
South Bend$2,100
Carmel$166
Highways & Roads
South Bend$2
Carmel$354
Parks & Recreation
South Bend$1,973
Carmel$1,484
Revenue Breakdown (Per Capita)
South BendCarmel
| Property Tax | $10 | $0 |
| Sales Tax | $759 | $1,264 |
| Income Tax | $955 | $0 |
| Intergovernmental | $18,281 | $90,764 |
| Charges & Fees | $2,775 | $5,500 |
| Other | $6,625 | $2,404 |
Spending Breakdown (Per Capita)
South BendCarmel
| Fire Protection | $2,100 | $166 |
| Highways & Roads | $2 | $354 |
| Public Welfare | $1,509 | $1,885 |
| Hospitals | $800 | $1,121 |
| Parks & Recreation | $1,973 | $1,484 |
| Housing | $2,520 | $2,696 |
| Sewerage | $348 | $0 |
| Utilities | $1,910 | $1,251 |
| Interest on Debt | $1,088 | $0 |
| Other | $23,468 | $7,432 |
D
South Bend, IN
Fiscal Health Score: 48/100
Below average fiscal health
C
Carmel, IN
Fiscal Health Score: 56/100
Average fiscal health