$15 per hour is a poverty wage? In South Bend? That's ridiculous.
Family Size: |48 Contiguous States & D.C.:| Alaska:| Hawaii:
1| $12,760| $15,950| $14,680
2| $17,240| $21,550| $19,830
3| $21,720| $27,150| $24,980
4| $26,200| $32,750| $30,130
Cost of living table:
COST OF LIVING| South Bend| Indiana| USA
Overall| 68.4| 82.1| 100
In other words, if you're living single in South Bend making $15 per hour, you are grossing 2.5 times the poverty index. Adjusted for Cost of Living, make that nearly 4 times.
I found a 4 bedroom McMansion lite for $215,000 in South Bend. With a mortgage of $1152, that would give a $15-per-hour full-time worker a debt-to-income ratio of 50% if they didn't have any student loans. They could stretch and just swing it, and with a dual income household it would be totally doable.