Baltimore, MD vs Palm Bay, FL
Moving from Baltimore to Palm Bay? Here's what changes — from your equivalent salary to housing ($405,877 → $344,841 median home) and taxes.
Baltimore vs Palm Bay at a glance
Bars scaled to the range across all 200 metros; labels show actual values.
To keep the same standard of living as $100,000 in Baltimore, MD, you'd need about $98,195 in Palm Bay, FL (−$1,805).
Livability — Baltimore, MD: 57 · Palm Bay, FL: 66 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,341 sqft in Baltimore vs 2,682 sqft in Palm Bay ($214 vs $186 per sqft).
Annual cost breakdown (at $100,000)
| Category | Baltimore, MD | Palm Bay, FL | Difference |
|---|---|---|---|
| Housing | $23,028 | $23,040 | +$12 |
| Groceries | $5,075 | $4,813 | −$262 |
| Transportation | $3,685 | $4,800 | +$1,115 |
| Utilities | $2,388 | $1,656 | −$732 |
| Insurance | $1,400 | $4,200 | +$2,800 |
| Taxes | $11,584 | $4,459 | −$7,125 |
| Total | $47,160 | $42,968 | −$4,192 |
Side by side
| Metric | Baltimore, MD | Palm Bay, FL |
|---|---|---|
| Cost-of-living index | 103.2 | 101.3 |
| Unemployment rate | 4.86% | 4.86% |
| Population growth (5-yr) | 1.7% | 7.5% |
| Air quality (median AQI) | 47 | 40 |
| Big Mac price (est.) | $5.87 | $5.77 |
| Median home price | $405,877 | $344,841 |
| Home price ÷ income | 4.3× | 4.8× |
| 1-yr home appreciation | 0.8% | -2.2% |
| Price per square foot | $214 | $186 |
| Median rent | $1,919 | $1,920 |
| Total tax burden (% income) | 11.3% | 9.1% |
| Combined sales tax | 6.00% | 7.02% |
| Capital gains tax | 5.75% | None |
| Property tax rate | 1.04% | 0.72% |
| Healthcare (annual) | $7,200 | $7,500 |
| Childcare (annual, infant) | $16,000 | $10,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 30 | 26 |
| Home insurance / yr | $1,400 | $4,200 |
| Auto insurance / yr | $1,900 | $2,900 |
| Flood insurance / yr | $750 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 22.1 | 15.4 |
| Gas $/gal | 3.30 | 3.35 |
| Violent crime /100k | 450 | 380 |
| Avg summer high °F | 88 | 91 |
| Avg winter low °F | 27 | 52 |
| Permit difficulty (1–5) | 4 | 3 |