Cincinnati, OH vs Palm Bay, FL
Moving from Cincinnati to Palm Bay? Here's what changes — from your equivalent salary to housing ($311,270 → $344,841 median home) and taxes.
Cincinnati 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 Cincinnati, OH, you'd need about $107,533 in Palm Bay, FL (+$7,533).
Livability — Cincinnati, OH: 70 · Palm Bay, FL: 66 (0–100).
What your home budget buys
A $500,000 home budget gets you about 2,651 sqft in Cincinnati vs 2,682 sqft in Palm Bay ($189 vs $186 per sqft).
Annual cost breakdown (at $100,000)
| Category | Cincinnati, OH | Palm Bay, FL | Difference |
|---|---|---|---|
| Housing | $18,900 | $23,040 | +$4,140 |
| Groceries | $4,718 | $4,813 | +$96 |
| Transportation | $3,025 | $4,800 | +$1,775 |
| Utilities | $2,100 | $1,656 | −$444 |
| Insurance | $1,300 | $4,200 | +$2,900 |
| Taxes | $8,820 | $4,459 | −$4,361 |
| Total | $38,863 | $42,968 | +$4,106 |
Side by side
| Metric | Cincinnati, OH | Palm Bay, FL |
|---|---|---|
| Cost-of-living index | 94.2 | 101.3 |
| Unemployment rate | 4.37% | 4.86% |
| Population growth (5-yr) | 4.5% | 7.5% |
| Air quality (median AQI) | 54 | 40 |
| Big Mac price (est.) | $5.36 | $5.77 |
| Median home price | $311,270 | $344,841 |
| Home price ÷ income | 4.1× | 4.8× |
| 1-yr home appreciation | 2.5% | -2.2% |
| Price per square foot | $189 | $186 |
| Median rent | $1,575 | $1,920 |
| Total tax burden (% income) | 10.0% | 9.1% |
| Combined sales tax | 7.24% | 7.02% |
| Capital gains tax | 3.50% | None |
| Property tax rate | 1.26% | 0.72% |
| Healthcare (annual) | $6,400 | $7,500 |
| Childcare (annual, infant) | $10,000 | $10,000 |
| Vehicle property tax | None | None |
| Avg commute (min) | 25 | 26 |
| Home insurance / yr | $1,300 | $4,200 |
| Auto insurance / yr | $1,300 | $2,900 |
| Flood insurance / yr | $600 | $1,400 |
| Earthquake insurance / yr | $100 | $100 |
| Electricity ¢/kWh | 19.5 | 15.4 |
| Gas $/gal | 3.25 | 3.35 |
| Violent crime /100k | 300 | 380 |
| Avg summer high °F | 85 | 91 |
| Avg winter low °F | 20 | 52 |
| Permit difficulty (1–5) | 2 | 3 |