Cost of Living: Irving, TX vs Palm Bay, FL (2026)

Irving

Texas
102
VS

Palm Bay

Florida
91

Irving is 12% more expensive than Palm Bay.

$1,517/mo ↑ 2%
Median Rent
$1,487/mo ↓ 2%
$79,641/yr ↑ 18%
Median Income
$67,521/yr ↓ 15%
$287,300 ↑ 16%
Home Value
$248,000 ↓ 14%
$1,521/mo ↑ 26%
Owner Costs
$1,203/mo ↓ 21%
255,036
Population
125,273

Tax Comparison

0%
Income Tax
0%
6.25%
State Sales Tax
6.0%
1.6%
Property Tax
0.86%

Affordability

22.9%
rent-to-income
Affordability
26.4%
rent-to-income

Detailed Comparison

When comparing Irving, TX and Palm Bay, FL, the overall cost of living indices are 102 and 91 respectively (national median = 100). Rent is comparable in both cities, with less than $50/month separating them.

Median household income is $12,120/year higher in Irving. Home values also differ significantly — the median in Irving is $287,300 compared to $248,000 in Palm Bay.

Frequently Asked Questions

Irving vs Palm Bay — common questions

Is Irving or Palm Bay cheaper to live in?
Based on our cost index, Palm Bay is cheaper to live in with an index of 91 compared to 102 (US average = 100).
What is the rent difference between Irving and Palm Bay?
Median rent in Irving is $1,517/month and in Palm Bay it's $1,487/month — a difference of $30/month.
Which city has higher income, Irving or Palm Bay?
Median household income is $79,641 in Irving and $67,521 in Palm Bay. Median household income is $12,120/year higher in Irving.
How do taxes compare between Texas and Florida?
Texas has 0% income tax, 6.25% sales tax, and 1.6% property tax. Florida has 0% income tax, 6.0% sales tax, and 0.86% property tax.
Should I move to Irving or Palm Bay?
It depends on your priorities. Irving has a cost index of 102 with median rent of $1,517/mo, while Palm Bay has a cost index of 91 with rent of $1,487/mo. Consider income potential, tax burden, and lifestyle preferences alongside raw cost data.
View Irving details → View Palm Bay details →

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