Miami vs Palm Bay leftover
You'd keep $638 more a month in Palm Bay
$2,331/mo leftover in Palm Bay vs $1,693 in Miami after tax and rent ($638 more). +$7,656 a year for the same registered nurse, the same household size, and the same number of bedrooms. Not a cost-of-living index.
Miami leftover
$1,693
a month after tax and rent
Palm Bay leftover
$2,331
+$638 vs Miami
Compare Miami to another metro
Same paycheck. Try a different city next to Miami.
Monthly gap
Miami → Palm Bay
$638
more / month in Palm Bay
$2,331 in Palm Bay · $1,693 in Miami · One adult, renting a 1-bedroom
Home
Only when you tap. We match the nearest metro and don't keep the coordinates.
Destination
In 2022-2023, 1,976 households moved Miami → Palm Bay (avg AGI $71,850). 753 went the other way. The whole move →
+$638 / mo
| Per month | Miami | Palm Bay | Difference |
|---|---|---|---|
| Gross pay | $7,500 | $7,070 | −$430 |
| Income and payroll tax | $1,525 | $1,398 | −$127 |
| Take-home pay | $5,975 | $5,673 | −$302 |
| Rent | $2,073 | $1,399 | −$674 |
| Getting around | $599 | $541 | −$58 |
| Groceries | $444 | $387 | −$57 |
| Healthcare | $500 | $435 | −$65 |
| Utilities | $278 | $242 | −$36 |
| Everything else | $389 | $338 | −$51 |
| Left over | $1,693 | $2,331 | +$638 |
To break even in Palm Bay, you'd need to earn
$74,000
Household gross, versus $90,000 today. That's the salary that leaves you exactly as much at the end of the month as Miami does now.
The tax difference alone
$0
A year, in state and local income tax. Florida has no wage income tax.
More about Palm Bay
Miami, FL in full
No income tax, but rents rose faster here than anywhere in the 2020s.
Palm Bay, FL in full
No state income tax, a median 2-bedroom asking rent of $1,665 and 250 sunny days; commutes average 25 minutes.
The reverse move
Same two cities, but starting from Palm Bay on Palm Bay wages.
Palm Bay → Miami →Questions
Is the cost of living lower in Palm Bay than Miami?
A one-bedroom is about $2,073 in Miami versus $1,399 in Palm Bay. On a one-adult, one-bedroom household, leftover is about $638 a month higher in Palm Bay. Change the job or household on the comparison to see your number.
Does Palm Bay have state income tax?
Palm Bay is in Florida, which has no state income tax.
What changes if you move from Miami to Palm Bay?
Take-home pay is recalculated under Florida tax, rent is priced at the same bedroom count, and leftover is the gap. The from-to page also lists IRS households that already made the move, when that data exists.
Leftover is take-home after federal, state and city wage tax, minus asking rent at the bedroom count you set, minus a modelled month of groceries, utilities, healthcare, transport and childcare. It is not a cost-of-living index and not a moving quote. The dollar gap between Miami and Palm Bay moves when you change the job, remote versus local pay, or bedrooms. How the math works · Leftover vs a COL index · Why a cheaper COL% can still lose leftover.
Rent is Zillow's asking rent for each metro; taxes and living costs are modelled. An estimate, not a quote or tax advice. How this is calculated.