Houston, TX vs Palm Bay, FL
Simple answer
You'd likely save $282 a month in Houston.
This is the HUD 2-bedroom fair-market rent for October 2026 through September 2027. It is not your lease.
The largest cost gap in this pair is Fair Market Rent. The 2-bedroom Fair Market Rent gap is $282: Palm Bay is higher at $1,779 versus $1,497.
Texas has no tax on wages. Florida has no tax on wages. Combined sales tax differs by 1.2 percentage points, higher in Texas. The effective property tax gap is 0.56 percentage points, higher in Texas.
After a move from Texas to Florida, those two example households keep the same benefit status labels. A different income can still split Medicaid and marketplace credits.
A $75,000 salary in Houston lines up with about $76,046 in Palm Bay on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
Houston
Houston-Pasadena-The Woodlands, TX
- 2-bedroom Fair Market Rent
- $1,497
- HUD area
- Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area
- Census median gross rent
- $1,469
- All-items price parity
- 98.6
- Goods price parity
- 100.6
- Utilities price parity
- 95.3
- Mean commute
- 31.1 min
- Median household income
- $81,417
Palm Bay
Palm Bay-Melbourne-Titusville, FL
- 2-bedroom Fair Market Rent
- $1,779
- HUD area
- Palm Bay-Melbourne-Titusville, FL MSA
- Census median gross rent
- $1,681
- All-items price parity
- 100.0
- Goods price parity
- 96.2
- Utilities price parity
- 88.1
- Mean commute
- 26.5 min
- Median household income
- $78,196
Equivalent salary
The first number keeps the same place in the national price level. The second also runs 2026 federal income tax, employee Social Security and Medicare, and a simplified state income tax. Groceries use the BEA goods price parity, not a grocery receipt.
$76,046
Salary in Palm Bay that matches the 2024 all-items regional price parity.
$76,221
Gross salary in Palm Bay whose after-tax pay buys the same basket, using price parities.
$89,128
Scales the salary by the ratio of HUD 2-bedroom Fair Market Rents. Rent is not the whole budget.
Taxes on the two sides of the move
| Tax | Texas | Florida |
|---|---|---|
| State income tax on wages | No wage tax | No wage tax |
| Combined sales tax, Jan 1, 2026 | 8.2% | 7.0% |
| Effective property tax, ACS 2024 median / median | 1.31% | 0.75% |
On a $400,000 home, the state median effective rate implies about $5,246 a year in Texas and $3,016 in Florida. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Florida
Same household, $40,000 a year, scored once in Texas and once in Florida. This is an illustration, not your application.
Food stamps (SNAP)
HoustonLikely eligible
Palm BayLikely eligible
Medicaid and CHIP
HoustonLikely eligible
Palm BayLikely eligible
WIC
HoustonLikely eligible
Palm BayLikely eligible
School meals
HoustonLikely eligible
Palm BayLikely eligible
LIHEAP
HoustonMaybe
Palm BayMaybe
Earned Income Tax Credit
HoustonLikely eligible
Palm BayLikely eligible
Child Tax Credit
HoustonLikely eligible
Palm BayLikely eligible
Marketplace premium tax credits
HoustonLikely eligible
Palm BayLikely eligible
Lifeline phone and internet
HoustonLikely eligible
Palm BayLikely eligible
SSI
HoustonUnlikely
Palm BayUnlikely
| Program | Houston | Palm Bay |
|---|---|---|
| Food stamps (SNAP) | Likely eligible | Likely eligible |
| Medicaid and CHIP | Likely eligible | Likely eligible |
| WIC | Likely eligible | Likely eligible |
| School meals | Likely eligible | Likely eligible |
| LIHEAP | Maybe | Maybe |
| Earned Income Tax Credit | Likely eligible | Likely eligible |
| Child Tax Credit | Likely eligible | Likely eligible |
| Marketplace premium tax credits | Likely eligible | Likely eligible |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
At $40,000 the status labels match. A single adult around $18,000 is where Medicaid expansion and the marketplace coverage gap usually split.
Related comparisons
From Houston
The eight largest 2-bedroom Fair Market Rent gaps from Houston.
- Houston and San Francisco · rent gap $2,200
- Houston and San Jose · rent gap $1,775
- Houston and Boston · rent gap $1,511
- Houston and New York · rent gap $1,474
- Houston and Los Angeles · rent gap $1,467
- Houston and San Diego · rent gap $1,326
- Houston and Miami · rent gap $1,067
- Houston and Seattle · rent gap $1,052
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.