Palm Bay, FL vs Phoenix, AZ
Simple answer
You'd likely save $45 a month in Phoenix.
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 housing prices. The BEA housing price parity differs by 9.5 points (Palm Bay 111.7, Phoenix 121.2).
Florida has no tax on wages. Arizona taxes wages at a flat 2.50%. Combined sales tax differs by 1.5 percentage points, higher in Arizona. The effective property tax gap is 0.32 percentage points, higher in Florida.
After a move from Florida to Arizona, these benefit results change for a family of four at $40,000 and a single adult at $18,000: Marketplace premium tax credits, Medicaid and CHIP.
A $75,000 salary in Palm Bay lines up with about $77,483 in Phoenix on the 2024 all-items price parity. Census median gross rent and the commute figures are 2024. Fair Market Rents are fiscal year 2027.
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
Phoenix
Phoenix-Mesa-Chandler, AZ
- 2-bedroom Fair Market Rent
- $1,734
- HUD area
- Phoenix-Mesa-Chandler, AZ MSA
- Census median gross rent
- $1,819
- All-items price parity
- 103.3
- Goods price parity
- 95.0
- Utilities price parity
- 93.3
- Mean commute
- 27.6 min
- Median household income
- $90,133
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.
$77,483
Salary in Phoenix that matches the 2024 all-items regional price parity.
$80,461
Gross salary in Phoenix whose after-tax pay buys the same basket, using price parities.
$73,103
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 | Florida | Arizona |
|---|---|---|
| State income tax on wages | No wage tax | 2.50% flat |
| Combined sales tax, Jan 1, 2026 | 7.0% | 8.5% |
| Effective property tax, ACS 2024 median / median | 0.75% | 0.43% |
On a $400,000 home, the state median effective rate implies about $3,016 a year in Florida and $1,716 in Arizona. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Arizona
Same household, $40,000 a year, scored once in Florida and once in Arizona. This is an illustration, not your application.
Food stamps (SNAP)
Palm BayLikely eligible
PhoenixLikely eligible
Medicaid and CHIP
Palm BayLikely eligible
PhoenixLikely eligible
WIC
Palm BayLikely eligible
PhoenixLikely eligible
School meals
Palm BayLikely eligible
PhoenixLikely eligible
LIHEAP
Palm BayMaybe
PhoenixMaybe
Earned Income Tax Credit
Palm BayLikely eligible
PhoenixLikely eligible
Child Tax Credit
Palm BayLikely eligible
PhoenixLikely eligible
Marketplace premium tax credits
Palm BayLikely eligible
PhoenixUnlikely
Lifeline phone and internet
Palm BayLikely eligible
PhoenixLikely eligible
SSI
Palm BayUnlikely
PhoenixUnlikely
| Program | Palm Bay | Phoenix |
|---|---|---|
| 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 | Unlikely |
| Lifeline phone and internet | Likely eligible | Likely eligible |
| SSI | Unlikely | Unlikely |
Marketplace premium tax credits changes. In Palm Bay the result is “Likely inside the 2026 subsidy range.” In Phoenix it is “Unlikely — Medicaid is the closer program.” Arizona expanded Medicaid, and this income is in the Medicaid range. Marketplace subsidies are usually not the program in that case.
Related comparisons
From Palm Bay
The eight largest 2-bedroom Fair Market Rent gaps from Palm Bay.
- Palm Bay and San Francisco · rent gap $1,918
- Palm Bay and San Jose · rent gap $1,493
- Palm Bay and Boston · rent gap $1,229
- Palm Bay and New York · rent gap $1,192
- Palm Bay and Los Angeles · rent gap $1,185
- Palm Bay and San Diego · rent gap $1,044
- Palm Bay and Miami · rent gap $785
- Palm Bay and Seattle · rent gap $770
Nearby metros
How the salary and tax math works · The reverse city order redirects to this address.