Compare / Palm Bay to Worcester
Palm Bay, FL vs Worcester, MA
Simple answer
You'd likely save $264 a month in Palm Bay.
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 $264: Worcester is higher at $2,043 versus $1,779.
Florida has no tax on wages. Massachusetts taxes wages at rates up to 9.00%. Combined sales tax differs by 0.7 percentage points, higher in Florida. The effective property tax gap is 0.25 percentage points, higher in Massachusetts.
After a move from Florida to Massachusetts, 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 $76,888 in Worcester 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
Worcester
Worcester, MA
- 2-bedroom Fair Market Rent
- $2,043
- HUD area
- Worcester, MA HUD Metro FMR Area
- Census median gross rent
- $1,563
- All-items price parity
- 102.5
- Goods price parity
- 97.0
- Utilities price parity
- 155.2
- Mean commute
- 29.8 min
- Median household income
- $96,602
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.
$76,888
Salary in Worcester that matches the 2024 all-items regional price parity.
$82,775
Gross salary in Worcester whose after-tax pay buys the same basket, using price parities.
$86,130
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 | Massachusetts |
|---|---|---|
| State income tax on wages | No wage tax | up to 9.00% |
| Combined sales tax, Jan 1, 2026 | 7.0% | 6.3% |
| Effective property tax, ACS 2024 median / median | 0.75% | 1.00% |
On a $400,000 home, the state median effective rate implies about $3,016 a year in Florida and $4,004 in Massachusetts. That illustration is not a local bill. Childcare prices are not in the verified dataset for these metros.
Benefits if you land in Massachusetts
Same household, $40,000 a year, scored once in Florida and once in Massachusetts. This is an illustration, not your application.
Food stamps (SNAP)
Palm BayLikely eligible
WorcesterLikely eligible
Medicaid and CHIP
Palm BayLikely eligible
WorcesterLikely eligible
WIC
Palm BayLikely eligible
WorcesterLikely eligible
School meals
Palm BayLikely eligible
WorcesterLikely eligible
LIHEAP
Palm BayMaybe
WorcesterMaybe
Earned Income Tax Credit
Palm BayLikely eligible
WorcesterLikely eligible
Child Tax Credit
Palm BayLikely eligible
WorcesterLikely eligible
Marketplace premium tax credits
Palm BayLikely eligible
WorcesterUnlikely
Lifeline phone and internet
Palm BayLikely eligible
WorcesterLikely eligible
SSI
Palm BayUnlikely
WorcesterUnlikely
| Program | Palm Bay | Worcester |
|---|---|---|
| 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 Worcester it is “Unlikely — Medicaid is the closer program.” Massachusetts 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.