City comparison
El Paso, TX vs Palm Bay, FL
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Palm Bay, FL are 11.2% higher than in El Paso, TX. Someone earning $100,000 in El Paso, TX would need about $111,200 in Palm Bay, FL to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,478 a month in Palm Bay, FL versus $1,013 in El Paso, TX. On $100,000, that's 22% of take-home pay in Palm Bay, FL and 15% in El Paso, TX.
- Estimated state income tax on $100,000 is close: $0 a year in TX and $0 in FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +0.7% moving from El Paso, TX to Palm Bay, FL ($106,437 → $107,228), while prices change by +11.2%. Net effect of the transfer: −9.4% in real buying power.
- El Paso, TX: price level 89.9 (much cheaper)
- Palm Bay, FL: price level 100.0 (about average)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| El Paso, TX | Palm Bay, FL | |
|---|---|---|
| Price level (U.S. = 100)2 | 89.9 | 100.0 |
| $100,000 is worth, in the other city2 | $111,225 in Palm Bay | $89,908 in El Paso |
| Typical 1-bedroom rent3 | $1,013/mo | $1,478/mo |
| Take-home on $100,00014,15,8 | $79,180 | $79,180 |
| State income tax on $100,000 (estimate)8 | $0 (TX) | $0 (FL) |
| Rent burden on $100,000 | 15% | 22% |
| Median pay, all jobs4 | $39,510 | $49,030 |
| Federal locality pay area7 | Rest of U.S. | Palm Bay-Melbourne-Titusville, FL |
Rent areas: El Paso, TX HUD Metro FMR Area and Palm Bay-Melbourne-Titusville, FL MSA. Metro areas: El Paso, TX and Palm Bay-Melbourne-Titusville, FL.
What costs more or less
| Price level (U.S. = 100) | El Paso | Palm Bay |
|---|---|---|
| Housing (rent) | 71.2 | 111.7 |
| Goods | 93.8 | 96.2 |
| Utilities | 82.6 | 88.1 |
| Other services | 96.2 | 98.9 |
| Overall | 89.9 | 100.0 |
Moving with the same $100,000 salary
El Paso, TX → Palm Bay, FL
Same pay buys less
Buying power −10.1%; rent takes 22% of take-home; state tax +$0/yr.
38 Weak offer
Palm Bay, FL → El Paso, TX
Same pay goes further
Buying power +11.2%; rent takes 15% of take-home; state tax +$0/yr.
100 Strong offer
On the GS pay scale?
El Paso, TX is in the Rest of U.S. pay area; Palm Bay, FL is in Palm Bay-Melbourne-Titusville, FL. The last column shows what a transfer from El Paso, TX to Palm Bay, FL at the same grade and step does to real buying power.
| Grade5,2 | El Paso, TX | Palm Bay, FL | Real change, El Paso → Palm Bay |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $62,181 | −9.4% |
| GS-11 step 1 | $74,678 | $75,233 | −9.4% |
| GS-12 step 1 | $89,508 | $90,173 | −9.4% |
| GS-13 step 1 | $106,437 | $107,228 | −9.4% |
| GS-14 step 1 | $125,776 | $126,711 | −9.4% |
Pay for common jobs
| Median annual pay4 | El Paso, TX | Palm Bay, FL | Palm Bay pay in El Paso dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $63,800 | $62,510 | $56,201 (−11.9%) |
| Software Developers | $127,310 | $131,760 | $118,462 (−6.9%) |
| Accountants and Auditors | $65,990 | $75,860 | $68,204 (+3.4%) |
| Registered Nurses | $86,100 | $80,900 | $72,735 (−15.5%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.