Last update: Oct 2026

Cost of Living Comparison Between Palm Bay, FL and Austin, TX

For one person, living is cheaper in Palm Bay, FL: $2,347 a month against $2,663 in Austin, TX, rent and utilities included – about $3,800 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Palm Bay, FL
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Palm Bay, FL Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Palm Bay, FL

🇺🇸 United States

$2,347

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Palm Bay, FL and in Austin, TX

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Palm Bay, FL and in Austin, TX actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,347 in Palm Bay, FL versus $2,663 in Austin, TX.

Palm Bay, FL $2,347
Austin, TX $2,663

Estimated couple costs with rent: $3,526 in Palm Bay, FL versus $4,133 in Austin, TX.

Palm Bay, FL $3,526
Austin, TX $4,133

Monthly costs for a family of three with rent: $4,706 in Palm Bay, FL versus $5,603 in Austin, TX.

Palm Bay, FL $4,706
Austin, TX $5,603

Living in Palm Bay, FL costs roughly 12% less than in Austin, TX, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Palm Bay, FL 74% above, Austin, TX 97% above.

Meal at Budget Restaurant

$25.58 $25.58

$20.77 $20.77

23.16%

Three-Course Dinner for Two, Mid-Range

$74.9 $74.9

$84.6 $84.6

-11.44%

Fast Food Meal (McDonalds, etc)

$10.24 $10.24

$12.32 $12.32

-16.88%

Cappuccino

$5.38 $5.38

$5.63 $5.63

-4.44%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.01 $3.01

$3.72 $3.72

-19.09%

Water (0.33 liter bottle)

$1.99 $1.99

$2.50 $2.50

-20.40%

Local Beer (0.5 liter draught)

$5.40 $5.40

$8.05 $8.05

-32.92%

Imported Beer (0.33 liter bottle)

$7.61 $7.61

$9.01 $9.01

-15.54%

Milk (1 liter)

$1.01 $1.01

$1.12 $1.12

-9.82%

White Bread (500g)

$3.88 $3.88

$3.75 $3.75

3.47%

Rice (white) (1kg)

$3.05 $3.05

$3.26 $3.26

-6.44%

Eggs

$3.58 $3.58

$4.17 $4.17

-14.15%

Local Cheese (1kg)

$12.92 $12.92

$12.90 $12.90

0.16%

Chicken Fillets (1kg)

$11.01 $11.01

$14.16 $14.16

-22.25%

Beef Round Steak (1kg)

$14.51 $14.51

$16.22 $16.22

-10.54%

Apples (1kg)

$3.75 $3.75

$4.33 $4.33

-13.39%

Banana (1kg)

$1.52 $1.52

$1.46 $1.46

4.11%

Oranges (1kg)

$4.35 $4.35

$4.51 $4.51

-3.55%

Tomato (1kg)

$5.52 $5.52

$4.34 $4.34

27.19%

Potato (1kg)

$2.94 $2.94

$2.58 $2.58

13.95%

Onion (1kg)

$3.40 $3.40

$2.35 $2.35

44.68%

Lettuce (1 head)

$2.29 $2.29

$1.78 $1.78

28.65%

Water (1.5 liter bottle)

$2.72 $2.72

$2.22 $2.22

22.52%

Cigarettes 20 Pack (Marlboro, Camel)

$9.49 $9.49

$9.88 $9.88

-3.95%

Wine (Bottle)

$12.85 $12.85

$15.08 $15.08

-14.79%

Local Beer (0.5 liter bottle)

$1.72 $1.72

$2.92 $2.92

-41.10%

Imported Beer (0.33 liter bottle)

$3.29 $3.29

$3.46 $3.46

-4.91%

One-way Ticket (Public Transport)

$1.49 $1.49

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

Taxi Start (Normal Tariff)

$10.18 $10.18

$2.73 $2.73

272.89%

Taxi (Normal Tariff) (1km)

$1.81 $1.81

$1.66 $1.66

9.04%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

Gasoline (1 liter)

$1.01 $1.01

$0.95 $0.95

6.32%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$36.9K $36.9K

$36.0K $36.0K

2.34%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$24.9K $24.9K

$27.1K $27.1K

-7.92%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$174 $174

$229 $229

-24.01%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$59.2 $59.2

$59.4 $59.4

-0.29%

Internet (50+ Mbps, Unlimited Data)

$77.9 $77.9

$69.9 $69.9

11.47%

Gym Membership (Monthly)

$33.76 $33.76

$57.2 $57.2

-41.02%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

Cinema Ticket

$9.83 $9.83

$14.28 $14.28

-31.16%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$992 $992

$1,506 $1,506

-34.14%

International Primary School, 1 Child (Yearly)

$7,059 $7,059

$21.5K $21.5K

-67.10%

Jeans (Levis 501 Or Similar)

$67.2 $67.2

$52.8 $52.8

27.19%

Summer Dress (H&M, Zara, etc)

$27.42 $27.42

$43.82 $43.82

-37.43%

Sport Shoes (Adidas, Nike)

$108 $108

$84.8 $84.8

27.59%

Men's Leather Business Shoes

$104 $104

$103 $103

1.40%

1-bedroom Apartment, City Center (Monthly)

$1,441 $1,441

$1,907 $1,907

-24.43%

1-bedroom Apartment, Outside City Center (Monthly)

$1,079 $1,079

$1,274 $1,274

-15.35%

3-bedroom Apartment, City Center (Monthly)

$1,911 $1,911

$3,664 $3,664

-47.84%

3-bedroom Apartment, Outside City Center (Monthly)

$1,886 $1,886

$2,538 $2,538

-25.71%

Buy Apartment in City Center (m2)

$2,458 $2,458

$7,614 $7,614

-67.72%

Buy Apartment Outside City Center (m2)

$2,512 $2,512

$3,157 $3,157

-20.44%

Average Monthly Net Salary (After Tax)

$3,616 $3,616

$5,121 $5,121

-29.40%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.56

6.79

-3.39%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Palm Bay, FL: October 11, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Palm Bay, FL

$1.1K 46%

Austin, TX

$1.3K 47.8% 18.1% $196

Groceries & Markets

Palm Bay, FL

$384 16.4%

Austin, TX

$405 15.2% 5.4% $21

Eating Out

Palm Bay, FL

$362 15.4%

Austin, TX

$354 13.3% 2.3% $8.2

Monthly Utilities & Internet

Palm Bay, FL

$311 13.3%

Austin, TX

$358 13.5% 15.2% $47

Clothing & Footwear

Palm Bay, FL

$138 5.9%

Austin, TX

$128 4.8% 7.4% $10

Sport & Entertainment

Palm Bay, FL

$53 2.3%

Austin, TX

$86 3.2% 60.6% $32

Getting Around

Palm Bay, FL

$19 * 0.8%

Austin, TX

$59 2.2% 205% $39

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,441 in Palm Bay, FL and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 42% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $75.0 in Palm Bay, FL vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $384 vs $405 per month, with Palm Bay, FL cheaper across the board.

Good to know

🇺🇸 Palm Bay, FL

🇺🇸 Austin, TX

🕒 Local time

13:27 1:27 PM

12:27 12:27 PM

1 h behind Palm Bay, FL

🌤 Weather

👥 Population

119,760

974,447

💱 Currency

United States Dollar USD $

📈 Exchange rate

1 USD = 0.889 EUR

Exchange rates and currency converter

On the map

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Highest

Between locations

Palm Bay, FL Austin, TX 1,680 km ≈ 2 h 30 min nonstop flight

From you

Palm Bay, FL
Austin, TX

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Palm Bay, FL vs Austin, TX: Cost of Living - Frequently Asked Questions

Palm Bay, FL wins on cost – living expenses run 14% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Palm Bay, FL the obvious pick if budget is a priority.

On paper, salaries run 42% lower in Austin, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,441 in Palm Bay, FL versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $992 in Palm Bay, FL versus $1,506 in Austin, TX. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Palm Bay, FL – a meal for two runs $75.0 versus $85.0 in Austin, TX. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $2,000. Palm Bay, FL is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Expats usually find Palm Bay, FL gentler on the wallet – expenses run 14% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.