Cary NC vs Palm Bay FL — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Cary, NC
North Carolina · Population: 176,686
- Median HH Income$129,399
- Median Home Price$629,864
- Unemployment3.4%
- Bachelor's+70.2%
Palm Bay, FL
Florida · Population: 125,273
- Median HH Income$67,521
- Median Home Price$304,173
- Unemployment5.9%
- Bachelor's+22.6%
Detailed Comparison
Demographics
Population
Cary
176,686
Cary +
Palm Bay
125,273
Pop. Density / sq mi
Lower = more space
Cary
N/A
Palm Bay
N/A
Median Age
Cary
39.8
Cary +
Palm Bay
41.3
Foreign Born
Cary
23.7%
Cary +
Palm Bay
15.1%
White
Cary
60.1%
Cary +
Palm Bay
59.2%
Black
Cary
7.6%
Palm Bay
19.3%
Palm Bay +
Asian
Cary
20.4%
Cary +
Palm Bay
2.1%
Hispanic
Cary
9.3%
Palm Bay
19.7%
Palm Bay +
Spanish at Home
Cary
N/A
Palm Bay
N/A
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Population | 176,686 | 125,273 | Cary + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 39.8 | 41.3 | Cary + |
| Foreign Born | 23.7% | 15.1% | Cary + |
| White | 60.1% | 59.2% | Cary + |
| Black | 7.6% | 19.3% | Palm Bay + |
| Asian | 20.4% | 2.1% | Cary + |
| Hispanic | 9.3% | 19.7% | Palm Bay + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Cary
$129,399
Cary +
Palm Bay
$67,521
Per Capita Income
Cary
$64,590
Cary +
Palm Bay
$34,474
Per Capita Personal Income (MSA)
BEA MSA-level
Cary
$59,120
Palm Bay
$65,328
Palm Bay +
Unemployment Rate
Cary
3.4%
Cary +
Palm Bay
5.9%
Poverty Rate
Cary
5.3%
Cary +
Palm Bay
11.6%
Bachelor's Degree+
Cary
70.2%
Cary +
Palm Bay
22.6%
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Median HH Income | $129,399 | $67,521 | Cary + |
| Per Capita Income | $64,590 | $34,474 | Cary + |
| Per Capita Personal Income (MSA)BEA MSA-level | $59,120 | $65,328 | Palm Bay + |
| Unemployment Rate | 3.4% | 5.9% | Cary + |
| Poverty Rate | 5.3% | 11.6% | Cary + |
| Bachelor's Degree+ | 70.2% | 22.6% | Cary + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Cary
$629,864
Palm Bay
$304,173
Palm Bay +
Homeownership Rate
Cary
66.3%
Palm Bay
79.3%
Palm Bay +
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $629,864 | $304,173 | Palm Bay + |
| Homeownership Rate | 66.3% | 79.3% | Palm Bay + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Cary
398
Palm Bay
324
Palm Bay +
Property Crime / 100K
FBI CDE (state-level est.)
Cary
1999
Palm Bay
1453
Palm Bay +
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 398 | 324 | Palm Bay + |
| Property Crime / 100KFBI CDE (state-level est.) | 1999 | 1453 | Palm Bay + |
Health
Obesity Rate
CDC PLACES
Cary
25.3%
Cary +
Palm Bay
36.5%
Diabetes Rate
CDC PLACES
Cary
8.6%
Cary +
Palm Bay
14.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Cary
12.8%
Cary +
Palm Bay
17.6%
No Health Insurance
CDC PLACES
Cary
6.2%
Cary +
Palm Bay
14.2%
Binge Drinking
CDC PLACES
Cary
14.3%
Cary +
Palm Bay
14.4%
Current Smokers
CDC PLACES
Cary
7.7%
Cary +
Palm Bay
14.5%
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 25.3% | 36.5% | Cary + |
| Diabetes RateCDC PLACES | 8.6% | 14.0% | Cary + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.8% | 17.6% | Cary + |
| No Health InsuranceCDC PLACES | 6.2% | 14.2% | Cary + |
| Binge DrinkingCDC PLACES | 14.3% | 14.4% | Cary + |
| Current SmokersCDC PLACES | 7.7% | 14.5% | Cary + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Cary
59.4°F
Palm Bay
N/A
Annual Precipitation
NOAA 1991–2020 normal
Cary
46.3 in
Palm Bay
N/A
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 59.4°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 46.3 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Cary
8.7 µg/m³
Palm Bay
7.2 µg/m³
Palm Bay +
Good Air Days
AQI ≤ 50
Cary
75.0%
Palm Bay
75.0%
Tie
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 8.7 µg/m³ | 7.2 µg/m³ | Palm Bay + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Cary
24.3 min
Cary +
Palm Bay
29.6 min
| Metric | Cary, NC | Palm Bay, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 24.3 min | 29.6 min | Cary + |
Which City is Right for You?
Cary leads in median household income at $129,399, while palm Bay offers more affordable housing with a median home price of $304,173. On public safety, Palm Bay is safer with a violent crime rate of 324 per 100,000 residents, compared to 398 in Cary. Cary has a lower unemployment rate at 3.4%, and Palm Bay has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Cary scores better with a lower obesity rate of 25.3%.
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