McKinney TX 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)
McKinney, TX
Texas · Population: 148,848
- Median HH Income$71,843
- Median Home Price$487,346
- Unemployment4.8%
- Bachelor's+18.5%
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
McKinney
148,848
McKinney +
Palm Bay
125,273
Pop. Density / sq mi
Lower = more space
McKinney
N/A
Palm Bay
N/A
Median Age
McKinney
33.4
McKinney +
Palm Bay
41.3
Foreign Born
McKinney
21.0%
McKinney +
Palm Bay
15.1%
White
McKinney
37.8%
Palm Bay
59.2%
Palm Bay +
Black
McKinney
24.7%
McKinney +
Palm Bay
19.3%
Asian
McKinney
3.0%
McKinney +
Palm Bay
2.1%
Hispanic
McKinney
44.7%
McKinney +
Palm Bay
19.7%
Spanish at Home
McKinney
N/A
Palm Bay
N/A
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Population | 148,848 | 125,273 | McKinney + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 33.4 | 41.3 | McKinney + |
| Foreign Born | 21.0% | 15.1% | McKinney + |
| White | 37.8% | 59.2% | Palm Bay + |
| Black | 24.7% | 19.3% | McKinney + |
| Asian | 3.0% | 2.1% | McKinney + |
| Hispanic | 44.7% | 19.7% | McKinney + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
McKinney
$71,843
McKinney +
Palm Bay
$67,521
Per Capita Income
McKinney
$29,291
Palm Bay
$34,474
Palm Bay +
Per Capita Personal Income (MSA)
BEA MSA-level
McKinney
$63,758
Palm Bay
$65,328
Palm Bay +
Unemployment Rate
McKinney
4.8%
McKinney +
Palm Bay
5.9%
Poverty Rate
McKinney
12.4%
Palm Bay
11.6%
Palm Bay +
Bachelor's Degree+
McKinney
18.5%
Palm Bay
22.6%
Palm Bay +
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Median HH Income | $71,843 | $67,521 | McKinney + |
| Per Capita Income | $29,291 | $34,474 | Palm Bay + |
| Per Capita Personal Income (MSA)BEA MSA-level | $63,758 | $65,328 | Palm Bay + |
| Unemployment Rate | 4.8% | 5.9% | McKinney + |
| Poverty Rate | 12.4% | 11.6% | Palm Bay + |
| Bachelor's Degree+ | 18.5% | 22.6% | Palm Bay + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
McKinney
$487,346
Palm Bay
$304,173
Palm Bay +
Homeownership Rate
McKinney
63.2%
Palm Bay
79.3%
Palm Bay +
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $487,346 | $304,173 | Palm Bay + |
| Homeownership Rate | 63.2% | 79.3% | Palm Bay + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
McKinney
442
Palm Bay
324
Palm Bay +
Property Crime / 100K
FBI CDE (state-level est.)
McKinney
2339
Palm Bay
1453
Palm Bay +
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 442 | 324 | Palm Bay + |
| Property Crime / 100KFBI CDE (state-level est.) | 2339 | 1453 | Palm Bay + |
Health
Obesity Rate
CDC PLACES
McKinney
33.9%
McKinney +
Palm Bay
36.5%
Diabetes Rate
CDC PLACES
McKinney
9.1%
McKinney +
Palm Bay
14.0%
Poor Mental Health
CDC PLACES — 14+ days/month
McKinney
15.7%
McKinney +
Palm Bay
17.6%
No Health Insurance
CDC PLACES
McKinney
10.9%
McKinney +
Palm Bay
14.2%
Binge Drinking
CDC PLACES
McKinney
18.3%
Palm Bay
14.4%
Palm Bay +
Current Smokers
CDC PLACES
McKinney
9.9%
McKinney +
Palm Bay
14.5%
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.9% | 36.5% | McKinney + |
| Diabetes RateCDC PLACES | 9.1% | 14.0% | McKinney + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.7% | 17.6% | McKinney + |
| No Health InsuranceCDC PLACES | 10.9% | 14.2% | McKinney + |
| Binge DrinkingCDC PLACES | 18.3% | 14.4% | Palm Bay + |
| Current SmokersCDC PLACES | 9.9% | 14.5% | McKinney + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
McKinney
64.2°F
Palm Bay
N/A
Annual Precipitation
NOAA 1991–2020 normal
McKinney
40.0 in
Palm Bay
N/A
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 64.2°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 40.0 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
McKinney
9.2 µg/m³
Palm Bay
7.2 µg/m³
Palm Bay +
Good Air Days
AQI ≤ 50
McKinney
55.0%
Palm Bay
75.0%
Palm Bay +
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.2 µg/m³ | 7.2 µg/m³ | Palm Bay + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Palm Bay + |
Commute
Mean Commute Time
Census ACS
McKinney
35.6 min
Palm Bay
29.6 min
Palm Bay +
| Metric | McKinney, TX | Palm Bay, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 35.6 min | 29.6 min | Palm Bay + |
Which City is Right for You?
McKinney leads in median household income at $71,843, 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 442 in McKinney. McKinney has a lower unemployment rate at 4.8%, and Palm Bay has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, McKinney scores better with a lower obesity rate of 33.9%.
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