Modesto CA 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)
Modesto, CA
California · Population: 218,614
- Median HH Income$77,899
- Median Home Price$447,353
- Unemployment7.3%
- Bachelor's+20.3%
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
Modesto
218,614
Modesto +
Palm Bay
125,273
Pop. Density / sq mi
Lower = more space
Modesto
N/A
Palm Bay
N/A
Median Age
Modesto
35.4
Modesto +
Palm Bay
41.3
Foreign Born
Modesto
18.7%
Modesto +
Palm Bay
15.1%
White
Modesto
50.8%
Palm Bay
59.2%
Palm Bay +
Black
Modesto
4.7%
Palm Bay
19.3%
Palm Bay +
Asian
Modesto
7.4%
Modesto +
Palm Bay
2.1%
Hispanic
Modesto
43.9%
Modesto +
Palm Bay
19.7%
Spanish at Home
Modesto
N/A
Palm Bay
N/A
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Population | 218,614 | 125,273 | Modesto + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.4 | 41.3 | Modesto + |
| Foreign Born | 18.7% | 15.1% | Modesto + |
| White | 50.8% | 59.2% | Palm Bay + |
| Black | 4.7% | 19.3% | Palm Bay + |
| Asian | 7.4% | 2.1% | Modesto + |
| Hispanic | 43.9% | 19.7% | Modesto + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Modesto
$77,899
Modesto +
Palm Bay
$67,521
Per Capita Income
Modesto
$34,656
Modesto +
Palm Bay
$34,474
Per Capita Personal Income (MSA)
BEA MSA-level
Modesto
$77,230
Modesto +
Palm Bay
$65,328
Unemployment Rate
Modesto
7.3%
Palm Bay
5.9%
Palm Bay +
Poverty Rate
Modesto
13.0%
Palm Bay
11.6%
Palm Bay +
Bachelor's Degree+
Modesto
20.3%
Palm Bay
22.6%
Palm Bay +
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Median HH Income | $77,899 | $67,521 | Modesto + |
| Per Capita Income | $34,656 | $34,474 | Modesto + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,230 | $65,328 | Modesto + |
| Unemployment Rate | 7.3% | 5.9% | Palm Bay + |
| Poverty Rate | 13.0% | 11.6% | Palm Bay + |
| Bachelor's Degree+ | 20.3% | 22.6% | Palm Bay + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Modesto
$447,353
Palm Bay
$304,173
Palm Bay +
Homeownership Rate
Modesto
58.4%
Palm Bay
79.3%
Palm Bay +
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $447,353 | $304,173 | Palm Bay + |
| Homeownership Rate | 58.4% | 79.3% | Palm Bay + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Modesto
503
Palm Bay
324
Palm Bay +
Property Crime / 100K
FBI CDE (state-level est.)
Modesto
2388
Palm Bay
1453
Palm Bay +
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 503 | 324 | Palm Bay + |
| Property Crime / 100KFBI CDE (state-level est.) | 2388 | 1453 | Palm Bay + |
Health
Obesity Rate
CDC PLACES
Modesto
36.2%
Modesto +
Palm Bay
36.5%
Diabetes Rate
CDC PLACES
Modesto
12.1%
Modesto +
Palm Bay
14.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Modesto
19.0%
Palm Bay
17.6%
Palm Bay +
No Health Insurance
CDC PLACES
Modesto
13.0%
Modesto +
Palm Bay
14.2%
Binge Drinking
CDC PLACES
Modesto
16.5%
Palm Bay
14.4%
Palm Bay +
Current Smokers
CDC PLACES
Modesto
13.7%
Modesto +
Palm Bay
14.5%
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 36.2% | 36.5% | Modesto + |
| Diabetes RateCDC PLACES | 12.1% | 14.0% | Modesto + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 19.0% | 17.6% | Palm Bay + |
| No Health InsuranceCDC PLACES | 13.0% | 14.2% | Modesto + |
| Binge DrinkingCDC PLACES | 16.5% | 14.4% | Palm Bay + |
| Current SmokersCDC PLACES | 13.7% | 14.5% | Modesto + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Modesto
63.7°F
Palm Bay
N/A
Annual Precipitation
NOAA 1991–2020 normal
Modesto
13.1 in
Palm Bay
N/A
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 63.7°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 13.1 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Modesto
7.9 µg/m³
Palm Bay
7.2 µg/m³
Palm Bay +
Good Air Days
AQI ≤ 50
Modesto
75.0%
Palm Bay
75.0%
Tie
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.9 µg/m³ | 7.2 µg/m³ | Palm Bay + |
| Good Air DaysAQI ≤ 50 | 75.0% | 75.0% | Tie |
Commute
Mean Commute Time
Census ACS
Modesto
30.5 min
Palm Bay
29.6 min
Palm Bay +
| Metric | Modesto, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.5 min | 29.6 min | Palm Bay + |
Which City is Right for You?
Modesto leads in median household income at $77,899, 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 503 in Modesto. Palm Bay has a lower unemployment rate at 5.9%, and Palm Bay has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Modesto scores better with a lower obesity rate of 36.2%.
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