Naperville IL 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)
Naperville, IL
Illinois · Population: 149,424
- Median HH Income$150,937
- Median Home Price$618,452
- Unemployment4.2%
- Bachelor's+71.7%
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
Naperville
149,424
Naperville +
Palm Bay
125,273
Pop. Density / sq mi
Lower = more space
Naperville
N/A
Palm Bay
N/A
Median Age
Naperville
40.1
Naperville +
Palm Bay
41.3
Foreign Born
Naperville
22.6%
Naperville +
Palm Bay
15.1%
White
Naperville
64.5%
Naperville +
Palm Bay
59.2%
Black
Naperville
4.4%
Palm Bay
19.3%
Palm Bay +
Asian
Naperville
21.8%
Naperville +
Palm Bay
2.1%
Hispanic
Naperville
7.4%
Palm Bay
19.7%
Palm Bay +
Spanish at Home
Naperville
N/A
Palm Bay
N/A
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Population | 149,424 | 125,273 | Naperville + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 40.1 | 41.3 | Naperville + |
| Foreign Born | 22.6% | 15.1% | Naperville + |
| White | 64.5% | 59.2% | Naperville + |
| Black | 4.4% | 19.3% | Palm Bay + |
| Asian | 21.8% | 2.1% | Naperville + |
| Hispanic | 7.4% | 19.7% | Palm Bay + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Naperville
$150,937
Naperville +
Palm Bay
$67,521
Per Capita Income
Naperville
$71,011
Naperville +
Palm Bay
$34,474
Per Capita Personal Income (MSA)
BEA MSA-level
Naperville
$68,110
Naperville +
Palm Bay
$65,328
Unemployment Rate
Naperville
4.2%
Naperville +
Palm Bay
5.9%
Poverty Rate
Naperville
4.4%
Naperville +
Palm Bay
11.6%
Bachelor's Degree+
Naperville
71.7%
Naperville +
Palm Bay
22.6%
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Median HH Income | $150,937 | $67,521 | Naperville + |
| Per Capita Income | $71,011 | $34,474 | Naperville + |
| Per Capita Personal Income (MSA)BEA MSA-level | $68,110 | $65,328 | Naperville + |
| Unemployment Rate | 4.2% | 5.9% | Naperville + |
| Poverty Rate | 4.4% | 11.6% | Naperville + |
| Bachelor's Degree+ | 71.7% | 22.6% | Naperville + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Naperville
$618,452
Palm Bay
$304,173
Palm Bay +
Homeownership Rate
Naperville
74.3%
Palm Bay
79.3%
Palm Bay +
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $618,452 | $304,173 | Palm Bay + |
| Homeownership Rate | 74.3% | 79.3% | Palm Bay + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Naperville
344
Palm Bay
324
Palm Bay +
Property Crime / 100K
FBI CDE (state-level est.)
Naperville
1842
Palm Bay
1453
Palm Bay +
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 344 | 324 | Palm Bay + |
| Property Crime / 100KFBI CDE (state-level est.) | 1842 | 1453 | Palm Bay + |
Health
Obesity Rate
CDC PLACES
Naperville
27.9%
Naperville +
Palm Bay
36.5%
Diabetes Rate
CDC PLACES
Naperville
8.7%
Naperville +
Palm Bay
14.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Naperville
12.3%
Naperville +
Palm Bay
17.6%
No Health Insurance
CDC PLACES
Naperville
4.6%
Naperville +
Palm Bay
14.2%
Binge Drinking
CDC PLACES
Naperville
16.7%
Palm Bay
14.4%
Palm Bay +
Current Smokers
CDC PLACES
Naperville
7.4%
Naperville +
Palm Bay
14.5%
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 27.9% | 36.5% | Naperville + |
| Diabetes RateCDC PLACES | 8.7% | 14.0% | Naperville + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 12.3% | 17.6% | Naperville + |
| No Health InsuranceCDC PLACES | 4.6% | 14.2% | Naperville + |
| Binge DrinkingCDC PLACES | 16.7% | 14.4% | Palm Bay + |
| Current SmokersCDC PLACES | 7.4% | 14.5% | Naperville + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Naperville
N/A
Palm Bay
N/A
Annual Precipitation
NOAA 1991–2020 normal
Naperville
N/A
Palm Bay
N/A
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Naperville
9.4 µg/m³
Palm Bay
7.2 µg/m³
Palm Bay +
Good Air Days
AQI ≤ 50
Naperville
55.0%
Palm Bay
75.0%
Palm Bay +
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.4 µg/m³ | 7.2 µg/m³ | Palm Bay + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Palm Bay + |
Commute
Mean Commute Time
Census ACS
Naperville
33.8 min
Palm Bay
29.6 min
Palm Bay +
| Metric | Naperville, IL | Palm Bay, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 33.8 min | 29.6 min | Palm Bay + |
Which City is Right for You?
Naperville leads in median household income at $150,937, 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 344 in Naperville. Naperville has a lower unemployment rate at 4.2%, and Palm Bay has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Naperville scores better with a lower obesity rate of 27.9%.
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