Ontario 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)
Ontario, CA
California · Population: 138,723
- Median HH Income$116,945
- Median Home Price$671,948
- Unemployment4.7%
- Bachelor's+40.1%
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
Ontario
138,723
Ontario +
Palm Bay
125,273
Pop. Density / sq mi
Lower = more space
Ontario
N/A
Palm Bay
N/A
Median Age
Ontario
36.9
Ontario +
Palm Bay
41.3
Foreign Born
Ontario
21.0%
Ontario +
Palm Bay
15.1%
White
Ontario
53.6%
Palm Bay
59.2%
Palm Bay +
Black
Ontario
1.6%
Palm Bay
19.3%
Palm Bay +
Asian
Ontario
13.1%
Ontario +
Palm Bay
2.1%
Hispanic
Ontario
40.0%
Ontario +
Palm Bay
19.7%
Spanish at Home
Ontario
N/A
Palm Bay
N/A
| Metric | Ontario, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Population | 138,723 | 125,273 | Ontario + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 36.9 | 41.3 | Ontario + |
| Foreign Born | 21.0% | 15.1% | Ontario + |
| White | 53.6% | 59.2% | Palm Bay + |
| Black | 1.6% | 19.3% | Palm Bay + |
| Asian | 13.1% | 2.1% | Ontario + |
| Hispanic | 40.0% | 19.7% | Ontario + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Ontario
$116,945
Ontario +
Palm Bay
$67,521
Per Capita Income
Ontario
$50,759
Ontario +
Palm Bay
$34,474
Per Capita Personal Income (MSA)
BEA MSA-level
Ontario
$77,230
Ontario +
Palm Bay
$65,328
Unemployment Rate
Ontario
4.7%
Ontario +
Palm Bay
5.9%
Poverty Rate
Ontario
9.2%
Ontario +
Palm Bay
11.6%
Bachelor's Degree+
Ontario
40.1%
Ontario +
Palm Bay
22.6%
| Metric | Ontario, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Median HH Income | $116,945 | $67,521 | Ontario + |
| Per Capita Income | $50,759 | $34,474 | Ontario + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,230 | $65,328 | Ontario + |
| Unemployment Rate | 4.7% | 5.9% | Ontario + |
| Poverty Rate | 9.2% | 11.6% | Ontario + |
| Bachelor's Degree+ | 40.1% | 22.6% | Ontario + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Ontario
$671,948
Palm Bay
$304,173
Palm Bay +
Homeownership Rate
Ontario
58.1%
Palm Bay
79.3%
Palm Bay +
| Metric | Ontario, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $671,948 | $304,173 | Palm Bay + |
| Homeownership Rate | 58.1% | 79.3% | Palm Bay + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Ontario
503
Palm Bay
324
Palm Bay +
Property Crime / 100K
FBI CDE (state-level est.)
Ontario
2388
Palm Bay
1453
Palm Bay +
| Metric | Ontario, 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
Ontario
33.6%
Ontario +
Palm Bay
36.5%
Diabetes Rate
CDC PLACES
Ontario
12.0%
Ontario +
Palm Bay
14.0%
Poor Mental Health
CDC PLACES — 14+ days/month
Ontario
17.8%
Palm Bay
17.6%
Palm Bay +
No Health Insurance
CDC PLACES
Ontario
17.0%
Palm Bay
14.2%
Palm Bay +
Binge Drinking
CDC PLACES
Ontario
15.7%
Palm Bay
14.4%
Palm Bay +
Current Smokers
CDC PLACES
Ontario
12.0%
Ontario +
Palm Bay
14.5%
| Metric | Ontario, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 33.6% | 36.5% | Ontario + |
| Diabetes RateCDC PLACES | 12.0% | 14.0% | Ontario + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 17.8% | 17.6% | Palm Bay + |
| No Health InsuranceCDC PLACES | 17.0% | 14.2% | Palm Bay + |
| Binge DrinkingCDC PLACES | 15.7% | 14.4% | Palm Bay + |
| Current SmokersCDC PLACES | 12.0% | 14.5% | Ontario + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Ontario
65.5°F
Palm Bay
N/A
Annual Precipitation
NOAA 1991–2020 normal
Ontario
15.0 in
Palm Bay
N/A
| Metric | Ontario, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 65.5°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 15.0 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Ontario
7.9 µg/m³
Palm Bay
7.2 µg/m³
Palm Bay +
Good Air Days
AQI ≤ 50
Ontario
75.0%
Palm Bay
75.0%
Tie
| Metric | Ontario, 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
Ontario
28.2 min
Ontario +
Palm Bay
29.6 min
| Metric | Ontario, CA | Palm Bay, FL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 28.2 min | 29.6 min | Ontario + |
Which City is Right for You?
Ontario leads in median household income at $116,945, 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 Ontario. Ontario has a lower unemployment rate at 4.7%, and Palm Bay has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Ontario scores better with a lower obesity rate of 33.6%.
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