Palm Bay FL vs Toledo OH — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Palm Bay, FL
Florida · Population: 125,273
- Median HH Income$67,521
- Median Home Price$304,173
- Unemployment5.9%
- Bachelor's+22.6%
Toledo, OH
Ohio · Population: 268,461
- Median HH Income$47,532
- Median Home Price$130,101
- Unemployment8.5%
- Bachelor's+21.0%
Detailed Comparison
Demographics
Population
Palm Bay
125,273
Toledo
268,461
Toledo +
Pop. Density / sq mi
Lower = more space
Palm Bay
N/A
Toledo
N/A
Median Age
Palm Bay
41.3
Toledo
35.7
Toledo +
Foreign Born
Palm Bay
15.1%
Palm Bay +
Toledo
3.4%
White
Palm Bay
59.2%
Palm Bay +
Toledo
58.7%
Black
Palm Bay
19.3%
Toledo
28.7%
Toledo +
Asian
Palm Bay
2.1%
Palm Bay +
Toledo
1.4%
Hispanic
Palm Bay
19.7%
Palm Bay +
Toledo
8.9%
Spanish at Home
Palm Bay
N/A
Toledo
N/A
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Population | 125,273 | 268,461 | Toledo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 41.3 | 35.7 | Toledo + |
| Foreign Born | 15.1% | 3.4% | Palm Bay + |
| White | 59.2% | 58.7% | Palm Bay + |
| Black | 19.3% | 28.7% | Toledo + |
| Asian | 2.1% | 1.4% | Palm Bay + |
| Hispanic | 19.7% | 8.9% | Palm Bay + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Palm Bay
$67,521
Palm Bay +
Toledo
$47,532
Per Capita Income
Palm Bay
$34,474
Palm Bay +
Toledo
$27,407
Per Capita Personal Income (MSA)
BEA MSA-level
Palm Bay
$65,328
Palm Bay +
Toledo
$58,300
Unemployment Rate
Palm Bay
5.9%
Palm Bay +
Toledo
8.5%
Poverty Rate
Palm Bay
11.6%
Palm Bay +
Toledo
24.5%
Bachelor's Degree+
Palm Bay
22.6%
Palm Bay +
Toledo
21.0%
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Median HH Income | $67,521 | $47,532 | Palm Bay + |
| Per Capita Income | $34,474 | $27,407 | Palm Bay + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $58,300 | Palm Bay + |
| Unemployment Rate | 5.9% | 8.5% | Palm Bay + |
| Poverty Rate | 11.6% | 24.5% | Palm Bay + |
| Bachelor's Degree+ | 22.6% | 21.0% | Palm Bay + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Palm Bay
$304,173
Toledo
$130,101
Toledo +
Homeownership Rate
Palm Bay
79.3%
Palm Bay +
Toledo
52.7%
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $304,173 | $130,101 | Toledo + |
| Homeownership Rate | 79.3% | 52.7% | Palm Bay + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Palm Bay
324
Toledo
319
Toledo +
Property Crime / 100K
FBI CDE (state-level est.)
Palm Bay
1453
Palm Bay +
Toledo
1866
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 319 | Toledo + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 1866 | Palm Bay + |
Health
Obesity Rate
CDC PLACES
Palm Bay
36.5%
Palm Bay +
Toledo
39.3%
Diabetes Rate
CDC PLACES
Palm Bay
14.0%
Palm Bay +
Toledo
15.7%
Poor Mental Health
CDC PLACES — 14+ days/month
Palm Bay
17.6%
Palm Bay +
Toledo
20.6%
No Health Insurance
CDC PLACES
Palm Bay
14.2%
Toledo
11.3%
Toledo +
Binge Drinking
CDC PLACES
Palm Bay
14.4%
Palm Bay +
Toledo
14.9%
Current Smokers
CDC PLACES
Palm Bay
14.5%
Palm Bay +
Toledo
19.9%
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 36.5% | 39.3% | Palm Bay + |
| Diabetes RateCDC PLACES | 14.0% | 15.7% | Palm Bay + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 17.6% | 20.6% | Palm Bay + |
| No Health InsuranceCDC PLACES | 14.2% | 11.3% | Toledo + |
| Binge DrinkingCDC PLACES | 14.4% | 14.9% | Palm Bay + |
| Current SmokersCDC PLACES | 14.5% | 19.9% | Palm Bay + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Palm Bay
N/A
Toledo
50.6°F
Annual Precipitation
NOAA 1991–2020 normal
Palm Bay
N/A
Toledo
33.4 in
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 50.6°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 33.4 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Palm Bay
7.2 µg/m³
Palm Bay +
Toledo
10.3 µg/m³
Good Air Days
AQI ≤ 50
Palm Bay
75.0%
Palm Bay +
Toledo
55.0%
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 10.3 µg/m³ | Palm Bay + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Palm Bay + |
Commute
Mean Commute Time
Census ACS
Palm Bay
29.6 min
Toledo
21.3 min
Toledo +
| Metric | Palm Bay, FL | Toledo, OH | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 29.6 min | 21.3 min | Toledo + |
Which City is Right for You?
Palm Bay leads in median household income at $67,521, while toledo offers more affordable housing with a median home price of $130,101. On public safety, Toledo is safer with a violent crime rate of 319 per 100,000 residents, compared to 324 in Palm Bay. 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, Palm Bay scores better with a lower obesity rate of 36.5%.
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