Overall
Diff +0.4 RPP
Albany-Schenectady-Troy vs Palm Bay-Melbourne-Titusville
Cost of living comparison based on BEA Regional Price Parities. Palm Bay-Melbourne-Titusville is 0.4% more expensive than Albany-Schenectady-Troy.
0.4% more expensive
Palm Bay-Melbourne-Titusville, FL is 0.4% more expensive than Albany-Schenectady-Troy, NY on BEA Regional Price Parities (overall RPP 100.0 vs 99.6). A $100,000 salary in Albany-Schenectady-Troy buys about the same as $100,441 in Palm Bay-Melbourne-Titusville; the largest component gap is services.
- Overall RPP 99.6 (Albany-Schenectady-Troy) vs 100.0 (Palm Bay-Melbourne-Titusville)
- $100k in Albany-Schenectady-Troy ≈ $100,441 purchasing power in Palm Bay-Melbourne-Titusville
- Services drives the gap (-46.0 RPP points)
RPP parity plate
Pair NY:FL 99.6→100.0
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE NY × FL
- SPLIT-BUDGET Split budget
- BENCH-CROSS Benchmark cross
- PP-PAR PP near-par
Instrument codes from this pair's BEA Regional Price Parities (overall · goods · services · rents · national benchmark 100 · purchasing-power conversion), not a ranking or recommendation.
Albany-Schenectady-Troy
99.6
Cost Index
Palm Bay-Melbourne-Titusville
100.0
Cost Index
What This Comparison Actually Tells You
Albany-Schenectady-Troy, NY and Palm Bay-Melbourne-Titusville, FL are a photo finish on overall price level, only 0.4 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Palm Bay-Melbourne-Titusville is 46.0 points lower. But services and goods move against the overall direction, so this is a split budget rather than a clean across-the-board winner.
Comparable population context is incomplete for this pair, so no market-scale explanation is inferred from the price indexes.
This route crosses the national benchmark: Palm Bay-Melbourne-Titusville is above 100 while Albany-Schenectady-Troy is below it. That makes the move a change of price regime, not merely a rank swap.
For a service-heavy household, test childcare, health, and other locally supplied costs before relying on rent alone. The BEA ratio converts $100,000 in Albany-Schenectady-Troy to $100,441 in Palm Bay-Melbourne-Titusville, but it is not a personal spending weight.
Category Breakdown
Goods
Diff -3.5 RPP
Services
- Albany-Schenectady-Troy
- 134.0
Diff -46.0 RPP
Rents
- Albany-Schenectady-Troy
- 102.6
Diff +9.1 RPP
| Category | Albany-Schenectady-Troy | Palm Bay-Melbourne-Titusville | Difference |
|---|---|---|---|
| Overall | 99.6 | 100.0 | +0.4 |
| Goods | 99.7 | 96.2 | -3.5 |
| Services | 134.0 | 88.1 | -46.0 |
| Rents | 102.6 | 111.7 | +9.1 |
Visual Comparison
Overall
Albany-Schenectady-Troy 99.6
Palm Bay-Melbourne-Titusville 100.0
Goods
Albany-Schenectady-Troy 99.7
Palm Bay-Melbourne-Titusville 96.2
Services
Albany-Schenectady-Troy 134.0
Palm Bay-Melbourne-Titusville 88.1
Rents
Albany-Schenectady-Troy 102.6
Palm Bay-Melbourne-Titusville 111.7
Vertical line = national average (100)
Salary Equivalents
What a salary in Albany-Schenectady-Troy would need to be in Palm Bay-Melbourne-Titusville for the same purchasing power:
| In Albany-Schenectady-Troy | In Palm Bay-Melbourne-Titusville | Difference |
|---|---|---|
| $50,000 | $50,220 | +$220 |
| $75,000 | $75,331 | +$331 |
| $100,000 | $100,441 | +$441 |
| $150,000 | $150,661 | +$661 |
$ in Albany-Schenectady-Troy = in Palm Bay-Melbourne-Titusville
Same BEA Regional Price Parity ratio as the table above (99.6 → 100.0), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Palm Bay-Melbourne-Titusville more expensive than Albany-Schenectady-Troy?
Palm Bay-Melbourne-Titusville is 0.4% more expensive than Albany-Schenectady-Troy. The overall cost index is 100.0 vs 99.6 (national average = 100).
What salary in Palm Bay-Melbourne-Titusville equals $100K in Albany-Schenectady-Troy?
A $100,000 salary in Albany-Schenectady-Troy has the same purchasing power as $100,441 in Palm Bay-Melbourne-Titusville. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Albany-Schenectady-Troy and Palm Bay-Melbourne-Titusville?
Rents in Albany-Schenectady-Troy are indexed at 102.6 while Palm Bay-Melbourne-Titusville is at 111.7 (national average = 100). Palm Bay-Melbourne-Titusville has higher rents.
Data sources
- BEA Regional Price Parities (RPP), the cost-of-living indices shown on this page
- U.S. Census Bureau, American Community Survey (ACS), gross-rent observations behind the rents component
- BLS Consumer Price Index (CPI), goods and services price relatives
- BLS Occupational Employment and Wage Statistics (OEWS), labor-driven services component
- HUD Fair Market Rents (FMR), 40th-percentile rent cross-reference
Every figure on PlainCost is rendered directly from BEA Regional Price Parity source data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, our changelog, or report a data error. Data current as of 2026-08-11. Rankings measure the published cost-of-living index only; we don't recommend where to live or rate any metro's quality of life.