Overall
- Merced
- 98.3
Diff -1.7 RPP
Palm Bay-Melbourne-Titusville vs Merced
Cost of living comparison based on BEA Regional Price Parities. Merced is 1.7% less expensive than Palm Bay-Melbourne-Titusville.
1.7% less expensive
Merced, CA is 1.7% less expensive than Palm Bay-Melbourne-Titusville, FL on BEA Regional Price Parities (overall RPP 98.3 vs 100.0). A $100,000 salary in Palm Bay-Melbourne-Titusville buys about the same as $98,270 in Merced; the largest component gap is services.
- Overall RPP 100.0 (Palm Bay-Melbourne-Titusville) vs 98.3 (Merced)
- $100k in Palm Bay-Melbourne-Titusville ≈ $98,270 purchasing power in Merced
- Services drives the gap (+70.3 RPP points)
RPP parity plate
Pair FL:CA 100.0→98.3
PHOTO-FINISH · CROSS-STATE · SPLIT-BUDGET · BENCH-CROSS · PP-PAR
- PHOTO-FINISH Photo finish
- CROSS-STATE FL × CA
- 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.
Palm Bay-Melbourne-Titusville
100.0
Cost Index
Merced
98.3
Cost Index
What This Comparison Actually Tells You
Palm Bay-Melbourne-Titusville, FL and Merced, CA are a photo finish on overall price level, only 1.7 RPP points apart. A salary conversion is therefore a fine adjustment, not evidence of a fundamentally different cost regime.
Services creates the largest separation: Merced is 70.3 points higher. 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 Merced 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 Palm Bay-Melbourne-Titusville to $98,270 in Merced, but it is not a personal spending weight.
Category Breakdown
Goods
- Merced
- 105.2
Diff +8.9 RPP
Services
- Merced
- 158.3
Diff +70.3 RPP
Rents
- Merced
- 78.6
Diff -33.1 RPP
| Category | Palm Bay-Melbourne-Titusville | Merced | Difference |
|---|---|---|---|
| Overall | 100.0 | 98.3 | -1.7 |
| Goods | 96.2 | 105.2 | +8.9 |
| Services | 88.1 | 158.3 | +70.3 |
| Rents | 111.7 | 78.6 | -33.1 |
Visual Comparison
Overall
Palm Bay-Melbourne-Titusville 100.0
Merced 98.3
Goods
Palm Bay-Melbourne-Titusville 96.2
Merced 105.2
Services
Palm Bay-Melbourne-Titusville 88.1
Merced 158.3
Rents
Palm Bay-Melbourne-Titusville 111.7
Merced 78.6
Vertical line = national average (100)
Salary Equivalents
What a salary in Palm Bay-Melbourne-Titusville would need to be in Merced for the same purchasing power:
| In Palm Bay-Melbourne-Titusville | In Merced | Difference |
|---|---|---|
| $50,000 | $49,135 | $-865 |
| $75,000 | $73,703 | $-1,297 |
| $100,000 | $98,270 | $-1,730 |
| $150,000 | $147,405 | $-2,595 |
$ in Palm Bay-Melbourne-Titusville = in Merced
Same BEA Regional Price Parity ratio as the table above (100.0 → 98.3), computed live from your number, nothing is sent anywhere.
Frequently Asked Questions
Is Merced more expensive than Palm Bay-Melbourne-Titusville?
Merced is 1.7% less expensive than Palm Bay-Melbourne-Titusville. The overall cost index is 98.3 vs 100.0 (national average = 100).
What salary in Merced equals $100K in Palm Bay-Melbourne-Titusville?
A $100,000 salary in Palm Bay-Melbourne-Titusville has the same purchasing power as $98,270 in Merced. This is based on the BEA Regional Price Parity indexes.
How do rents compare between Palm Bay-Melbourne-Titusville and Merced?
Rents in Palm Bay-Melbourne-Titusville are indexed at 111.7 while Merced is at 78.6 (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.