Find Your Bearing Start free trial

Melbourne, FL

Year-round Solid

One of the retirement towns we've already researched and scored. Everything below — the citations, the Census figures, the cost-of-living index — is real, not a mockup.

Scores

Golf Outdoor Healthcare Airport Climate Safety Natural Hazard Safety Air Quality Community character Restaurant / Bar Scene
Golf 7.5
Outdoor 8
Healthcare 7
Airport 7
Climate 7.5
Safety 5.5
Natural Hazard Safety 3
Air Quality 6.5
Community character 10
Restaurant / Bar Scene 5.1

Research

AI research, with sources

“Melbourne, FL is a warm, lower-tax Space Coast retirement option with solid healthcare access, easy airport access, and year-round outdoor life, but buyers should weigh hurricane, flood, and insurance exposure.”

Melbourne offers a fairly affordable Florida coastal retirement profile for buyers targeting a comfortable single-family home, with strong sun and outdoor recreation, a local airport, and a county that supports a sizable retiree population. The tradeoffs are Florida's taxes, humid-subtropical climate, hurricane and flood exposure, and the need to shop carefully for insurance and neighborhood-level flood risk.

Cost of living & taxes Florida taxes help, but coastal insurance and housing costs still matter in Melbourne.

Melbourne sits in Florida, so there is no state personal income tax, and Florida's general state sales tax is 6% with Brevard County adding a 0.5% local option surtax for most taxable purchases (Florida DOR[1], Florida DOR[2]). The U.S. Census Bureau reports Melbourne's median household income at $66,356 and median gross rent at $1,411, while the city's population was 86,960 in July 2023 (QuickFacts[3]). A current city-specific groceries index and a city-level property-tax rate for Melbourne are not given here.

Healthcare access Healthcare access is a strong point, with major hospitals and Medicare comparison resources nearby.

The official Medicare Care Compare portal shows that Medicare-certified hospitals can be compared by quality, and it is the right agency source for hospital quality checks (Medicare.gov[4]). Holmes Regional Medical Center is at 1350 S Hickory St in Melbourne, and Orlando Health Melbourne Hospital is at 250 N Wickham Rd, so residents have local acute-care access before needing to travel farther for tertiary care. SeniorHealthDatabase[5], Orlando Health[6] The local hospital network includes cardiology, spine, orthopedics, digestive health, and emergency care, but drive times and Medicare Advantage plan availability are not given here.

Climate & weather Warm, sunny, and humid, with a long outdoor season and little winter cold.

Melbourne's annual precipitation is 51 inches, average summer highs are near 91°F, average winter lows are near 53°F, and annual snowfall is 0 inches. Homes.com local guide[7] That same source describes the area as subtropical and usable for outdoor activity much of the year, which matches the Space Coast's generally mild winter pattern (Homes.com local guide[7]). Official NOAA climate normals for Melbourne are not given here, so the local guide data is used instead.

Crime & safety Safety for Melbourne is best evaluated at the county level, because city-specific FBI reporting was not confirmed.

FBI city violent- and property-crime rates for Melbourne, Florida, and a 3-year trend, are not given here. The safe next step is to use the Brevard County or Florida figures once confirmed on the FBI Crime Data Explorer, rather than substituting a third-party crime-score estimate. Because agency reporting after 2021 can be incomplete, any final crime comparison should explicitly note whether Melbourne's reporting agency appears in the FBI dataset.

Housing market Melbourne, FL offers a mixed housing market for retirees, with sub-$400K citywide medians but higher-priced active-adult enclaves in the metro.

Melbourne city’s median listing price is about $399,000, and the city’s median days on market is 61 days on Realtor.com, while a local MLS-based source puts the median list price at $398,000 and median days to go under contract at 44 days (Realtor.com[8], Momentum MLS[9]). Year over year, Realtor.com shows the median listing price down 2.33% and days on market down 11.77%, which suggests price softening but not a stagnant market (Realtor.com[8]). FHFA’s metro series for Palm Bay-Melbourne-Titusville shows home prices up 2.17% over the past year, so the broader metro is still appreciating even if some city-level listing metrics have eased (FHFA[10]). The market includes retirement-friendly active-adult options, including Suntree and Baytree area product, and one local guide explicitly notes 55-plus communities such as Bridgewater at Viera, Trasona, Capron Ridge, and Baytree in the Melbourne market (Homes.com[11], Momentum MLS[12]).

Airport & travel Melbourne has its own commercial airport, which is a major convenience for a retiree who still flies regularly.

Melbourne Orlando International Airport serves the city, and one result notes flights to several Southeast and Midwest cities as well as the United Kingdom. Orlando Health Melbourne[6], Homes.com local guide[7] That makes Melbourne unusually convenient for a smaller coastal city, especially for people who want to avoid the drive to Orlando for every trip (Homes.com local guide[7]). Drive-time maps and a current direct-route list from Melbourne's airport are not given here.

Golf & recreation Golf and outdoor recreation are a fit for active retirees, though official course counts need a separate golf-source check.

The region offers year-round water recreation, including kayaking, boating, fishing, surfing, and manatee watching along the Indian River Lagoon. Orlando Health Melbourne[6] They also describe Wickham Park as a major local outdoor amenity with a 5-mile paved trail, an 18-hole disc golf course, and an archery range (Homes.com local guide[7]). The number of public golf courses within 30 minutes and typical greens fees for Melbourne are not given here.

Community & demographics Melbourne is a midsize, slightly older-than-average coastal city with a meaningful retiree base.

The U.S. Census Bureau QuickFacts page shows Melbourne's population at 86,960 in July 2023, and the Census Reporter profile puts the city's median age at 42.6 years (QuickFacts[3], Census Reporter[13?] (unconfirmed source)). Census Reporter also reports a population of 87,572, which is consistent with a modestly growing city rather than a large metro core (Census Reporter[13?] (unconfirmed source)). A city-specific retiree-share figure and walkability score for Melbourne are not given here.

Hazard & air quality County-level hazard risk is elevated, with hurricane exposure the central concern for homeowners.

Brevard County's FEMA National Risk Index rating is relatively high, and hurricane risk is a major issue for the county. Annuities.net summary of FEMA NRI[14], Homes.com local guide[7] EPA AirNow annual good-air-day counts and a wildfire-smoke severity metric for Melbourne are not given here. The practical takeaway is that Melbourne buyers should assume hurricane, wind, and flood exposure first, then verify the exact parcel's flood status and insurance pricing before buying.

Sources (15)

Numbered sources are the ones cited inline above.

  1. Florida Sales and Use Tax
  2. Florida county surtax rates
  3. U.S. Census Bureau QuickFacts: Melbourne city, Florida
  4. Medicare Care Compare hospitals
  5. Holmes Regional Medical Center hospital profile
  6. Orlando Health Melbourne Hospital profile
  7. Melbourne, FL City Guide
  8. Realtor.com Melbourne housing market
  9. Momentum MLS Melbourne listings
  10. FHFA House Price Index datasets
  11. Homes.com Melbourne guide
  12. Momentum Melbourne relocation guide
  13. Census Reporter Melbourne profile
  14. West Melbourne retirement guide referencing FEMA risk

Also consulted, not cited inline.

Cost of living

108.4 composite index (100 = U.S. average, general population — an estimate, with no retiree-specific figure). About 8.4% above the national average overall.

Housing123.7
Utilities95.8

U.S. Bureau of Economic Analysis Regional Price Parities, 2024 (as of 2024). Free federal price data, published yearly, converted to the scale of the purchased index used for most towns.
Melbourne is not covered closely by the purchased index used for most towns. This is estimated from federal price levels for the Palm Bay-Melbourne-Titusville, FL metro area, converted to the same scale as the other towns. Treat it as approximate.

Census figures

American Community Survey, 2020–2024 five-year estimates

Measure Figure
Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ 86,576 plus or minus 58
Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ 22.5% plus or minus 1.2 percentage points
Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ $66,991 plus or minus $2,486
Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ $306,400 plus or minus $9,862
Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ $1,525 plus or minus $51
Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ $2,075 plus or minus $140
Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ 27.0% plus or minus 2.5 percentage points

3 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.

Key details

RegionFL
AirportMLB — 15-25 min (regional)
ClimateHumid subtropical; 51 in rain, ~91°F summer highs, ~53°F winter lows, outdoor season year-round
Lot size0.15–0.3 ac, low-maintenance
Home type1,800–2,400 sq ft single-level ranch or coastal patio home
Key watchHurricane and flood insurance; humidity and summer heat; parcel-level flood risk
HealthcareHolmes Regional / Orlando Health Melbourne; serious care = Orlando
Best seasonNovember – April
Top communityViera, Suntree, Indian Harbour Beach, West Melbourne, Melbourne Beach

In your free trial: more on Melbourne

Retirement taxes: No state income tax · Typical home: $550K–$700K

Start your free 14-day trial or take the 2-minute quiz first →

More sample cities