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Melbourne, FL

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Neighborhood intelligence

Your Melbourne relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Melbourne.

Median rent

$1,525/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,779/mo

Median household income

$66,991

ACS 2024 5-year

Median home value

$306,400

ACS 2024 5-year

Safety score

39/100

FBI CDE

Weather

78°F (H 84° / L 72°)

Open-Meteo

Buying in Melbourne? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

39/100

FBI CDE

Worth extra due diligence — 97% above average FBI data, 2020

Below Average

Noise Level

47 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 78°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 61 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Melbourne FL

Melbourne has genuinely comfortable weather: 78°F average with 84°F highs. Combined with $1,525/month rent and 39/100 safety, it makes a strong case for the right mover.

Melbourne has about 86,576 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Melbourne FL Safe?

Melbourne FL scores 39/100 on safety (well below average). Crime is about 97% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 197 (100 = avg); violent crime index 238; property crime index 155. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Melbourne FL

School quality varies by neighborhood in Melbourne. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Melbourne FL

Typical rent in Melbourne is about $1,525/month (moderate). At $1,525/month for a typical unit, you need about $54,900+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $306,400.

Median household income is $66,991, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($66,991) clears the $54,900 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Melbourne FL

Average temperature is about 78°F (highs near 84°F, lows near 72°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Melbourne FL?

Who tends to thrive in Melbourne: (1) Households earning $54,900+ who can clear the 3× rent rule at $1,525/month (2) Movers with a locked job offer in Melbourne who already priced rent and commute (3) Buyers comparing mid-size metros who will tour multiple ZIPs before signing (4) People who will visit on a weekday and a weekend before committing (not just a long weekend)

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 39/100) (2) Households expecting top marks on rent and safety at once (Melbourne does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $54,900 household income for $1,525/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Melbourne requires serious research first. Safety scores 39/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Melbourne when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Melbourne.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$2,124

Mortgage + tax + insurance + HOA

Annual property tax

$4,443

Annual est. $5,580

Est. monthly utilities

$703

Climate-adjusted electric, gas & water

Median home price

$306,400

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$276k
2022
$283k
2023
$291k
2024
$298k
2025
$306k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$599/mo vs buying
$1,525ACS 2024 5-year
Rent
$2,124
Buy

Mortgage

$1,549

Property tax

$370

Insurance

$109

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$4,066/yr

2024

1.37%

$4,188/yr

2025

1.41%

$4,314/yr

2026

1.45%

$4,443/yr

Buying in Melbourne? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

108 (100 = avg)

moderate exposure

Est. annual homeowners insurance

$1,313/yr

moderate exposure
Wind hazard index61 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 78°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $1,313.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Melbourne to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo