SOC 15-1252

Software Engineer Salary in Palm Bay-Melbourne-Titusville, FL (2026)

Data updated · Sources: BLS OEWS May 2025, HUD FY 2027 Fair Market Rents, EPI 2026 Family Budget, 2026 tax tables · Methodology

Tax Tables: 2026 Fed + FL
COL Index: 109.55 (+9.5% vs US)
Net Compensation Yield 72.3% Realized
$95,316 / net annual direct deposit
Gross Adjusted $131,760 $63.35/hr
Effective Tax Drag 21.66% Combined Jurisdictions
Marginal Top Bracket 24% Federal Statutory
Total Withheld -$28,539 $1,097.64/check
Category 1 of 6

Wage Benchmarking & After-Tax Paycheck Engine

Dynamic statutory tax calculations based on IRS Publication 15-T and state statutory schedules.

$
2,080 annual statutory base hours $63.35 / hour
0 hrs/wk (+$0/yr)
0 hrs (Standard) 10 hrs OT 20 hrs OT 25 hrs Max
6% (-$7,906/yr)
0% Tax Shield: ~$1,897/yr 15% (IRS limit: $24,500)
Itemized Statutory Withholdings Ledger
Federal Income Tax (IRS)
Progressive 10%–37%
-$18,459
Social Security (FICA OASDI)
Statutory 6.20% (Cap $184,500)
-$8,169
Medicare Hospital Insurance
Statutory 1.45%
-$1,911
Florida Individual Income Tax
State Marginal Bracket
-$0
Net Take-Home Annual Realized
$95,316 ($3,665.99 / check)
Category 2 of 6

Palm Bay-Melbourne-Titusville, FL Software Engineer Wage Distribution

Bureau of Labor Statistics Occupational Employment and Wage Statistics (OEWS) Percentiles & Career Ladders

Your Salary: $131,760
MIDDLE 50% (IQR RANGE) 10th $81.8k 25th $102k Median: $131,760 50th (Median) $132k 75th $163k 90th $200k You: $131,760
10th (Entry) $81,760 $39.31/hr
25th (Junior) $101,910 $49.00/hr
50th (Median) $131,760 $63.35/hr
75th (Senior) $163,040 $78.38/hr
90th (Lead/Master) $200,340 $96.32/hr
Career Progression & Licensing Milestones for Software Engineer in Palm Bay-Melbourne-Titusville, FL
1
Junior Software Engineer (L3)CS degree or equivalent bootcamp/portfolio, foundational data structures
$85,753$41.23/hr · 0-2 Years
2
Mid-Level Software Engineer (L4)Independent feature delivery, system design, CI/CD and DB optimization
$124,028$59.63/hr · 2-5 Years
3
Senior Software Engineer (L5)Architectural leadership, cross-team design reviews, mentorship
$166,662$80.13/hr · 5-8 Years
4
Staff / Principal Engineer (L6)Company-wide tech strategy, distributed system fault tolerance, high scale
$220,924$106.21/hr · 8+ Years
Scaled to the Palm Bay-Melbourne-Titusville, FL medianView National Software Engineer Salary Data
Category 3 of 6

HUD Fair Market Rent & EPI Living Wage Affordability Index

Evaluating housing affordability vs. net take-home pay in Palm Bay-Melbourne-Titusville, FL under the HUD 30% housing cost guideline.

Rent-to-Take-Home Ratio (HUD 30% Standard)
19% of Net Income
✓ Passes 30% Housing Affordability Standard
HUD Fair Market Rent (1-Bedroom) $1,525/month Requires minimum annual gross of $61,000
HUD Fair Market Rent (2-Bedroom) $1,779/month Requires minimum annual gross of $71,160
Hourly Living Wage Benchmark (EPI model)
1 Adult Earner: $24.23/hr
Per adult, 2 working adults + 1 child: $21.64/hr
Category 4 of 6

Hourly Wage to Annual & Overtime Matrix

Translating base hourly pay and 1.5× overtime into net take-home pay based on 2,080 annual work hours in Palm Bay-Melbourne-Titusville, FL.

Swipe horizontally to inspect full pay schedule
Schedule Total Hours/Wk Gross Annual Est. Taxes Net Take-Home Bi-Weekly Check
Standard (40 hrs)40 hrs$131,760-$28,539$95,316$3,665.99
+5h Overtime/Wk45 hrs$156,465-$36,002$111,075$4,272.12
+10h Overtime/Wk50 hrs$181,170-$43,465$126,834$4,878.24
+15h Overtime/Wk55 hrs$205,875-$49,656$143,866$5,533.31
+20h Overtime/Wk60 hrs$230,580-$55,810$160,935$6,189.80
Category 5 of 6

Interstate MSA Relocation & State Tax Migration Comparator

Calculate required compensation, cost-of-living differences, and annual state/local tax savings between two metropolitan areas.

Equivalent Salary in Austin, TX $83,505 Cost of Living Ratio: 69.6%
Annual State & Local Tax Delta +$8,331/yr Tax savings in Austin-Round Rock-San Marcos, TX
Annual Rent Difference (1BR) -$17,676/yr Based on HUD Fair Market Rents
Net Discretionary Cash Flow Impact

Combining state tax savings and annual rent variance when relocating from San Francisco-Oakland-Fremont, CA to Austin-Round Rock-San Marcos, TX.

+$26,007/year
Category 6 of 6 · Executive Economic Briefing
2026 Fiscal Intelligence

Software Engineer in Palm Bay-Melbourne-Titusville, FL: Compensation & Purchasing Power Briefing (2026)

Estimates compiled from BLS OEWS wages, IRS 2026 withholding rules, HUD Fair Market Rents, and Florida tax codes.

Market Baseline
$131,760/yr
$63.35/hr · SOC 15-1252
Statutory Tax Drag
21.66% Effective
-$28,539 in Total Taxes
HUD 1BR Shelter Ratio
19% Net Pay
✓ Passes 30% HUD Rule
Monthly Discretionary
+$6,418/mo
Post-$1,525/mo 1BR Rent

Key Economic & Compensation Takeaways

Statutory Withholding Architecture

Frequently Asked Questions

Verified Government Data Sources & Statutory Attribution

Wages sourced from US Bureau of Labor Statistics (BLS OEWS). Rents calibrated to HUD Fair Market Rents. Tax schedules calibrated to IRS IRC Title 26, IRS Pub 15-T, and state statutory revenue codes.

BLS OEWS May 2025 HUD FY2027 FMR IRS 15-T
Metro Pay Comparison SOC 15-1252
2026 Statutory Thresholds
  • Federal Standard Deduction (Single) $16,100
  • FICA OASDI Wage Base Cap $184,500
  • Pre-Tax 401(k) Elective Deferral $24,500
  • HSA Individual Annual Limit $4,400

Software Engineer in Palm Bay-Melbourne-Titusville, FL: Market Snapshot

Software Engineer roles in Palm Bay-Melbourne-Titusville, FL report a median annual wage of $131,760, 3.1% below the national median of $135,980. The 10th to 90th percentile band runs from $81,760 to $200,340, and HUD’s $1,525 monthly one-bedroom fair market rent equals 13.9% of that median gross pay. The single-adult living wage benchmark for the area is $24.23 per hour.

Highest-paying metropolitan areas for Software Engineer

Metropolitan areaMedian annual wageVs this market
San Jose-Sunnyvale-Santa Clara, CA$213,110+61.7%
San Francisco-Oakland-Fremont, CA$186,640+41.7%
Seattle-Tacoma-Bellevue, WA$167,280+27.0%
New York-Newark-Jersey City, NY-NJ$166,830+26.6%
Boston-Cambridge-Newton, MA-NH$166,090+26.1%
Boulder, CO$164,560+24.9%
San Diego-Chula Vista-Carlsbad, CA$163,270+23.9%
Bridgeport-Stamford-Danbury, CT$162,650+23.4%
Manchester-Nashua, NH$162,090+23.0%
Los Angeles-Long Beach-Anaheim, CA$160,920+22.1%

Top-paying occupations benchmarked in Palm Bay-Melbourne-Titusville, FL

OccupationMedian annual wageMedian hourly
Architectural and Engineering Managers$175,490$84.37/hr
Chief Executives$175,070$84.17/hr
Computer and Information Systems Managers$172,020$82.70/hr
Marketing Managers$161,630$77.71/hr
Financial Manager$160,910$77.36/hr
Human Resources Managers$156,300$75.14/hr
Purchasing Managers$150,530$72.37/hr
Data Engineer$150,330$72.27/hr
Natural Sciences Managers$133,620$64.24/hr
Sales Managers$132,950$63.92/hr

Wage data: U.S. Bureau of Labor Statistics OEWS May 2025, 377 metropolitan areas publishing this occupation; HUD FY2027 Fair Market Rents; EPI Family Budget Calculator. Taxes use 2026 federal and state rules. Data last updated .

Regional Labor Market & Career Mobility Network

Explore adjacent occupations and neighboring metropolitan wage benchmarks for peer compensation analysis.

Software Engineer Salary in Palm Bay-Melbourne-Titusville, FL (2026) Overview

Software Engineer median pay in Palm Bay-Melbourne-Titusville, FL is $131,760 a year ($63.35/hr). See take-home pay after 2026 taxes, BLS wage percentiles, HUD. Official 2026 economic data for Software Engineer in Palm Bay-Melbourne-Titusville, FL compiled from Bureau of Labor Statistics OEWS surveys, HUD Fair Market Rents, and statutory tax codes.

Quick answers
What is the median salary for a Software Engineer in Palm Bay-Melbourne-Titusville, FL?

The median annual wage is $131,760 ($63.35 per hour). The middle 80% of earners make between $81,760 and $200,340. Source: BLS OEWS (May 2025).

What is the take-home pay for a Software Engineer in Palm Bay-Melbourne-Titusville, FL after taxes?

On the median wage of $131,760, a single filer with no pre-tax deductions takes home about $101,324 a year ($8,444 a month) after $30,436 in federal, FICA, state and local taxes, an effective rate of 23.1%, using 2026 tax rules.