Exposure to environmental stress can impact health and affect well-being. Specific populations, such as low-income and minority women, may experience increased exposure to environmental stress and be at a higher risk of related health impacts. In order to better characterize susceptibility to stress and the related health effects, it is necessary to quantify the exposure. Exposure to stress triggers the release of the hormone cortisol, allowing it to be used as a biomarker. The objective of this study was to evaluate acute and chronic salivary cortisol levels within- and between-individuals and communities specifically characterizing the stress responses within a Hispanic agricultural community and a low-income non-Hispanic urban community. Saliva samples were taken from 27 Hispanic women living in an agricultural setting and 28 non-Hispanic women living in an urban environment. To measure short-term variability within- and between-individuals, four saliva samples were collected five times per day for two consecutive days. To measure long-term variability, a second set of samples was collected ten weeks later. Samples were collected by placing an oral swab in the mouth for one minute. Cortisol concentrations were quantified using a cortisol enzyme-linked immunosorbent assay (ELISA). We evaluated daily average salivary cortisol concentrations and diurnal indexes from samples taken consecutively and ten weeks apart to characterize acute and chronic within-individual variability. Similar evaluations were made within the agricultural and urban communities to better understand between-individual variability. On average, we found evidence of diurnal variation in both the agricultural and urban communities. Within individual variability was substantial in both communities as well, both on the short and long-term. These analyses support evidence that in order to evaluate differences in environmental stress exposure between as well as within individuals, robust biomonitoring methods are needed to fully characterize different levels of cortisol.