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Cape Coral, Florida Retirement Guide
established retirement community
54
Retirement Score
Cape Coral, Florida at a Glance
- Median Home Price
- $379,600
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 57.8°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 54 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$379,600High confidence
U.S. Census ACS 1-Year · Updated June 2026
Median Monthly Rent
$1,801High confidence
U.S. Census ACS 1-Year · Updated June 2026
Taxes
Retirement Tax Score
100 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
5.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
43.2 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
5.9 / 100High confidence
CMS Hospital General Information · Updated June 2026
Climate
Avg July High
90°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
57.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
57.5"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
344 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
98 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
8.6 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
1.1 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
198,912High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
48.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
24.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$72,474High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
77.4%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
8.2%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
24.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
9.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
77.1%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
4.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
24.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
1.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Cape Coral using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$822
Stress-case monthly carrying cost
$924
Median home price used: $379,600
Median rent reference: $1,801 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.