Calgary vs Cape Coral: which should you move to?
Calgary or Cape Coral? Housing, rent, crime, climate, income, taxes and transit, side by side, from each city's own published figures. Written for someone deciding where to live, not for a ranking.
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The two housing bills are in different currencies, and held against local pay Calgary's is the lighter. Mortgage, property tax and insurance come to about $3,005 CAD a month on Calgary's benchmark, roughly 37% of the city's 2020 median household income, and about $3,056 USD on the Royal Palm Coast Realtor Association's Cape Coral region median, roughly 43% of the City of Cape Coral's 2024 median. The Cape Coral house is the smaller multiple of income, about 4.6 times against 5.8, but it is carried at 7.28% against 4.34%, taxed at an effective 1.38% of value against 0.665% and insured at an estimated $475 a month. Homicide is rare in both, 15 in Calgary in 2025 at about 1.0 per 100,000 and 2 in Cape Coral in 2023, the last full year the FBI has for the city, at about 0.9. Cape Coral has the lower unemployment, 5.2% in July 2026 on an unadjusted count against 6.8%, no state income tax and an 18.2 C January. Calgary has the train, the busier airport and coverage that comes with residency, where Cape Coral puts 0.2% of commuters on transit. Choose Cape Coral for a warm winter on a grid of canals, if you can budget for hurricane season and drive everywhere. Choose Calgary for a CTrain to work, public health care and a dry 16.9 C July.
Calgary prices are in CAD and Cape Coral prices are in USD. The tables leave them in their own currency and compare ratios and rates instead; a conversion would be stale by the time you read it.
| Measure | Calgary | Cape Coral | Advantage |
|---|---|---|---|
| City population | 1,306,784 (2021) | 236,264 (2025) | Not directly comparable |
| Metro population | 1,836,012 (2025) | 875,607 (2025) | Not directly comparable |
| Five-year growth Growth is pressure on rents and roads as much as it is opportunity, so it is reported without a winner. | 5.5% (2016-2021) | 21.8% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | Calgary | Cape Coral | Advantage |
|---|---|---|---|
| Benchmark home price MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's. | $569,200 (July 2026) | $389,950 (August 2026) | Not directly comparable |
| Detached house benchmark Cape Coral publishes a single house index rather than a composite, so the two rows repeat. | $743,900 | $389,950 | Not directly comparable |
| Apartment or condominium benchmark | $297,600 | $191,729 | Not directly comparable |
| Two-bedroom rent | $1,908/mo (average, October 2025) | $1,186/mo (median, September 2026) | Not directly comparable |
| One-bedroom rent | $1,581/mo | $1,032/mo | Not directly comparable |
| Two-bedroom rent against median income A year of two-bedroom rent as a share of the median household income below. A household paying the median rent out of the median income is a fiction, but it is the same fiction in both columns and it crosses currencies. | 23.4% of a year's income | 16.6% of a year's income | Cape Coral |
| Mortgage payment on the benchmark, 20% down 25 years in Calgary against 30 in Cape Coral, each compounding the way its own country's lenders do. The rates are not a spread you can shop: they are what each market charges. | $2,480/mo at 4.34% | $2,134/mo at 7.28% | Not directly comparable |
| Price to household income Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not. | 5.8× | 4.6× | Cape Coral |
| Property tax on the benchmark home The effective rate on market value, which is what the two rates have in common and what the Advantage column is decided on; the bills are in each city's own dollars. | $3,785/yr (0.665%, 2026) | $5,362/yr (1.375%, 2025) | Calgary |
| Transfer tax on the benchmark home Compared as a share of the price. Where the seller pays it, it is a cost of leaving rather than arriving. | None | $2,730 (seller pays) | Calgary |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | No cap on the amount | Forbidden by state law | Not directly comparable |
Calgary: The 2026 municipal rate of 0.38906% plus the provincial education rate of 0.27593%, applied to the assessed value. Cape Coral: About 1.38% of the price for a homesteaded owner, worked out on the $389,950 single-family median for the Royal Palm Coast Realtor Association's Cape Coral region, which is lower than the 15.3806 mills a house in the City of Cape Coral is charged because of Florida's homestead exemption rather than any assessment lag. Thirteen levies make it: Lee County 3.7623 for general revenue; the Lee County School District 5.3190 (2.2480 set by its board and 3.0710 by state law); the City 5.1471 for operations and 0.1608 for its voted parks bond; the county's All Hazards Protection District 0.0693 and Library District 0.4218; the South Florida Water Management District 0.0948, 0.1026 for the Okeechobee basin and 0.0327 for the Everglades Construction Project; the Hyacinth Control District 0.0192; the Mosquito Control District 0.2116; and the West Coast Inland Navigation District 0.0394, for 2025. There is no fire district line: the City pays for fire service with an assessment instead. The school lines are charged on the price less $25,000, $364,950, and the rest on the price less a second slice as well, $339,950 on the base amounts, so a homesteaded buyer's first bill is about $5,362. Without a homestead, as a landlord or a buyer who never files, the same house owes $5,998. That second slice is indexed to inflation: the Department of Revenue published $25,722 for 2025, which brings the same bill to $5,354; this page uses the $25,000 base, like every Florida page on this site and like the Lee County Property Appraiser's own pamphlet. For 2026 the Council capped the City's operating rate at 5.1988, the rolled-back rate, and set the parks bond levy at 0.1554. The exemption is not automatic: you file with the property appraiser by 1 March. Three City assessments come on the same bill and no exemption reduces them: for 2025-26, fire service at $349.32 a parcel plus $3.47 for each $5,000 of structure value, $540.17 on a house whose structure is valued at $275,000; stormwater at $156; and solid waste at $384.25, about $1,080 a year together. The seller's tax bill is not a guide to yours. Save Our Homes caps a homesteaded property's assessed value at 3% growth a year, and that cap resets to full market value the January after the sale, so a long-tenured owner can be taxed on a fraction of what you will be taxed on for the same house. Ask the property appraiser what the assessment would be at your purchase price, not what the current bill is.
How safe each city is, by the numbers it publishes
Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.
| Measure | Calgary | Cape Coral | Advantage |
|---|---|---|---|
| Crime Severity Index Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series. | 61.7 (2025) | Not published | Not directly comparable |
| Violent crime per 100,000 Canada counts every violent Criminal Code incident; the FBI counts four offences. The Canadian figure is always the larger one for that reason alone. | 1,086 (2025) | 122 (2023) | Not directly comparable |
| Property crime per 100,000 | 3,328 (2025) | 918 (2023) | Not directly comparable |
| Homicides Counts, not rates, and a single year in a small city moves a long way on chance alone. What each figure covers is under the table. | 15 (2025) | 2 (2023) | Not directly comparable |
The CMA Crime Severity Index fell again in 2025 (61.7, down 3%) and sits well below the national 75.0, and homicides hit a ten-year low of 15. Police-counted violent crime still rose 4% over 2024 and 16% over the five-year average, driven by assaults, and property crime rose in 2025 on theft and fraud while staying below 2019 levels.
What the rates cover: Calgary Police Service 2025 crime report, city of Calgary, violent crime victims per 100,000 (16,973 victims; 1,082 in 2024). CPS counts violence by victims, not incidents.
Homicides: Calgary Police Service, city of Calgary, 2025; rate 1.0 per 100,000. Prior years: 21 (2024), 24 (2023), 27 (2022), 21 (2021), 34 (2020). Lowest count in ten years; fatal shootings fell to 2 from 7.
Down, on every count that exists, though no FBI or state count covers 2025. On the FBI CDE's figures violent offenses fell from 403 in 2022 to 277 in 2023, about 185 and 122 per 100,000 on each year's Vintage 2025 population, and January to October 2024 brought 236, which at that pace would be about 2023's level. FDLE's incident-based file, which counts somewhat differently (its forcible sex offenses include fondling, and its assault totals run higher), shows the same direction: 420 violent offenses in 2022, 357 in 2023 and 243 in 2024, about 104 per 100,000 in the last year, and property offenses from 2,555 in 2023 to 1,980 in 2024. For 2025 there is only the department's own word: it reported overall crime down 28% in the first half of the year, 1,487 cases against 2,076, with thefts down from 850 to 612 and no homicides (Cape Coral Police Department), and its 2025 annual report claims a 28% reduction for the year and calls the city the second-safest in Florida of those over 150,000, without publishing the counts behind either. The CDE counts were read on 2 October 2026 from a feed last refreshed on 15 September, and why the department's data stop at October 2024 was not found.
What the rates cover: Computed: 277 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Cape Coral Police Department (ORI FL0360200) in calendar 2023, divided by the 227,458 Vintage 2025 estimate for July 2023; on the CDE's own agency population of 228,672 the rate is 121. 2023 is used, not the 2025 the other Florida profiles use, because it is the last calendar year the FBI carries in full for this department: the CDE has every month of 2022 and 2023, January to October 2024, and nothing from November 2024 on, and the Florida Department of Law Enforcement's incident-based (FIBRS) offense file, the state system that feeds the FBI, has the department for every month of 2022 to 2024 and not at all for 2025 or 2026. No FBI rate exists for 2025, as for Orlando after 2022. On 2023's figure Cape Coral has the lowest violent crime rate of the Florida cities this site compares, a little below Port St. Lucie's 130 for 2025, a third of Miami's 359 and a quarter of St. Petersburg's 502.
Homicides: 2 murders and nonnegligent manslaughters in 2023 in the FBI CDE, about 0.9 per 100,000 on the city population. The CDE series is 4 in 2022, 2 in 2023 and 5 in January to October 2024; FDLE's file has 4, 4 and 5 for the three full years. The department reported no homicides in the first half of 2025, against three in the first half of 2024 (Cape Coral Police Department). Port St. Lucie had 4 in 2025, St. Petersburg 9 and Tampa 17.
Winters, summers and what the weather can do to a house
| Measure | Calgary | Cape Coral | Advantage |
|---|---|---|---|
| January mean | -7.6 °C | 18.2 °C | Not directly comparable |
| July mean | 16.9 °C | 28.4 °C | Not directly comparable |
| Precipitation a year | 445 mm | 1,458 mm | Not directly comparable |
| Snowfall a year | 139 cm | 0 cm | Not directly comparable |
| Sunshine a year | 2,396 hours | Not published | Not directly comparable |
Environment and Climate Change Canada 1991-2020 normals, Calgary Int'l A (climate ID 3031093): January daily mean -7.6 C, July 16.9 C, 445.4 mm precipitation, 138.7 cm snowfall. Sunshine is not published in the 1991-2020 set; 2,396.3 hours is from the 1981-2010 normals for the same station. Chinook winds bring abrupt winter thaws.
Hazards: Summer hail is the costliest recurring hazard (major storms in 2020 and 2024), the Bow and Elbow rivers flooded the core in June 2013, wildfire smoke now degrades air quality most summers, and hard cold snaps reach below -30 C.
NOAA NCEI 1991-2020 normals for Fort Myers Page Field (station USW00012835), the general aviation airport in Fort Myers about 9 miles east-southeast of the city's center across the Caloosahatchee River. No station inside Cape Coral has 1991-2020 normals, and of the two Fort Myers airports with full temperature and precipitation normals Page Field is the nearer; Southwest Florida International (USW00012894) is about 17 miles southeast and farther inland. January mean 64.7F, July mean 83.2F, annual mean 75.4F, 57.41 in of precipitation. Neither airport's normals carry snowfall, so the 0.0 in of snow stored here is the normal at the nearest cooperative station that has one, Punta Gorda 4 ESE (USC00087397), about 19 miles north. August is the warmest month at 83.4F, with a mean high of 91.7F; January's mean low is 54.3F. August (10.43 in), June (9.66 in) and July (9.38 in) are the wettest months, and June through September bring 38.47 in, 67% of the year; February and November (1.78 in each) are the driest. The normals count 120.3 days a year at 90F or above, none at 100F and 0.1 nights at or below freezing. Converted here to 18.2 C, 28.4 C, 1,458 mm and 0 cm. Southwest Florida International agrees closely: 64.6F in January, 82.7F in July, 53.39 in a year and 119.1 days at 90F. Cape Coral's January is the warmest of the Florida cities this site compares except Miami's (68.6F), two and a half degrees above St. Petersburg's 62.2F and Port St. Lucie's 62.3F, and its rain is second only to Miami's. Sunshine is not stored: Current Results' US city table, the source and 1961-1990 basis of the other US profiles' sunshine hours, lists no Fort Myers or Cape Coral station, and the 1991-2020 normals do not include sunshine; the 355 days of sunshine Wikipedia repeats is a promotional figure, not a measured total.
Hazards: Storm surge and wind from hurricanes are the defining hazards, and Hurricane Ian in 2022 is the measure of them. Ian came ashore on Cayo Costa, the barrier island off Pine Island west of the city, on 28 September 2022 with sustained winds of 130 kt (150 mph), a high category 4, and again near Punta Gorda an hour and a half later (National Hurricane Center). Its surge put 6 to 9 ft of water above ground in Pine Island, Cape Coral and the other communities at the mouth of the Caloosahatchee, and the US Geological Survey's sensors in Matlacha and Cape Coral were lost or destroyed before they could record a peak; the NOS tide gauge in downtown Fort Myers, across the river, measured 7.26 ft above mean higher high water. Storm surge killed 41 people, 36 of them in Lee County, and in Lee County at least 52,514 structures were affected, 5,369 destroyed and 14,245 with major damage; Ian did $112.9 billion of damage in the US, $109.5 billion of it in Florida, the costliest hurricane in the state's history (NHC). Page Field recorded a gust of 67 mph on 28 September before it stopped reporting; its highest gust since 2010 is 84 mph, on 10 September 2017. Heat is long rather than extreme: 120.3 days a year at 90F or above on the normals, almost twice St. Petersburg's 70.9 and Port St. Lucie's 66.8, and none at 100F (37.8 C). Page Field recorded 168 such days in 2023, the most in its record since 2010, and 134 in 2026 through 28 September. Frost is all but unknown: one night at or below 32F (0 C) since 2010, 31F on 11 January 2010, and a lowest reading of 34F in 2026 on 1 February.
What people earn and what the government takes
| Measure | Calgary | Cape Coral | Advantage |
|---|---|---|---|
| Median household income | $98,000 CAD (2020) | $85,584 USD (2024) | Not directly comparable |
| Unemployment rate Statistics Canada and the Bureau of Labor Statistics define unemployment slightly differently; the Canadian measure runs about a point higher on the same labour market. | 6.8% (July 2026) | 5.2% (July 2026) | Not directly comparable |
| Sales tax | 5% | 6.5% | Calgary |
| Top marginal income tax Federal plus provincial or state. The American figure leaves out payroll taxes and the cost of health insurance, both of which a Canadian household covers through the tax it pays here. | 48% | 37% | Cape Coral |
| Income tax on $100,000, single filer Computed from each jurisdiction's brackets at a single filer's $100,000 and rounded to the dollar, so a gap of a dollar is rounding rather than tax. Two cities in one province or state are shown as Even, because there the two cells describe the same tax and whatever separates them is method. | $21,733 CAD | $13,449 USD | Not directly comparable |
Calgary's unemployment rate has run above the national rate through 2025 and 2026 even as Alberta posted the largest proportional year-over-year employment gain among provinces (+91,000, +3.5%) to July 2026; fast in-migration keeps the labour force growing faster than hiring.
Main sectors: Oil and gas head offices and energy services, Finance, engineering and professional services, Logistics and distribution (YYC cargo, rail, inland port), Technology and agri-food, Health care and education.
Alberta has no provincial sales tax, no payroll tax and no land transfer tax; Calgary levies municipal property tax on assessed value.
BLS counted 311,300 nonfarm jobs in the Cape Coral-Fort Myers MSA in August 2026 (not seasonally adjusted, preliminary), up 1,500 or 0.5% on the year. Private education and health services (+1,500, or 2.8%, to 55,400) and leisure and hospitality (+1,500, or 3.8%, to 41,200) added the most, then professional and business services (+1,100, or 2.5%, to 45,900), while government lost 2,400 (-7.8%, to 28,500), all of it in local government (down 10.6% to 20,300), and mining, logging and construction 300 (to 40,900). The city's own employment picture is a commuter town's: the ten principal employers in its 2025 financial report, led by the school district (2,563), Lee Health (2,015), the City (1,969) and Publix (1,370), employ 10,442, about 9.5% of the people working in the city on the City's count, and the list is almost unchanged from 2016's except that a regional VA clinic and Lowe's have left it and the water park and the Westin have joined. Most residents work elsewhere: 54% of the city's workers (58,022 of 108,333) worked outside the city in 2024, though only 9.8% (10,604) outside Lee County, against 40% for Port St. Lucie. 16.3% worked from home, and the mean commute for the rest was 32 minutes, seven more than St. Petersburg's, with 11% spending an hour or more (ACS 2024 1-year, B08007, B08008, B08013, B08101 and B08303).
Main sectors: Construction and real estate: mining, logging and construction held 40,900 of the metro's 311,300 nonfarm jobs in August 2026, 13%, about twice the share in the Tampa-St. Petersburg metro, in a city still building out lots platted in the 1950s and 1960s and rebuilding after Ian; Home Depot (559) is among the city's ten largest employers, Health care: Lee Health, the county's hospital system and Cape Coral Hospital's operator, is the city's second-largest employer (2,015 staff in the city), in a metro sector (private education and health services, 55,400 jobs) that added 1,500 jobs over the year, Retail: Publix (1,370 staff in the city), Walmart and Sam's Club (700) and Home Depot, in a metro with 42,500 retail jobs, Public schools and government: the Lee County School District (2,563 staff in the city, the largest employer), the City of Cape Coral (1,969) and the City's own charter school system (371), while metro local government lost 2,400 jobs over the year, Leisure and tourism: Sun Splash Family Water Park (300) and the Westin resort (200) among the city's ten largest employers, boating on the canals, and the beaches of Sanibel and Fort Myers Beach nearby (leisure and hospitality, 41,200 metro jobs, up 3.8% on the year).
Property tax is the local levy that matters. Tax Foundation puts Florida's effective property tax rate on owner-occupied homes at 0.78%, and a homestead exemption takes as much as $50,000 off a permanent residence's taxable value, with the Save Our Homes limit on how fast its assessment can rise (Florida Department of Revenue). A house in the City of Cape Coral (Lee County taxing district 057) paid 15.3806 mills for 2025 on the Lee County Property Appraiser's millage book, of which the City's own rates are 5.1471 for operations and 0.1608 for its voted parks bond. The total is low partly because there is no fire district line: the City pays for fire service with a per-parcel assessment that, with stormwater and solid waste, comes on the same bill and is not reduced by any exemption. On 22 July 2026 the City Council voted 7 to 1 to cap the fiscal 2027 operating rate at 5.1988 mills, the rolled-back rate, on a taxable value of $33.1 billion, with final adoption set for 24 September (Gulfshore Business). The Royal Palm Coast Realtor Association's single-family median for its Cape Coral region was $389,950 in August 2026, up 6.1% from $367,500 a year earlier, while Zillow's typical home value for the city was $335,825, down 3.9%, and its observed rent $1,949; the bills, assessments, insurance and flood exposure that follow from them belong to the housing layer.
Whether you need a car
| Measure | Calgary | Cape Coral | Advantage |
|---|---|---|---|
| System | Calgary Transit (CTrain light rail Red and Blue lines, MAX bus rapid transit, bus network); Green Line LRT under construction | LeeTran, the Lee County Transit Department's bus system, serving Cape Coral, Fort Myers, Bonita Springs, Fort Myers Beach and much of unincorporated Lee County, Monday to Saturday from about 5 a.m. to 9:45 p.m. with reduced Sunday service and trolleys (Wikipedia). Wikipedia's Cape Coral article counts 18 fixed routes, six of them within Cape Coral. There is no passenger rail and no bus rapid transit, and the city is on a peninsula: it reaches Fort Myers and the rest of the county by two bridges across the Caloosahatchee, the Cape Coral Bridge, opened in 1964, and the Midpoint Memorial Bridge, and by road through North Fort Myers. Lee County and the City plan to replace the Cape Coral Bridge's 1964 westbound span with a $185 million six-lane project that also removes the toll booth on the Fort Myers side (Wikipedia). | Not directly comparable |
| Commute by public transit | 8.8% (2021) | 0.2% (2024) | Calgary |
| Walk or cycle to work | 5.1% (2021) | 1.0% (2024) | Calgary |
| Airport | Calgary International Airport, YYC, 19.4 million passengers in 2025 (record; 18.9 million in 2024), 108 destinations | Southwest Florida International Airport (RSW), owned by the Lee County Port Authority and opened in 1983 southeast of Fort Myers, about 17 miles from the city's center, handled a record 11,154,458 passengers in 2025, a little more than 1% above 2024's record (WGCU; Wikipedia), with Delta, Southwest, American and United the largest carriers. Page Field, in Fort Myers about 9 miles away, serves general aviation. | Not directly comparable |
93.1 million trips in 2025 under the new automated passenger counting method, versus 93.7 million restated for 2024 (RouteAhead Annual Status Report 2025, May 7, 2026). Earlier published totals used a different method and are not comparable.
LeeTran carried 1,969,906 unlinked trips in 2025 on the National Transit Database's monthly ridership file (Federal Transit Administration), 1,758,231 of them on its buses and the rest on demand-response service. That is less than half its peak of 4,222,649 in 2013 and below the 3,156,405 of 2019; ridership fell to about 1.9 to 2.0 million a year from 2020 and has stayed there, and January to August 2026 ran 2.3% above the same months of 2025. Wikipedia's figure for 2025, 1,831,800, counts a narrower set of services. For comparison, Port St. Lucie's Area Regional Transit carried 825,588 trips in 2025 and St. Petersburg's PSTA 10.4 million (their profiles, from the same file).
Health care, schools and what each city is like
Health care
Care is paid for through the Alberta Health Care Insurance Plan, which is free at the point of use for residents and covers physician and hospital services but not most prescriptions, dental or vision, so employer plans matter; the province split Alberta Health Services into separate acute care, primary care and continuing care agencies in 2024 and 2025, and finding a family doctor and waiting for specialists and elective surgery are the common complaints. Major hospitals are Foothills Medical Centre, Peter Lougheed Centre, Rockyview General, South Health Campus and Alberta Children's Hospital.
Education
The University of Calgary is the city's research university, with Mount Royal University, SAIT and Bow Valley College alongside it. K-12 is run by two publicly funded boards, the Calgary Board of Education and the Calgary Catholic School District, plus francophone boards and a sizeable provincially funded charter school sector; enrolment growth has outrun school construction in the newer suburbs.
Living there
Calgary is a spread-out, car-oriented city of single-family suburbs around a compact office core that still has high vacancy from the oil downturn, with the Rockies an hour west and a river-path network that people actually use. Winters are long but sunny and broken by chinooks, and the economy and housing market both swing with oil prices and with the in-migration surges that have made it one of Canada's fastest-growing metros since 2022.
Health care
Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Florida is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF). Florida's uninsured rate was 10.9% in 2024, against 8.2% nationally, on the ACS 2024 1-year estimates; the City of Cape Coral's was 9.4% (21,762 of 232,206), below Lee County's 13.2% and close to Port St. Lucie's 9.9%. Hospital care in the county is Lee Health's: the system, which runs four acute care hospitals and two specialty hospitals, was a public special district until Lee County approved a mission agreement on 28 October 2024 and it became a private nonprofit, Lee Health System, Inc., on 1 November 2024, bound by that agreement to go on providing safety-net care (South Florida Hospital News). Its hospital in the city is Cape Coral Hospital, whose emergency department grew to 56 treatment spaces in January 2026, and Lee Health opened a walk-in care center at Bimini Square in south Cape Coral in late 2025 (South Florida Hospital News). Lee Health is the city's second-largest employer, with 2,015 staff in the city (City of Cape Coral). This file did not verify a bed count for Cape Coral Hospital or a wait time figure for primary or specialist care.
Education
The Lee County School District, the countywide district, counted 87,107 students in its own schools and 13,329 in charter schools in 2025-26, and lost 1,946 students from the year before, mainly to home education, private schools, other Florida districts and moves out of state or country; the zone that takes in Cape Coral was at 94% of capacity (Cape Coral Breeze). Its four high schools in the city are Cape Coral (late 1970s), Mariner (1987), Ida S. Baker (2005) and Island Coast (2008). The City runs its own municipal charter school system, the Oasis schools (Cape Coral Charter Schools on the City's employer list, 371 staff), with two elementary schools, a middle school and a high school open only to children who live in the city and charge no tuition (Wikipedia; City of Cape Coral). Higher education is across the river: Florida Gulf Coast University, established in 1991 and opened in 1997, with almost 15,000 students in 2017, and Florida SouthWestern State College, whose main campus is in Fort Myers (Wikipedia). Cape Coral Technical College, run by the school district, is in the city.
Living there
Cape Coral is a land sale that became the largest city between Tampa and Miami. In 1957 two Baltimore developers, Leonard and Jack Rosen, bought a 103-square-mile tract across the Caloosahatchee from Fort Myers for $678,000, and their Gulf American Land Corporation sold its lots at free-dinner sales events in 24 states, dug canals without state permits (which later bankrupted it) and paved streets ahead of the people (Wikipedia). The result, incorporated in 1970, is a grid of single-family houses on more than 400 miles of canals, more than any other city on earth by Wikipedia's account, some of them with access to the Gulf, and the same platted-lot history Port St. Lucie has on the other coast. It is as suburban as any of the Florida cities here: 79.2% of homes are owner-occupied, 0.2% of workers take transit, the median age is 48.0, the oldest of the seven, and more than half of its workers leave the city for work, nearly all of them for elsewhere in Lee County. It grew 21.8% from 2020 to 2025, second only to Port St. Lucie among large US cities, entirely on people moving in. Its household income, $85,584, is second to Port St. Lucie's; its violent crime rate, 122 per 100,000 in 2023, the last year the FBI has, is the lowest of the Florida cities here; and its sales tax, 6.5%, is the lowest. Its risk is the Gulf. Hurricane Ian came ashore on Cayo Costa, off Pine Island west of the city, in September 2022 at 150 mph, put 6 to 9 feet of water over the ground in Cape Coral and Pine Island, and drowned 36 people in Lee County in its surge.
Where each city wins, and where it loses
Calgary's figures are in Canadian dollars and Cape Coral's in US dollars, so each is read against local pay. Calgary's benchmark was $569,200 CAD in July 2026 on the MLS Home Price Index, 5.8 times the city's 2020 median household income of $98,000 CAD. Cape Coral's price is the Royal Palm Coast Realtor Association's single-family median for its Cape Coral region of the Southwest Florida MLS, $389,950 USD in August 2026 on 442 closed sales, 6.1% above a year earlier. It is the board's region rather than the City: no one publishes a median for the City of Cape Coral itself, and North Fort Myers and Pine Island are regions of their own. The board's median is about 4.6 times the city's 2024 median household income of $85,584 USD, a figure with a margin of error of $7,375, and Zillow's index for the City of Cape Coral, which models every home rather than the houses that sold, stood at $335,825, 3.9% lower than a year earlier and about 3.9 times. At 20% down, Calgary's loan at 4.34% costs $2,480 CAD a month over 25 years, and the $311,960 loan on the board's median at Freddie Mac's 7.28% of 1 October 2026 about $2,134 USD over 30. Property tax is 0.665% of Calgary's benchmark, $3,785 CAD a year, against about $5,362 USD for a homesteaded owner in Cape Coral, where 13 levies on a City address, from Lee County, its school district, the City, the county's hazards and library districts, the South Florida Water Management District, the hyacinth and mosquito control districts and the West Coast Inland Navigation District, come to 15.3806 mills for 2025, an effective 1.38% after Florida's homestead exemption, and $5,998 without one. No fire district is among them, because the City charges a fire service assessment instead. Insurance is budgeted at $210 CAD and $475 USD a month, the Cape Coral figure an estimate between published averages of $3,695 and $8,688 a year, with its own hurricane deductible and no flood cover. The owners carry about $3,005 CAD and $3,056 USD, roughly 37% and 43% of local median income. A two-bedroom averaged $1,908 CAD in October 2025, about 23% of Calgary's median income. Cape Coral's rent depends on the measure: Zillow's observed rent index for the city was $1,949 USD in August 2026, about 27%; the Census Bureau's 2024 survey put a two-bedroom's median gross rent at $1,702, about 24%; and Apartment List's Lee County median for a two-bedroom, $1,186 in September, about 17%, measures apartments rather than the houses that make up most of the city. Alberta allows one increase a year of any size, and Florida forbids rent control outright.
Only homicide crosses the border intact, and on it both cities are low, though Cape Coral's latest full year is 2023. Calgary recorded 15 in 2025, about 1.0 per 100,000 and its lowest count in ten years. Cape Coral recorded 2 in 2023 in the FBI's Crime Data Explorer, about 0.9 per 100,000, after 4 in 2022; the state's incident-based file has 4, 4 and 5 for 2022 to 2024. 2023 is the last full year the FBI carries for the Cape Coral Police Department: its monthly data stop at October 2024, the Florida Department of Law Enforcement's file has nothing for the department in 2025 or 2026, and why was not found. The other rates are different instruments. Statistics Canada put the Calgary metro's 2025 Crime Severity Index at 61.7, below the national 75.0; American cities have no equivalent. The Calgary Police Service counted 1,086 violent victims per 100,000 in 2025, a count that includes common assault and uttering threats. Cape Coral's 122 per 100,000 is 277 offenses of murder, rape, robbery and aggravated assault in 2023, divided by the Census estimate for that year, the lowest violent rate of the Florida cities this site compares. Property crime, 3,328 incidents per 100,000 against 918 offenses, has the same problem, and 2023 is the only recent year with a credible vehicle theft count for Cape Coral, 124. The direction there is down on every count that exists: violent offenses fell from 403 in 2022 to 277 in 2023 in the FBI's file and from 357 in 2023 to 243 in 2024 in the state's, which counts somewhat differently. For 2025 there is only the department's word, overall crime down 28% in the first half, 1,487 cases against 2,076, and a 28% reduction claimed for the year without the counts behind it. Calgary's police-counted violence increased 4% on assaults.
The climates are opposites. January averages -7.6 C in Calgary, where snaps drop below -30 C and chinooks break them, and 18.2 C at Page Field, the Fort Myers airport about 9 miles east-southeast of Cape Coral's center across the Caloosahatchee River, where the normals count 0.1 nights a year at or below freezing and one night has reached it since 2010. July averages a dry 16.9 C in Calgary and 28.4 C in Cape Coral, where August is warmer still at 83.4F and the normals count 120.3 days a year at or above 32.2 C (90F) and none at 37.8 C (100F); Page Field recorded 168 such days in 2023, the most since 2010. Cape Coral gets 1,458 mm of precipitation a year, more than three times Calgary's 445.4 mm and two-thirds of it from June to September, and no snow against Calgary's 138.7 cm. Calgary records 2,396.3 hours of sunshine; this site stores no measured sunshine figure for Cape Coral, and the 355 days of sun often repeated for it is a promotional figure. Cape Coral's hazard is the Gulf. Hurricane Ian came ashore on Cayo Costa, the barrier island beyond Pine Island to the city's west, on 28 September 2022 with sustained winds of 150 mph, a high category 4, and its surge put 6 to 9 feet of water above the ground in Cape Coral and Pine Island; the sensors there were lost before they recorded a peak. Storm surge killed 41 people, 36 of them in Lee County, where at least 52,514 structures were affected and 5,369 destroyed, and Ian did $109.5 billion of damage in Florida, the costliest hurricane in the state's history. Calgary's hazards are hail, with major storms in 2020 and 2024, the June 2013 flood and wildfire smoke.
Calgary runs on oil and gas head offices, and Cape Coral on building, health care, retail and the commute across the river. BLS counted 311,300 nonfarm jobs in the Cape Coral-Fort Myers metro, which is Lee County alone, in August 2026, 1,500 or 0.5% more than a year earlier, and the metro's unemployment rate was 5.2% in July 2026, not seasonally adjusted, up from 4.6% a year earlier and second only to Port St. Lucie's among the Florida cities here, against 4.4% for the US on the same basis. Mining, logging and construction hold 40,900 jobs, 13% of the total and about twice the share around Tampa, in a city still building out lots platted in the 1950s and 1960s and rebuilding after Ian. Private education and health services added 1,500 jobs to 55,400 and leisure and hospitality 1,500 to 41,200, while local government lost 2,400. The city's largest employers are the Lee County School District, Lee Health, the City and Publix, and 54% of its workers work outside it, though only 9.8% outside Lee County. The Calgary metro's rate was 6.8% on a three-month average, second highest among large Canadian metros, even though Alberta added 91,000 jobs in the year to July 2026; the two rates are not built the same way, so the gap is approximate. Median household income was $98,000 CAD in Calgary in 2020 and $85,584 USD in the City of Cape Coral in 2024, where the median age, 48.0, is the oldest of the Florida cities on this site. Alberta levies a provincial income tax, so $100,000 pays about $21,733 CAD, 21.7% before CPP and EI. Florida levies none, so the same salary pays $13,449 USD in federal tax for 2025, and property tax carries more of the load: about $5,362 a year on the board's median against $3,785 CAD on Calgary's benchmark, before about $1,080 of City assessments. Sales tax is 6.5% in Lee County against the 5% GST, and the top combined marginal rate 37% against 48%.
Transit is Calgary's by a wide margin. In the 2021 census 8.8% of Calgary commuters took transit and 5.1% walked or cycled, counted in a pandemic month, and Calgary Transit carried 93.1 million trips in 2025 on two CTrain lines, MAX bus rapid transit and buses. In Cape Coral 0.2% of workers commuted by transit in 2024, 186 of 108,333, the lowest share of any city this site compares and an estimate whose margin of error is larger than the figure; about 1% walked or cycled, 70.0% drove alone and 16.3% worked from home. LeeTran, the county's bus system, carried 1,969,906 trips in 2025 across all of Lee County, less than half its 2013 peak. There is no rail and no bus rapid transit, and the city sits on a peninsula that reaches Fort Myers by two bridges across the Caloosahatchee. It was laid out for the car from the start: in 1957 two Baltimore developers bought 103 square miles across the river from Fort Myers for $678,000, and their Gulf American Land Corporation sold quarter-acre lots on a grid of canals at sales dinners in 24 states and paved the streets ahead of the people. The mean commute is 32 minutes, and 11% of commuters spend an hour or more. Flying favors Calgary: YYC handled a record 19.4 million passengers in 2025, and Southwest Florida International, about 17 miles from Cape Coral's center, a record 11,154,458.
Health care is the difference a household meets every week. In Calgary the Alberta Health Care Insurance Plan pays for physician and hospital care with nothing due at the point of use and leaves most prescriptions, dental and vision to employer plans; the standing complaints are finding a family doctor and waiting for specialists and elective surgery. In Cape Coral care is bought through an employer or marketplace plan, Medicare or Medicaid, and Florida is one of ten states that have not expanded Medicaid. Its uninsured rate was 10.9% in 2024, against 8.2% nationally; the City of Cape Coral's was 9.4% and Lee County's 13.2%. Hospital care in the county is Lee Health's, a public special district until it became a private nonprofit on 1 November 2024, bound by an agreement with the county to go on providing safety-net care; its Cape Coral Hospital enlarged its emergency department to 56 treatment spaces in January 2026. This site verified no wait time for either city. Calgary has two publicly funded school boards, francophone boards and a provincially funded charter sector, with enrollment outrunning construction in the newer suburbs. The Lee County School District counted 87,107 students in its own schools and 13,329 in charter schools in 2025-26, 1,946 fewer than a year before, and the zone that takes in Cape Coral was at 94% of capacity. The City runs its own tuition-free charter system, the Oasis schools, open only to children who live in the city. Florida Gulf Coast University and Florida SouthWestern State College are across the river.
What people underestimate is how much of the Cape Coral bill sits outside the price. The $5,362 assumes a homestead filed with the Lee County Property Appraiser by 1 March of the year after the purchase; without one the same house owes $5,998, and Save Our Homes resets a house's assessment to market value the January after a sale, so the seller's bill is no guide. The City's fire service, stormwater and solid waste assessments add about $1,080 a year on the same bill, and no exemption reduces them. The city began on wells and septic tanks, and the City has been assessing water, sewer and irrigation lines in, area by area, since 2001: 93,343 of its 137,402 parcels have City water available, and in the two latest areas, North 1 West and North 1 East, a standard lot pays $33,367 or $32,288 up front, or up to $3,734 or $3,385 a year on the tax bill over 30 years. The $475 a month of insurance buys no flood cover, and from 1 January 2027 every Citizens Property Insurance homeowners policy with wind cover must carry flood too. The water is also the market: 20,889 lots are on saltwater canals, the only ones that reach the Gulf, and the clearances of 160 bridges decide what boat can reach a dock. At closing Florida taxes the loan, about $1,716 in documentary stamp and intangible tax on a $311,960 mortgage, and the seller pays 0.7% on the deed, $2,730 at the board's median, where Alberta charges no land transfer tax at all. Both cities are growing: the Calgary metro grew 2.9% in 2024-25, and the City of Cape Coral 1.4%, the slowest of five years of growth, after 21.8% since 2020, second only to Port St. Lucie among US cities of 200,000 or more and all of it people moving in. Calgary's 4.34% renews after a five-year term, while the Cape Coral 7.28% holds for thirty years; at 7.03%, Freddie Mac's rate a week earlier, the Cape Coral carry would be about $3,004.
Better here
- Mortgage, property tax and insurance come to about $3,005 CAD a month, roughly 37% of the city's 2020 median household income, against about 43% in Cape Coral.
- Property tax is 0.665% of the benchmark, $3,785 CAD a year, against an effective 1.38% on the homesteaded Cape Coral region median before about $1,080 of City assessments, and Alberta charges no land transfer tax.
- The Alberta Health Care Insurance Plan covers physician and hospital care with nothing due at the point of use, where Florida has not expanded Medicaid and 9.4% of City of Cape Coral residents had no health insurance in 2024.
- Transit carried 8.8% of commuters in the 2021 census and 93.1 million trips in 2025 on two CTrain lines and buses, against 0.2% of Cape Coral's commuters and 1,969,906 trips for all of Lee County.
- YYC handled a record 19.4 million passengers in 2025, against 11,154,458 at Southwest Florida International, about 17 miles from Cape Coral's center.
- July averages a dry 16.9 C on the 1991-2020 normals, against 28.4 C in Cape Coral, where the same normals count 120.3 days a year at or above 32.2 C (90F), and there is no hurricane season.
Worse here
- Metro unemployment was 6.8% in July 2026, second highest among large Canadian metros, against 5.2% in the Cape Coral-Fort Myers metro on an unadjusted count the same month.
- January averages -7.6 C on a 138.7 cm snow normal, with cold snaps below -30 C, against 18.2 C and no snow in Cape Coral.
- Income tax takes about $21,733 CAD of $100,000 for 2025, 21.7%, where Florida levies none and the federal bill is $13,449 USD, and the top combined rate is 48% against 37%.
- The benchmark is 5.8 times the city's 2020 median household income, against about 4.6 times for the Cape Coral region median and about 3.9 times for Zillow's index for the City of Cape Coral.
- The 4.34% mortgage rate is fixed for a five-year term and then renews, where a Cape Coral loan at 7.28% of 1 October 2026 holds for thirty years.
- Summer hail is the costly recurring hazard, with major storms in 2020 and 2024, and the Bow and Elbow flooded the core in June 2013.
Choose Calgary if
- you want health coverage that comes with residency rather than with an employer, a premium or a deductible
- you want to reach work by train, in a city where transit carries about forty times Cape Coral's share of commuters
- you would rather have a dry 16.9 C July and a cold winter than a long humid summer and a hurricane season
- you want to own at a smaller share of local income, about 37% against 43%, on a property tax under half the Florida rate
The Calgary guide · Neighbourhoods · Calgary rent vs buy · Calgary mortgage calculator
Better here
- There were 2 homicides in 2023, about 0.9 per 100,000, and 122 violent offenses per 100,000, the lowest of the Florida cities this site compares, though 2023 is the last full year the FBI has for the city.
- Unemployment in the Cape Coral-Fort Myers metro was 5.2% in July 2026, not seasonally adjusted, against 6.8% in the Calgary metro.
- Florida levies no income tax, so $100,000 pays $13,449 USD in federal tax for 2025 and $13,170 for 2026, against about $21,733 CAD in Calgary, and Lee County's 6.5% sales tax is the lowest of the Florida cities here, level with Orlando's.
- January averages 18.2 C with no snow on the normals, against -7.6 C and 138.7 cm in Calgary.
- The Royal Palm Coast Realtor Association's Cape Coral region median of $389,950 USD is about 4.6 times the city's 2024 median household income of $85,584, against 5.8 times for Calgary's benchmark.
- 20,889 lots sit on saltwater canals that reach the Gulf through five navigation systems, in a city with more than 400 miles of canals.
Worse here
- Mortgage, property tax and insurance come to about $3,056 USD a month on the region median, roughly 43% of the city's median household income against 37% in Calgary, before any flood policy.
- Property tax on the median is about $5,362 a year with a homestead, an effective 1.38%, and $5,998 without one, before about $1,080 of City fire, stormwater and solid waste assessments.
- Florida is one of ten states that have not expanded Medicaid, its uninsured rate was 10.9% in 2024 against 8.2% nationally, and the city's was 9.4%.
- Only 0.2% of workers commuted by transit in 2024, the lowest share on this site, 70.0% drove alone, and there is no rail.
- Hurricane Ian's surge put 6 to 9 feet of water over the ground in Cape Coral in September 2022 and killed 36 people in Lee County, and insurance is estimated at $475 a month before flood cover.
- A lot in the north of the city still waiting for City water and sewer carries an extension assessment, $32,288 up front or up to $3,385 a year in the latest area.
Choose Cape Coral if
- you want an 18.2 C January with no snow and can plan around a humid summer and a hurricane season
- you want a boat at the end of the yard and will check the bridges between your canal and the Gulf
- you have employer health insurance you trust and would rather pay property tax on a house than provincial income tax on a salary
- you want a mortgage rate that is fixed for thirty years and will drive to most things, including work
The Cape Coral guide · Neighborhoods · Cape Coral rent vs buy · Cape Coral mortgage calculator
Calgary or Cape Coral, in short
Is Calgary or Cape Coral cheaper to live in?
Calgary, to own, once each bill is held against its own city's pay, because the currencies do not convert here. A Calgary owner pays about $3,005 CAD a month on mortgage, property tax and insurance, roughly 37% of the 2020 median household income of $98,000 CAD, on a benchmark 5.8 times that income. A Cape Coral owner pays about $3,056 USD on the Royal Palm Coast Realtor Association's Cape Coral region median of $389,950, roughly 43% of the city's 2024 median of $85,584 USD, on a house about 4.6 times that income; Zillow's index for the City of Cape Coral stood at $335,825. The house is cheaper against pay in Cape Coral and the money, the tax and the insurance dearer: 7.28% against 4.34%, a homesteaded property tax of about $5,362 a year against $3,785 CAD, and an estimated $475 a month of insurance against $210 before any flood policy, with about $1,080 a year of City assessments on top. Cape Coral takes less income tax, $13,449 USD on $100,000 for 2025 against about $21,733 CAD, and more sales tax, 6.5% against 5%. Renting is hard to call: a two-bedroom averaged $1,908 CAD in Calgary in October 2025, about 23% of median income, and Cape Coral's measures run from Apartment List's Lee County two-bedroom median of $1,186 USD, about 17%, through the Census Bureau's $1,702, about 24%, to Zillow's observed rent index for the city, $1,949, about 27%.
Is Calgary or Cape Coral safer?
Both, on homicide, the one measure that crosses the border, though the years differ. Calgary recorded 15 homicides in 2025, about 1.0 per 100,000 and its lowest count in ten years; Cape Coral recorded 2 in 2023 in the FBI's file, about 0.9 per 100,000, and 2023 is the last full year the FBI carries for its police department, whose reports stop in October 2024. The other rates are different instruments. The Calgary Police Service's 1,086 violent victims per 100,000 counts victims and includes common assault and uttering threats, while Cape Coral's 122 per 100,000 is offenses of murder, rape, robbery and aggravated assault in 2023, divided by the Census estimate, the lowest of the Florida cities this site compares. Property crime, 3,328 incidents per 100,000 against 918 offenses, is defined differently as well. Cape Coral's counts fell from 2022 to 2024 on both the federal and the state files, and the department reports a 28% drop in 2025 without publishing the counts; Calgary's police-counted violence increased 4%, while its metro Crime Severity Index, 61.7, sits below the national 75.0.
Which has the better climate, Calgary or Cape Coral?
Cape Coral in winter and Calgary in summer. January averages 18.2 C in Cape Coral with no snow on the normals and 0.1 freezing nights a year, against -7.6 C and 138.7 cm in Calgary, where snaps reach below -30 C though chinooks break them. July reverses it: 28.4 C and humid in Cape Coral, with 120.3 days a year at or above 32.2 C (90F) on the normals and 168 at Page Field in 2023, against a dry 16.9 C in Calgary. Cape Coral gets 1,458 mm of precipitation a year, more than three times Calgary's 445.4 mm, two-thirds of it from June to September; Calgary records 2,396.3 hours of sunshine, and this site has no measured figure for Cape Coral. Cape Coral's hazard is the hurricane and above all its surge, which Ian in 2022 drove 6 to 9 feet over the ground in the city; Calgary's are hail, the 2013 flood and wildfire smoke.
What does the Cape Coral monthly figure leave out?
More than most. The $3,056 counts the mortgage at 7.28%, a homesteaded property tax of about $5,362 and $475 a month of insurance. It leaves out flood insurance, which a homeowners policy does not include and every Citizens policy with wind cover must carry from 1 January 2027; the City's fire service, stormwater and solid waste assessments, about $1,080 a year on the tax bill, which bring the carry to about $3,146; any Utilities Extension Project assessment on a lot still on a well and septic tank, $32,288 up front or up to $3,385 a year in the latest area; any homeowners' or condominium association, which 12% of the city's owners pay at a median of $386 a month; and the seawall and dock on a canal lot. Without a homestead filed by 1 March the tax is $5,998. The insurance itself is an estimate, because published Cape Coral averages run from $3,695 to $8,688 a year, and the price is the Realtor association's Cape Coral region rather than the City, for which no median is published. Calgary's figure has fewer moving parts, though its 4.34% renews after five years where the Cape Coral 7.28% is fixed for thirty.
Where the figures come from
Housing figures are the ones behind each city's calculators, dated on those pages. The rest are listed here with the date they were retrieved. See the methodology for how facts, estimates and opinion are kept apart.
- Census Profile, 2021 Census of Population: Calgary, City (CY), Alberta · Statistics Canada · retrieved Supports: City population, Five-year growth, Median household income, Transit commute share, Walk and cycle commute share
- Population estimates, July 1, by census metropolitan area and census agglomeration, 2021 boundaries (table 17-10-0148-01) · Statistics Canada · retrieved Supports: Metro population
- Canada's population estimates: Subprovincial areas, 2025 · Statistics Canada, The Daily · retrieved Supports: Five-year growth, character
- Police-reported Crime Severity Index and crime rate, by census metropolitan area, 2025 · Statistics Canada, The Daily · retrieved Supports: Crime Severity Index, Crime trend
- 2025 Crime Report, Report to Calgary Police Commission · Calgary Police Service · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, City population
- Canadian Climate Normals 1991-2020, Calgary Int'l A · Environment and Climate Change Canada · retrieved Supports: January mean, July mean, Annual precipitation, Annual snowfall
- Canadian Climate Normals 1981-2010, Calgary Int'l A · Environment and Climate Change Canada · retrieved Supports: Sunshine hours
- Labour Force Survey, July 2026 · Statistics Canada, The Daily · retrieved Supports: Unemployment rate, Labour market
- Calgary unemployment rate dropped in July, but remains among highest in Canada · CBC News · retrieved Supports: Unemployment rate
- Alberta tax overview · Government of Alberta · retrieved Supports: Sales tax, Income tax on $100,000, Tax notes
- Alberta 2025 & 2026 Tax Rates & Tax Brackets · TaxTips.ca · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Canada 2025 & 2026 Tax Rates & Tax Brackets · TaxTips.ca · retrieved Supports: Income tax on $100,000
- RouteAhead Annual Status Report 2025 (IP2026-0142, Attachment 2) · City of Calgary, Calgary Transit · retrieved Supports: Transit ridership, Transit system
- From home to work: Commuting in Canada's cities, May 2024 · Statistics Canada · retrieved Supports: Transit commute share
- YYC Calgary International Airport welcomed 19.4 million passengers in 2025 · Calgary Airports · retrieved Supports: Airport passengers
- Calgary victim's family not celebrating Calgary's 10-year low homicide rate · CP24 / CTV News · retrieved Supports: Homicides
- Data about Calgary's population · City of Calgary · retrieved Supports: City population, Median household income
- Annual Estimates of the Resident Population for Incorporated Places of 50,000 or More (all states, SUB-EST2025) · US Census Bureau · retrieved Supports: City population, Five-year growth, Metro population, Violent crime rate, Property crime rate, Homicides, Crime trend, Character, Cape Coral city 194,004 (April 2020 base), 195,442 (2020), 204,080 (2021), 218,364 (2022), 227,458 (2023), 233,108 (2024) and 236,264 (2025); Lee County 875,607; Fort Myers 101,581; balance of Lee County 430,173; national and Florida ranks and the 129 cities of 200,000 or more
- Annual Resident Population Estimates and Components of Change for Metropolitan and Micropolitan Statistical Areas and Their Counties: April 1, 2020 to July 1, 2025 (CBSA-EST2025-ALLDATA) · US Census Bureau · retrieved Supports: Metro population, Five-year growth, Character, Cape Coral-Fort Myers MSA (CBSA 15980) 760,827 (April 2020 base) and 875,607 (2025), 72nd of 387 metros, and its births, deaths and migration by year
- 2025 Gazetteer Files: Places, Florida · US Census Bureau · retrieved Supports: point, City population, Climate normals, Airport passengers, Cape Coral city: 106.265 sq mi of land, 13.366 sq mi of water, internal point 26.643192, -81.997364
- Cape Coral, Florida (history, geography, climate, education, infrastructure, transportation) · Wikipedia · retrieved Supports: City population, Climate normals, Transit system, Education, Character
- Crime Data Explorer summarized agency data, Cape Coral Police Department (FL0360200): violent crime, property crime, homicide, rape, robbery, aggravated assault, burglary, larceny, motor vehicle theft and arson, 2021-2025 · FBI · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Character, 2022: 403 violent (4 + 39 + 25 + 335), 1,974 property; 2023: 277 violent (2 + 18 + 13 + 244), 2,088 property (344 + 1,618 + 124 + 2); January to October 2024: 236 violent, 1,809 property; no data from November 2024; agency population 228,672 for 2023
- FIBRS offense data by agency and month, 2021 to August 2026 · Florida Department of Law Enforcement · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Cape Coral Police Department: twelve months for each of 2022, 2023 and 2024 and no rows for 2025 or 2026; 420, 357 and 243 violent and 2,233, 2,555 and 1,980 property offenses; motor vehicle thefts 118, 175 and 135; homicides 4, 4 and 5
- Cape Coral Police Department Mid-Year Crime Report 2025: Continued Success in Reducing Crime · Cape Coral Police Department · retrieved Supports: Homicides, Crime trend, Crime down 28% in January to June 2025, 1,487 cases against 2,076; no homicides against three; thefts 612 against 850
- 2025 Annual Report · Cape Coral Police Department · retrieved Supports: Crime trend, A 28% reduction in crime in 2025 and the second-safest city in Florida with a population over 150,000, stated without counts
- US Climate Normals 1991-2020, station USW00012835 Fort Myers Page Field (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: January mean, July mean, Annual precipitation, Climate normals, Climate hazards, January 64.7F, July 83.2F and August 83.4F and the monthly highs, lows and rain from the monthly series, which carries no snowfall normal for this station, and annual mean 75.4F, precipitation 57.41 in, 120.3 days at 90F, 0.0 at 100F and 0.1 nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
- US Climate Normals 1991-2020, station USW00012894 Fort Myers Southwest Florida International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: Climate normals, January 64.6F, July 82.7F, 53.39 in of precipitation, 119.1 days at 90F; no snowfall normal
- US Climate Normals 1991-2020, station USC00087397 Punta Gorda 4 ESE (cooperative station) (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: Annual snowfall, Climate normals, 0.0 in of snow (monthly and annual)
- NCEI data search, normals-monthly-1991-2020 stations within 26.85N to 26.4N and 82.25W to 81.6W, and stations with a snowfall normal within 27.2N to 25.9N and 82.5W to 81.2W · NOAA National Centers for Environmental Information · retrieved Supports: Climate normals, USW00012835 at 26.585N, 81.8614W and USW00012894 at 26.5361N, 81.755W, the only stations with full normals near the city; USC00087397 at 26.9147N, 81.9969W the nearest with a snowfall normal
- Global Historical Climatology Network daily summaries, Fort Myers Page Field (USW00012835), 2010-2026 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards, 168 days at or above 90F in 2023 and 134 in 2026 through 28 September; 31F on 11 January 2010, the only reading at or below freezing since 2010; 34F on 1 February 2026; a 67.1 mph gust on 28 September 2022 and no observations for the following days; 84.1 mph on 10 September 2017
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours, Climate normals, Jacksonville, Miami and Tampa listed; no Fort Myers or Cape Coral station
- Tropical Cyclone Report: Hurricane Ian (AL092022) · NOAA National Hurricane Center · retrieved Supports: Climate hazards, Character, Landfall on Cayo Costa at 1905 UTC 28 September 2022 at 130 kt and near Punta Gorda at 125 kt; 6 to 9 ft above ground in Pine Island and Cape Coral; USGS sensors in Matlacha and Cape Coral lost or destroyed; Fort Myers NOS gauge 7.26 ft above MHHW; 41 surge deaths, 36 in Lee County; 52,514 Lee County structures affected, 5,369 destroyed, 14,245 with major damage; $112.9 billion in US damage
- FY2025 Annual Comprehensive Financial Report, Statistical Section (Schedules 6, 7, 14 and 15) · City of Cape Coral (filed with the Florida Auditor General) · retrieved Supports: Climate hazards, Main sectors, Labour market, Health care, Education, Principal employers 2025: Lee County School District 2,563, Lee Health 2,015, City of Cape Coral 1,969, Publix 1,370, Wal-Mart/Sam's Club 700, Home Depot 559, Gulf Coast Village 395, Cape Coral Charter Schools 371, Sun Splash Family Water Park 300, Westin Resort 200 (9.5% of city employment together); the 2016 list; tax-exempt property $8.56 billion in fiscal 2022 and $19.73 billion in fiscal 2024, with Ian's uninhabitable-home relief
- ACS 2024 1-year tables B19013 and B25003 for Cape Coral and Fort Myers cities, Lee County, the Cape Coral-Fort Myers MSA, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Character
- ACS 2024 1-year tables B19013 and B25003 for Port St. Lucie, St. Petersburg, Tampa, Orlando, Jacksonville and Miami cities · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Character
- ACS 2024 1-year table B01002 (median age) for Cape Coral and the other Florida cities this site compares, Lee County, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Character
- ACS 2024 1-year tables B08007 (place of work by county), B08008 (place of work by place), B08013 (aggregate travel time), B08101 (means of transportation by age) and B08303 (travel time to work) for Cape Coral city and Lee County · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Labour market, Transit commute share, Walk and cycle commute share, Character
- ACS 2024 1-year table B08301 (means of transportation) for Lee County, and ACS 2020-2024 5-year table B08301 for Cape Coral city and Lee County · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Transit commute share, Walk and cycle commute share
- ACS 2024 1-year table B27001 (health insurance coverage) for Cape Coral city, Lee County, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Health care
- Local Area Unemployment Statistics, Cape Coral-Fort Myers, FL MSA (LAUMT121598000000003), Lee County (LAUCN120710000000003) and Cape Coral city (LAUCT121027500000003), not seasonally adjusted · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate
- Current Employment Statistics, Cape Coral-Fort Myers, FL MSA: total nonfarm (SMU12159800000000001), mining, logging and construction (SMU12159801500000001), supersectors (SMU1215980xx00000001), retail trade and local government (SMU12159809093000001) · US Bureau of Labor Statistics · retrieved Supports: Main sectors, Labour market
- Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS) · Florida Department of Revenue · retrieved Supports: Sales tax, Lee 0.5%, January 1, 2019 to December 31, 2028
- Tax Information Publication 18A01-25: Lee County Adds a 0.5% School Capital Outlay Surtax Beginning January 1, 2019 · Florida Department of Revenue · retrieved Supports: Sales tax, approved by voters on November 6, 2018; combined rate 6.5%; expires December 31, 2028
- Florida Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes
- 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2025 millage rates for Lee County, Florida: taxing district millage book (district 057, City of Cape Coral) · Lee County Property Appraiser · retrieved Supports: Tax notes, District 057 total 15.3806 mills for 2025, of which the City 5.1471 operating and 0.1608 parks voted debt (as carried in lib/housing/cape-coral.ts)
- Cape Coral council sets fiscal 2027 property tax cap rate · Gulfshore Business · retrieved Supports: Tax notes, A 5.1988-mill maximum, the rolled-back rate against 5.1471, set 7 to 1 on 22 July 2026; taxable value $33.1 billion; hearings on 10 and 24 September
- Market insights report, August 2026: market summary and Cape Coral region · Royal Palm Coast Realtor Association · retrieved Supports: Tax notes, Cape Coral region single-family median $389,950 in August 2026 against $367,500 a year earlier (as carried in lib/housing/cape-coral.ts)
- Zillow Home Value Index and Observed Rent Index, city files, August 2026 · Zillow Research · retrieved Supports: Tax notes, Cape Coral (region 30742) all-homes value $335,825, down 3.9% on the year, and observed rent $1,949 (as carried in lib/housing/cape-coral.ts)
- Monthly Module Adjusted Data Release, complete monthly ridership with adjustments and estimates (Lee County, NTD 40028) · Federal Transit Administration, National Transit Database (via data.transportation.gov) · retrieved Supports: Transit ridership
- LeeTran (service area, hours, 2025 ridership) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- Southwest Florida International Airport (owner, opening, location, carriers, annual passenger traffic 2023 to 2025) · Wikipedia · retrieved Supports: Airport passengers
- Southwest Florida International Airport reports record-breaking year-end traffic · WGCU · retrieved Supports: Airport passengers
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- Lee Health and Lee County Vote to Approve Mission Agreement, Allowing for Conversion of the Health System to a Community-Focused Nonprofit · South Florida Hospital News · retrieved Supports: Health care
- Lee Health Expands Cape Coral Hospital's Emergency Department · South Florida Hospital News · retrieved Supports: Health care
- School district addresses declining enrollment · Cape Coral Breeze · retrieved Supports: Education
- Florida Gulf Coast University · Wikipedia · retrieved Supports: Education
- City of Calgary Monthly Statistics Package, July 2026 · Calgary Real Estate Board (CREB®) · retrieved Supports: Benchmark price of $569,200, Benchmark prices by property type
- Rental Market Survey: Calgary, average rent by bedroom type, October 2025 · Canada Mortgage and Housing Corporation · retrieved Supports: One-bedroom average rent of $1,581, Two-bedroom average rent of $1,908
- Current property tax rates · City of Calgary · retrieved Supports: 2026 municipal residential rate, 2026 provincial education rate
- Premium information for homeowner and small rental loans · Canada Mortgage and Housing Corporation · retrieved Supports: Mortgage default insurance premium rates by loan-to-value
- CMHC revises homeowner mortgage loan insurance premiums · Canada Mortgage and Housing Corporation · retrieved Supports: The 20 basis point surcharge on a 30-year insured amortization
- Regulations amending the Insurable Housing Loan Regulations and the Eligible Mortgage Loan Regulations (SOR/2025-55) · Canada Gazette, Part II · retrieved Supports: The $1.5 million insured price cap, 30-year amortization for first-time buyers and new builds
- Minimum qualifying rate for uninsured mortgages · Office of the Superintendent of Financial Institutions · retrieved Supports: The qualifying rate of the contract rate plus two points, or 5.25%
- Interest rates charged for new and existing lending by chartered banks · Bank of Canada · retrieved Supports: The default mortgage rate of 4.34%, uninsured five-year-plus fixed, funds advanced May 2026
- How much will my home really cost? · Canada Mortgage and Housing Corporation · retrieved Supports: Closing costs of 1.5% to 4% of the purchase price, Home inspection and appraisal ranges
- Land Titles and Surveys common documents fee schedule · Service Alberta and Red Tape Reduction, Government of Alberta · retrieved Supports: Transfer registration fee, Mortgage registration fee
- During a tenancy: rent increases · Government of Alberta · retrieved Supports: No cap on rent increases, 365-day frequency limit, Notice periods
- Alberta's tax advantage · Government of Alberta · retrieved Supports: Alberta levies no land transfer tax
- Cape Clips: highlights from the August 26, 2026, City Council meeting · City of Cape Coral · retrieved Supports: Fire service assessment for 2026-27: the flat tier from $349.32 to $341.63 a parcel and the structure tier from $3.47 to $3.16 per equivalent benefit unit, the average single-family home from $540.17 to $515.43, Stormwater from $156 to $163; solid waste for individual residential households unchanged at $384.25
- Tax billed assessments (non-ad valorem taxes) · City of Cape Coral, Customer Billing Services · retrieved Supports: Stormwater at $156.00 per equivalent residential unit for fiscal 2026 and $149.00 for 2025, A fire service assessment of $349.32 per parcel (Tier 1) and $3.47 per $5,000 of structure value (Tier 2) for fiscal 2026, against $278.84 and $3.07 for 2025, Solid waste at $384.25 per dwelling unit for fiscal 2026 and $345.76 for 2025; lot mowing by district on vacant lots, Utilities Extension Project assessments on a standard 10,000-square-foot parcel: North 1 West $33,367 prepaid or $35,930 financed at 6.50%, first on the taxes in 2024; North 1 East $32,288 prepaid or $33,142 financed at 6.25%, first on the taxes in 2026; 30-year default terms, Maximum annual installments for North 1 West of $812, $1,490 and $660 for water, sewer and irrigation line extension and $131, $383 and $258 for capital facility expansion charges; for North 1 East $855, $997, $803, $126, $360 and $244, Utilities extended to nearly all of south Cape Coral and work under way north of Pine Island Road
- Water, wastewater and irrigation rate schedules, effective 1 October 2026 · City of Cape Coral, Financial Services · retrieved Supports: A water capacity charge of $25.36 a month on a 5/8-inch meter and a residential commodity charge of $5.44 per thousand gallons to 5,000, A wastewater capacity charge of $32.83 a month and $12.85 per thousand gallons, Single-family irrigation at a flat $13.40 a month
- City of Cape Coral GIS: Ownership, Canals and Bridges layers · City of Cape Coral, ArcGIS Server · retrieved Supports: 137,402 parcels, 93,343 with City water available and 91,771 with City sewer, the rest in the Utilities Extension Project's North areas, 20,889 lots marked on salt water, 16,881 on fresh water and 406 on the river, Saltwater canals in five navigation systems on the Canals layer (PublicWorks MapServer 11), and 160 bridges with vertical clearances on the Bridges layer (PublicWorks MapServer 0)
- Notice to industry: substantial improvement and substantial damage, and the FEMA 50% rule notice · City of Cape Coral, Development Services · retrieved Supports: Substantial improvement as any repair, reconstruction, rehabilitation, alteration, addition or other improvement whose cost equals or exceeds 50% of the market value of the building before the work, and any repair of a substantially damaged building, City staff comparing the cost of the work with the depreciated market value of the building, and a building at or over 50 percent brought into compliance with the floodplain rules for new buildings, its lowest floor elevated, From 10 July 2025, under HB 683 and SB 180 (2025), determinations made per permit rather than on aggregate improvements
- Cape Coral helps Hurricane Ian recovery, removing five-year look-back for FEMA's 50% rule · Woodward, Pires & Lombardo, P.A. · retrieved Supports: Ordinance 96-22, approved 30 November 2022, removing the five-year cumulative count of repairs and additions from the City's substantial damage determination
- Additional homestead exemption adjustment, revised January 2025 · Florida Department of Revenue · retrieved Supports: A CPI change of 2.9% and a maximum additional exemption of $25,722 for 2025, against the $25,000 base year of 2024
- Exemption information pamphlet · Lee County Property Appraiser · retrieved Supports: A homestead exemption of up to $50,000: the first $25,000 against all taxes and an additional $25,000 on assessed value over $50,000 for all levies other than school taxes, Applications on Form DR-501 by 1 March, and portability to a new homestead established within three years of 1 January of the year the old one was abandoned
- Zillow Home Value Index, all homes, single-family and condominium series, by city · Zillow Research · retrieved Supports: A typical home value of $335,825 for the city of Cape Coral (region 30742, Lee County) in August 2026, against $349,486 in August 2025, down 3.9%, A typical single-family value of $346,047 against $359,529, down 3.7%, and a typical condominium value of $191,729 against $211,186, down 9.2%, from the single-family and condominium files
- Zillow Observed Rent Index, by city and single-family by metro · Zillow Research · retrieved Supports: An observed rent index of $1,949 for the city of Cape Coral in August 2026, against $1,929 a year earlier, up 1.0%, A single-family observed rent index of $2,154 for the Cape Coral metro area (region 394440) in August 2026, from the metro single-family file
- Rent estimates summary, September 2026 · Apartment List · retrieved Supports: For Lee County, September 2026: $1,258 overall, $1,032 for one bedroom and $1,186 for two, with rents down 0.61% on the month and 4.8% on the year, No row for the City of Cape Coral among the file's cities
- Apartments for rent in Cape Coral, FL: average rent · Apartment List · retrieved Supports: Average listed rents of $1,336 and up for a studio, $1,607 and up for one bedroom, $1,832 and up for two, and $2,419 and up for three or more
- Median household income, median home value, median gross rent and tenure, tables B19013, B25077, B25064 and B25003, 2024 American Community Survey 1-year estimates · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median household income of $85,584 in Cape Coral city, against $83,602 in Lee County and $77,735 for Florida, A median owner-occupied home value of $401,800 in Cape Coral city, 69,402 of Cape Coral's 87,681 occupied homes owner-occupied, and a median gross rent of $1,998 against $1,812 for Florida
- Median gross rent by bedrooms, table B25031, 2024 American Community Survey 1-year estimates, Cape Coral city · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median gross rent of $1,719 for one bedroom, $1,702 for two, $2,272 for three and $2,637 for four
- Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, Cape Coral city · United States Census Bureau, via the Census Reporter API · retrieved Supports: 8,351 of 69,402 owner-occupied units, or 12%, paying a homeowners' association or condominium fee, A median monthly fee of $386 among them, and 1,993 paying $500 or more a month
- Primary Mortgage Market Survey, 1 October 2026 · Freddie Mac · retrieved Supports: A 30-year fixed-rate mortgage averaging 7.28%, up from 7.03% the week before and 6.34% a year earlier
- Documentary stamp tax · Florida Department of Revenue · retrieved Supports: 70 cents on each $100 of consideration on a deed in every county except Miami-Dade, 35 cents per $100 on a promissory note, capped at $2,450
- Rule 69O-186.003, Florida Administrative Code: title insurance rates · Florida Department of State, Florida Administrative Code · retrieved Supports: An owner's title insurance premium of $5.75 per $1,000 of liability to $100,000 and $5.00 per $1,000 from $100,000 to $1 million
- Florida homeowners insurance · NerdWallet · retrieved Supports: An average Cape Coral premium of $3,695 a year, $308 a month, against $3,725 in Fort Myers, on a sample policy with $500,000 of dwelling cover, updated 20 February 2026
- Best home insurance in Florida (2026) · Insurify · retrieved Supports: An estimated average annual premium of $8,688 in Cape Coral for $300,000 of dwelling cover, against $10,296 in Naples and $13,716 in Port Saint Lucie, current as of 30 September 2026
- Renters insurance in Florida · NerdWallet · retrieved Supports: An average Cape Coral renters premium of $140 a year, $12 a month
- Section 627.701, Florida Statutes: liability of insureds; hurricane deductibles · The Florida Legislature · retrieved Supports: An insurer offering hurricane deductibles of $500, 2%, 5% and 10% of the policy dwelling limits
- Flood: Citizens' flood insurance requirements · Citizens Property Insurance Corporation · retrieved Supports: Under section 627.715, Florida Statutes, most new and renewing Citizens personal residential policies with wind coverage required to carry flood insurance by 1 January 2027, Homes in a FEMA special flood hazard area required already
- FloodSmart · Federal Emergency Management Agency, National Flood Insurance Program · retrieved Supports: Most homeowners insurance not covering flood damage
- SB 4-D (2022): Building Safety, chapter 2022-269, Laws of Florida · The Florida Senate · retrieved Supports: Milestone inspections required of condominium and cooperative associations, and a prohibition on waiving or reducing reserves for certain items after a specified date
- Florida Hometown Heroes Housing Program · Florida Housing Finance Corporation · retrieved Supports: Down payment and closing cost assistance for first-time, income-qualified buyers in eligible occupations employed full time by a Florida-based employer, Up to 5% of the first mortgage, a maximum of $35,000 and a minimum of $10,000, as a 0%, non-amortizing, 30-year deferred second mortgage that is not forgivable