City comparison · 1,582 km apart

Dallas vs Cape Coral: which should you move to?

Dallas 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.

Downtown across the Trinity
Texas · United States

Dallas

Photograph: Downtown across the Trinity · Tony Webster · CC BY-SA 2.0 · source
Cape Coral from the air
Florida · United States

Cape Coral

Photograph: Cape Coral from the air · David Wilson · CC BY 2.0 · source
The short answer

A city of 1,329,491 people that lost residents last year and one of 236,264 that has grown 21.8% since 2020, faster than any other US city of 200,000 or more but Port St. Lucie, priced in US dollars in states with no income tax, so the figures net directly, though a week apart: Dallas at Freddie Mac's 7.03% for 24 September 2026 and Cape Coral at 7.28% for 1 October. Both headlines are single-family medians over different areas: Dallas's is the NTREIS median inside the city, and the Cape Coral figure is the Royal Palm Coast Realtor Association's median for its Cape Coral region, $389,950, because none is published for the City. Mortgage, property tax and insurance come to about $3,529 a month on Dallas's $469,900 and $3,056 on the board's median, or $3,004 at the same rate, roughly 57% of Dallas's median household income of $74,323 and 43% of Cape Coral's $85,584. Zillow's index reverses the order, $305,765 for Dallas, and Zillow's index for the City of Cape Coral stood at $335,825. A homesteaded owner pays about 1.38% of the median in Cape Coral against 1.58% in Dallas, though the City's fire, stormwater and solid waste assessments, about $1,080 a year, bring Cape Coral's bill to about 1.65%. On FBI counts two years apart, Cape Coral's 2023 against Dallas's 2025, Cape Coral is far lower, 122 violent offenses per 100,000 against 577 and two homicides against 140. Choose Dallas for headquarters and finance, a job market about fourteen times the size, light rail and two airports. Choose Cape Coral for low crime, an 18.2 C January, the higher household income against the carry and a canal city still filling in, and price flood cover and the lot's utility assessments first.

Population
MeasureDallasCape CoralAdvantage
City population1,329,491 (2025)236,264 (2025)Not directly comparable
Metro population8,477,157 (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.
1.9% (2020-2025)21.8% (2020-2025)Not directly comparable
01: Housing

What a home costs in each

The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.

Housing costs
MeasureDallasCape CoralAdvantage
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.
$469,900 (August 2026)$389,950 (August 2026)Cape Coral
Detached house benchmark
Dallas and Cape Coral publish a single house index rather than a composite, so the two rows repeat.
$469,900$389,950Cape Coral
Apartment or condominium benchmark$310,000$191,729Cape Coral
Two-bedroom rent$1,853/mo (average, August 2026)$1,186/mo (median, September 2026)Cape Coral
One-bedroom rent$1,416/mo$1,032/moCape Coral
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.
29.9% of a year's income16.6% of a year's incomeCape Coral
Mortgage payment on the benchmark, 20% down
30-year amortization on American monthly compounding, the convention in both.
$2,509/mo at 7.03%$2,134/mo at 7.28%Cape Coral
Price to household income
Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not.
6.3×4.6×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.
$7,448/yr (1.585%, 2025)$5,362/yr (1.375%, 2025)Cape Coral
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)Dallas
Rent control
A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better.
Forbidden by state lawForbidden by state lawNot directly comparable

Dallas: About 1.58% of value for a homesteaded owner, worked out on the $469,900 median single-family sale price. A house in the City of Dallas and Dallas ISD is taxed by five units for 2025, which add to 2.22671 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Dallas ISD the state's $140,000 and a further 10% of its own, and Dallas County, the City, Dallas College and the Parkland Hospital District 20% each. So Dallas County levies 0.2155 per $100 on $375,920 after a $93,980 exemption, $810; City of Dallas levies 0.6988 per $100 on $375,920 after a $93,980 exemption, $2,627; Dallas ISD levies 0.993835 per $100 on $282,910 after a $186,990 exemption, $2,812; Dallas College levies 0.106575 per $100 on $375,920 after a $93,980 exemption, $401; Parkland Hospital District levies 0.212 per $100 on $375,920 after a $93,980 exemption, $797. The five come to $7,446 a year, 1.58% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $10,463. The appraisal district's own typical homestead is cheaper than the typical sale: its certified median market value for a City of Dallas homestead was $364,530 for the 2025 appraisal year, the value on 1 January 2025 these rates were levied on, and $364,000 for 2026. On $364,530 the same five units come to $5,465, 1.50%, lower because the school district's flat exemption is a larger share of a cheaper house. These are the 2025 rates, the bills due by 31 January 2026. The appraisal district's 2026 table was still its estimate of 4 March 2026 when these figures were retrieved, so the calculators stay on 2025 until the five units' 2026 rates are published. 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.

02: Crime and safety

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.

Crime
MeasureDallasCape CoralAdvantage
Crime Severity Index
Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series.
Not publishedNot publishedNot directly comparable
Violent crime per 100,000577 (2025)122 (2023)Cape Coral
Property crime per 100,0003,081 (2025)918 (2023)Cape Coral
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.
140 (2025)2 (2023)Not directly comparable
Dallas

On the FBI's definitions, violent offenses in Dallas went from 11,181 in 2021 to 10,255 in 2022, 9,025 in 2023, 8,747 in 2024 and 7,674 in 2025, a 12% drop in the last year and 31% in four, and property offenses from 46,991 to 49,224, a peak of 52,641 in 2023, then 45,106 and 40,962, 22% below the peak. Motor vehicle theft drove most of that swing: 11,818 in 2021, 18,457 in 2023 and 11,162 in 2025. In 2025 the CDE shows aggravated assaults down 12% (5,826 to 5,144), robberies down 10% (2,235 to 2,020), rapes down 27% (505 to 370) and murders down 23% (181 to 140). On its own definitions DPD reported violent crime down 12%, robberies down 10%, aggravated assaults down 12% and sexual assaults down 13%. The 2025 CDE counts were read on 27 September 2026 from a feed last refreshed on 15 September and can still be revised.

What the rates cover: Computed: 7,674 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Dallas Police Department (ORI TXDPD0000) in calendar 2025, divided by the 1,329,491 Vintage 2025 city population. On the CDE's own agency population of 1,331,217 the rate is 576. DPD does not publish a total on this definition. The violent crime its Violent Crime Reduction Plan tracks is murder, robbery and aggravated assault, with family-violence and other aggravated assaults counted separately and rape left out. Its public incident dataset on Dallas OpenData, which the city describes as a research copy rather than the authoritative count, lists only 57 murder incidents and 12 family-violence aggravated assault incidents for 2025, so it cannot rebuild either total.

Homicides: 140 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 181 in 2024, about 10.5 per 100,000 on the city population. DPD's own year-end count was 141 homicides against 184 in 2024, a 23% drop (CBS Texas, February 2026); nothing fetched explains the gaps of one and three cases between the two series. The high point in the CDE series since 2021 is 244, in 2023.

Cape Coral

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.

03: Climate

Winters, summers and what the weather can do to a house

Climate normals
MeasureDallasCape CoralAdvantage
January mean8.8 °C18.2 °CNot directly comparable
July mean30.7 °C28.4 °CNot directly comparable
Precipitation a year973 mm1,458 mmNot directly comparable
Snowfall a year4 cm0 cmNot directly comparable
Sunshine a year2,850 hoursNot publishedNot directly comparable
Dallas

NOAA NCEI 1991-2020 normals for Dallas Love Field (station USW00013960), the city's own climate station about 6 miles northwest of downtown: January mean 47.8F, July mean 87.3F, annual mean 68.0F, 38.32 in of precipitation, 1.7 in of snow. July and August tie as the warmest months at 87.3F, with mean highs of 96.9F and 97.1F, and January's mean low is 37.9F. October (4.79 in) and May (4.57 in) are the wettest months and July (1.71 in) the driest, and most of the snow falls in February (0.9 in). The normals count 107.5 days a year at 90F or above, 22.4 at 100F or above and 23.1 nights at or below freezing. Dallas Fort Worth International Airport (USW00003927), where the National Weather Service keeps the metro's official record, averages 46.3F in January and 85.7F in July with 37.01 in of rain and 1.6 in of snow, 20.3 days at 100F or above and 29.2 nights at or below freezing. Converted here to 8.8 C, 30.7 C, 973 mm and 4.3 cm. That July mean is the warmest of any city this site compares, 1.5F (0.8 C) above Austin's at Camp Mabry. Sunshine hours are the older 1961-1990 NCDC means (2,850 hours, 61% of possible), since the 1991-2020 normals do not include sunshine.

Hazards: Heat is the constant. The normals give Love Field 22.4 days a year at or above 100F (37.8 C); its record since 1939 is 73 such days in 2011, including 40 in a row from 2 July to 10 August, and its highest reading is 112F (44.4 C), on 26 and 27 June 1980 and again on 22 July 2018. At DFW Airport the record is 71 days in 2011 and the longest run 42, from 23 June to 3 August 1980, when the airport reached 113F (45.0 C). The summer of 2026 is among the hottest on record: by 22 September Love Field had 54 days at 100F or above, fourth in its record, and DFW 52, tied for fifth, 27 of them in August. Hail is the costly routine hazard. NOAA's billion-dollar disaster list counts a North Texas hailstorm on 23 and 24 March 2016 at $2.06 billion in 2016 dollars, and on 11 April 2016 a supercell dropped hailstones up to 5.25 in (13.3 cm), the record for the NWS Fort Worth area, and hit 80% of the homes in Wylie, northeast of the city; Cotality counted more than 235,000 Texas homes hit by damaging hail in 2025, far more than in any other state. Tornadoes reach the city itself. On 20 October 2019 an EF3 with winds near 140 mph (225 km/h) tracked 15.76 miles (25.4 km) from near I-35E and Walnut Hill Lane through Preston Hollow to US 75 and on into Richardson, damaging a high school, a middle school and an elementary school, destroying about 118 structures and doing $1.55 billion of damage without a death; on 26 December 2015 an EF4 killed 10 people in Sunnyvale, Garland and Rowlett in eastern Dallas County. The Trinity River passes downtown between 23 miles (37 km) of levees 29 to 32 ft (8.8 to 9.8 m) high, completed in 1932 and upgraded by the Army Corps of Engineers in the 1950s. The river's record crest at Dallas, 52.6 ft (16.0 m), came in the flood of May 1908, before them; the highest since was 47.1 ft (14.4 m) in May 1990, and by November 2023 the Corps had raised the West levee to carry 277,000 cubic feet (7,844 cubic meters) a second, with the East levee still to do. Flash floods on the creeks are the more frequent danger: on 21 and 22 August 2022, 9.19 in (233 mm) fell at DFW Airport in 24 hours, second only to 9.57 in (243 mm) in September 1932, 9.14 in (232 mm) fell at Love Field and 15.16 in (385 mm) at a gauge on White Rock Creek at Scyene Road, and at least one person died. Cold is rare and badly handled when it comes. Winter Storm Uri left 5.3 in (13.5 cm) of snow at Love Field from 14 to 17 February 2021 and a low of 2F (-16.7 C) on the 16th, matched there only in January 1949 and beaten only in January 1940 (0F, -17.8 C) and December 1989 (1F, -17.2 C); DFW Airport fell to -2F (-18.9 C), the lowest in its record since 1953. ERCOT cut power across the state grid from 15 to 18 February and about 4.5 million customers lost it at the worst; Texas counted 246 deaths from the storm, 22 of them in Dallas County. In January 2026 Winter Storm Fern brought 2.4 in (6.1 cm) of snow and sleet to DFW Airport and lows of 13F (-10.6 C), and the grid held. Drought is the slow hazard. The seven water supply lakes the Texas Water Development Board counts for the Dallas area stood at 86.5% of conservation capacity on 27 September 2026, down from 98.7% at the end of June; in the 2011 to 2015 drought they fell to 62.7% before the rains of 2015 filled them. Dallas has capped lawn watering at twice a week since April 2012.

Cape Coral

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.

04: Income, jobs and taxes

What people earn and what the government takes

Income and taxes
MeasureDallasCape CoralAdvantage
Median household income$74,323 USD (2024)$85,584 USD (2024)Cape Coral
Unemployment rate4.2% (July 2026)5.2% (July 2026)Dallas
Sales tax8.25%6.5%Cape Coral
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.
37%37%Even
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.
$13,449 USD$13,449 USDEven
Dallas

BLS counted 4,353,400 nonfarm jobs in the Dallas-Fort Worth-Arlington MSA in July 2026 (not seasonally adjusted), up 54,000 or 1.3% on the year. Professional and business services (+3.0%, to 805,200) and leisure and hospitality (+3.0%) grew fastest, then mining, logging and construction and education and health services (both +2.0%), while information (-2.8%), financial activities (-1.0%) and manufacturing (-0.7%) shrank. Trade, transportation and utilities is the largest sector at 895,000 jobs, and government employs 465,400. The seasonally adjusted series (FRED DALL148NA) was 4,363,400 in August 2026, 1.1% above August 2025. Average weekly wages across the metro were $1,785 in the first quarter of 2026 against $1,654 nationally. The Dallas Regional Chamber counts 21 Fortune 500 headquarters in the region as of 2025 and 44 in the Fortune 1000, among them AT&T, Texas Instruments, American Airlines, Kimberly-Clark, Toyota Motor North America and McKesson.

Main sectors: Trade, transportation and utilities, the metro's largest sector (DFW Airport, American Airlines, Southwest Airlines, BNSF Railway), Corporate headquarters and professional and business services (AT&T, Texas Instruments, McKesson, Kimberly-Clark, Toyota Motor North America), Financial activities (the Federal Reserve Bank of Dallas, Charles Schwab, JPMorgan Chase, Goldman Sachs, Bank of America), Health care and education (Baylor Scott & White Health, Texas Health Resources, UT Southwestern Medical Center, Children's Health), Aerospace and advanced manufacturing (Lockheed Martin, Bell Textron, Raytheon, Texas Instruments).

Property tax is the local levy that matters. Tax Foundation puts Texas's effective property tax rate on owner-occupied homes at 1.40%, and school districts must exempt $140,000 of a homestead's value from their tax. The City of Dallas's own rate for the fiscal year that starts on 1 October 2026 is 69.78 cents per $100 of taxable value, down from 69.88 cents, the eleventh cut in a row, in a $5.66 billion budget. Proposition U, a charter amendment Dallas voters approved in November 2024, requires the council to put at least half of each year's revenue growth into the Dallas Police and Fire Pension System, with any remainder of that half going to police pay and to a force of at least 4,000 officers; the budget adopted in September 2026 funds 3,651 officers by the end of September 2027 and 3,800 a year later. The county, school district and other levies on the same bill belong to the housing layer.

Cape Coral

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.

05: Getting around

Whether you need a car

Transit
MeasureDallasCape CoralAdvantage
SystemDART buses (nearly 700 vehicles), four light rail lines on 93 miles of track, the 26-mile Silver Line commuter rail from Plano to DFW Airport (opened October 2025), the Trinity Railway Express to Fort Worth run with Trinity Metro, the Dallas Streetcar and GoLink on-demand zonesLeeTran, 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 transit2.0% (2024)0.2% (2024)Dallas
Walk or cycle to work2.5% (2024)1.0% (2024)Dallas
AirportDallas Fort Worth International Airport (DFW), 85,660,127 passengers in 2025, 2.5% fewer than 2024's 87,817,864, per the airport's December 2025 traffic report; 12.65 million of them were international and American Airlines carried 82.6%. ACI World ranked it the fourth-busiest airport in the world by passengers in 2025 and third by aircraft movements. Dallas Love Field (DAL), about 6 miles northwest of downtown and the birthplace and headquarters of Southwest Airlines, handled 16,899,203 passengers in 2025, 5.5% fewer than in 2024 (FAA figures as cited by Wikipedia; the airport's website refused the fetcher).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
Dallas

DART carried 52,823,800 unlinked trips in 2025, 28,151,100 of them by bus and 21,611,600 on light rail, and about 157,300 a weekday in the second quarter of 2026, 65,300 of them on light rail (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher). DART's own figure is more than 171,000 passengers a day across a 700-square-mile, 12-city service area. The Trinity Railway Express, which DART runs with Fort Worth's Trinity Metro, carried 1,337,600 trips in 2025 (APTA, same source). The Silver Line opened on 25 October 2025 through Plano, Richardson, Dallas, Addison, Carrollton, Coppell and Grapevine to DFW Airport, every 30 minutes at weekday peaks and hourly otherwise. DART is paid for by a 1% sales tax in its member cities, and the suburbs have pushed back on what they pay: Plano, Irving and Farmers Branch canceled withdrawal elections set for May 2026 after agreements that return part of their sales tax over six years for local transportation projects, Addison and University Park voted to stay, and Highland Park voted by 70% to leave, with service ending on 14 May 2026.

Cape Coral

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).

06: Daily life

Health care, schools and what each city is like

Dallas

Health care

Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Texas is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF, August 2026). It had the highest uninsured rate of any state in 2024: 16.7%, or 5,152,427 of 30,799,312 people, against 8.2% nationally and 12.0% in Georgia, the next highest, on the ACS 2024 1-year estimates. The City of Dallas's rate was 22.7% (297,684 of 1,313,770), Dallas County's 21.9% and the metro's 16.2%. Parkland Memorial Hospital, licensed for 983 beds, is Dallas County's only public hospital and UT Southwestern's primary teaching hospital; it became the first certified Level I trauma center in Texas in 1983 and runs a burn center. UT Southwestern Medical Center, whose faculty have received six Nobel Prizes, runs William P. Clements Jr. University Hospital in the Southwestern Medical District, and more than half the doctors practicing in Dallas trained there at least in part. Baylor University Medical Center, which opened in 1903 and is now the North Texas flagship of Baylor Scott & White Health, has 914 beds and a Level I trauma center that Baylor Scott & White describes as one of only three adult trauma centers in Dallas. Children's Health and UT Southwestern broke ground in October 2024 on a $5 billion pediatric campus with 552 beds to replace Children's Medical Center Dallas, projected to open in 2031. This file did not verify a wait time figure for primary or specialist care.

Education

Dallas ISD, the second-largest school district in Texas, opened the 2026-27 year on 11 August with about 132,000 students, down from about 134,300 a year earlier (KERA). Superintendent Stephanie Elizalde blamed federal immigration policy in part. KERA adds that charter schools and the state's new education savings accounts may account for some of the loss; more than 2,800 students in the district had qualified for the accounts, which help pay private school tuition, on the Comptroller's latest count. The district made pre-kindergarten free for all 3- and 4-year-olds this year and enrolled about 11,000 children in it, and the Texas Education Agency rated the district B for 2025. Southern Methodist University (12,544 students in fall 2025) is in University Park, a separate town north of downtown, the University of Texas at Dallas is in Richardson, and Dallas College runs seven campuses in Dallas County.

Living there

Dallas is the corporate and financial center of the fourth-largest metro in the country, and the metro is growing around the city rather than inside it. The Dallas-Fort Worth area added 123,557 people in 2024-25, more than any metro but Houston, while the city lost 1,808 and Dallas County lost 46,226 more residents to the rest of the country than it gained, so newcomers settle in Collin, Denton and Kaufman counties. The city has 93 miles of DART light rail and, since October 2025, a commuter line to DFW Airport, yet 68.6% of its workers drive alone and 2.0% take transit. Summer is the hard season: the July mean at Love Field is 87.3F, the warmest of any city this site compares, and the station had 54 days at 100F or more by late September 2026. Hail and tornadoes are the costly weather. Texas takes no income tax, and 22.7% of the city's residents have no health insurance. The open question is whether the city can hold up its end as the region spreads outward: three suburbs won back part of the sales tax they pay DART and a fourth voted to leave, voters wrote a minimum of 4,000 police officers into the charter in 2024 and the adopted budget plans for 3,800 by September 2028, and Dallas ISD began 2026-27 with about 2,300 fewer students than the year before.

Cape Coral

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.

07: The trade-offs

Where each city wins, and where it loses

Both cities price in US dollars, though they were priced a week apart: Dallas at Freddie Mac's 7.03% for 24 September 2026 and Cape Coral at 7.28% for 1 October, so the mortgage lines differ by rate as well as price, and Cape Coral's is given at both. Both headlines are medians of single-family houses sold in August 2026, over different areas. Dallas's is the North Texas Real Estate Information System's median inside the city, $469,900, 6.0% below a year earlier. The Cape Coral figure is the Royal Palm Coast Realtor Association's median for its Cape Coral region of the Southwest Florida MLS, $389,950 on 442 sales, 6.1% above a year earlier; no median is published for the City itself, and the board's region is the closest figure anyone publishes, with North Fort Myers and Pine Island counted as regions of their own. Zillow's index, which models every home in each city rather than the ones that sold, reverses the order: it stood at $305,765 for Dallas in August, and Zillow's index for the City of Cape Coral stood at $335,825, 3.9% lower on the year, so on a measure that is the same in both Cape Coral is the more expensive by about $30,000. At 20% down, Dallas's $375,920 loan costs about $2,509 a month and a $311,960 loan on the board's Cape Coral region median about $2,134 at 7.28%, or $2,082 at 7.03%. Property tax is $7,448 a year in Dallas and about $5,362 in Cape Coral with a homestead, and insurance is budgeted at $400 and $475 a month, the Dallas figure raised by North Texas hail and the Cape Coral one an estimate between published averages of $3,695 and $8,688 a year, for a Florida policy that covers wind with a separate hurricane deductible, with no flood policy in either. The three lines come to about $3,529 and $3,056, roughly 57% and 43% of each city's 2024 median household income; at 7.03% Cape Coral's would be about $3,004. Of the $473 gap the mortgage is about $374 and the property tax $174, less the $75 a month more Cape Coral pays in insurance, and at the same rate the gap would be about $526. Rents are on different series and areas, RentCafe's August averages for Dallas and Apartment List's September medians for Lee County, since Apartment List publishes none for the City: a one-bedroom at $1,416 against $1,032, a two-bedroom $1,853 against $1,186. Zillow's observed rent index, the same measure in both cities, reverses that, $1,591 in Dallas and $1,949 in Cape Coral in August, about 26% and 27% of median income. Apartment List's index is of apartments, and a house rented out is not what it measures; the Census Bureau's 2024 median gross rent for the City, $1,998, sits beside Zillow's.

The definitions match but the years do not. Both cities' figures are the FBI's summarized counts divided by Census Vintage 2025 populations, but Dallas's are for 2025 and Cape Coral's for 2023, the last full year the FBI carries for its police department: the Crime Data Explorer has nothing from the department after October 2024, the state's incident-based file has nothing for 2025, and why the reporting stops was not found. On those figures Cape Coral is far lower on every line. Its 277 violent offenses in 2023 come to 122 per 100,000 against Dallas's 577 on 7,674 in 2025, and its 2,088 property offenses to 918 against 3,081 on 40,962. Homicide was 2 in Cape Coral in 2023, about 0.9 per 100,000, against 140 in Dallas in 2025, about 10.5. The gap in years does not decide the order: Dallas's violent offenses fell 12% in 2025 and 31% in four years, so its earlier years ran higher still, and Cape Coral's highest year in its series, 2022, came to about 185 per 100,000. Cape Coral's record falls on every count that exists: violent offenses went from 403 in 2022 to 277 in 2023, January to October 2024 brought 236, and the state's file, which counts somewhat differently, has 420, 357 and 243 for 2022 to 2024. For 2025 there is only the department's own word, a 28% drop in overall crime published without the counts behind it. Dallas's record is long and improving: murders fell from 181 to 140, and motor vehicle theft fell from a peak of 18,457 in 2023 to 11,162. Both sets of FBI counts come from a feed last refreshed on 15 September 2026 and can still be revised.

Cape Coral has the far milder winter and more hot days, but not the hottest ones. January averages 18.2 C at Fort Myers Page Field, about 9 miles east-southeast of the city's center across the Caloosahatchee River because no station inside the city has current normals, against 8.8 C at Love Field, with 0.1 nights a year at or below freezing against 23.1, and July 28.4 C against 30.7 C, the warmest July mean of the cities this site compares. Page Field's normals count 120.3 days a year at 90F or above against Love Field's 107.5, but none at or above 37.8 C (100F) against 22.4: Cape Coral's heat is long rather than extreme, with 168 days at 90F or above at Page Field in 2023, the most since 2010, while Love Field had 54 days at 100F or more by 22 September 2026. Cape Coral gets 1,458 mm of rain a year, 67% of it from June through September, against Dallas's 973 mm, and no snow on the normals against 4.3 cm; no Fort Myers or Cape Coral station is on the 1961-1990 sunshine series behind Dallas's 2,850 hours. The costly weather differs in kind. Dallas's is hail and tornadoes: a supercell dropped stones up to 5.25 in (13.3 cm) in April 2016, and an EF3 went through Preston Hollow in October 2019. Cape Coral's is the hurricane and its surge. Ian came ashore on Cayo Costa, the barrier island off Pine Island west of the city, on 28 September 2022 at 150 mph, a high category 4, and put 6 to 9 feet of water above the ground in Cape Coral and Pine Island; the surge sensor in Cape Coral was lost before it recorded a peak. Surge killed 41 people, 36 of them in Lee County, where at least 52,514 structures were affected and 5,369 destroyed, and Ian's $112.9 billion of damage in the US made it the costliest hurricane in Florida's history. Dallas's rare hard freeze came with Winter Storm Uri, which took Love Field to 2F (-16.7 C) in February 2021 while ERCOT cut power across the state grid, and Texas counted 22 of the storm's 246 deaths in Dallas County. Page Field has recorded one night at or below freezing since 2010, 31F on 11 January 2010.

Dallas sits in a labor market about fourteen times the size of Cape Coral's, and the faster-growing one. BLS counted 4,353,400 nonfarm jobs across Dallas-Fort Worth in July 2026, 1.3% more than a year earlier, and 311,300 in the Cape Coral-Fort Myers metro, which is Lee County alone, in August, 1,500 more, a gain of 0.5%. On the same unadjusted basis unemployment in July was 4.6% across Dallas-Fort Worth and 5.2% around Cape Coral, against 4.4% nationally. Dallas has the corporate headquarters and the finance: the Dallas Regional Chamber counts 21 Fortune 500 headquarters in the region for 2025, among them AT&T, Texas Instruments and McKesson, and the Federal Reserve Bank of Dallas, Charles Schwab and JPMorgan Chase are among the metro's financial employers. Cape Coral runs on building and on the people who move in: mining, logging and construction held 40,900 of its metro's jobs, 13%, about twice the share around Tampa and St. Petersburg, in a city still filling lots platted in the 1950s and 1960s and rebuilding after Ian. Its largest employers are the Lee County School District, Lee Health, the City itself and Publix, and health care and leisure added the most metro jobs in the year, 1,500 each, while local government lost 2,400. Most of its residents work elsewhere: 54% of the city's workers worked outside it in 2024, though fewer than one in ten left Lee County, and 11% of commuters spent an hour or more getting there. Average weekly wages across Dallas-Fort Worth were $1,785 in the first quarter of 2026 against $1,654 nationally; the Cape Coral profile carries no wage figure. City median household income was $74,323 in Dallas and $85,584 in Cape Coral in 2024, the latter with a margin of error of $7,375 either way, and the metros' $92,733 and $83,602, so the city with the larger metro income has the smaller city income. Neither state taxes income, so $100,000 pays $13,449 in federal tax in both for 2025, and sales tax is 8.25% in Dallas against 6.5% in Lee County. The property tax stacks are far apart on paper. Dallas's five units add to 2.22671 per $100. A house in the City of Cape Coral pays thirteen levies adding to 15.3806 mills, about 1.54 per $100: Lee County's general revenue, two school district lines, the City's operating levy and its voted parks bond, the county's All Hazards and Library districts, three South Florida Water Management District lines, the hyacinth and mosquito control districts and the West Coast Inland Navigation District. There is no fire district line, because the City bills fire service as an assessment instead. The exemptions narrow the gap: Texas takes $140,000 off the school levy, Dallas ISD adds 10% of its own and the other four units take 20% each, where Florida takes $25,000 off every levy and a second $25,000 off all but the schools. So on the same $389,950 house Dallas's five units would charge about $5,943 against $5,362, and on $469,900 the Cape Coral stack would charge about $6,591 against Dallas's $7,448.

Dallas has a transit system and Cape Coral has very little of one. In 2024, 2.0% of Dallas workers took transit and 2.5% walked or cycled, against 0.2% and 1.0% in Cape Coral, the lowest transit share of any city this site compares and one whose margin of error means the true figure could be zero; 68.6% of Dallas's workers drove alone against 70.0%, and 13.5% worked from home against 16.3%. DART carried 52,823,800 trips in 2025, 21,611,600 of them on 93 miles of light rail, and is paid for by a 1% sales tax in its member cities, some of which have pushed back on what they pay, Highland Park voting to leave. Cape Coral's buses are the county's: LeeTran runs 18 fixed routes across Lee County, six of them within the city, Monday to Saturday with reduced Sunday service, and carried 1,969,906 trips in 2025, about one for every 27 of DART's. There is no passenger rail, and the city sits on a peninsula, reaching Fort Myers across the Caloosahatchee by two bridges, the Cape Coral Bridge and the Midpoint Memorial Bridge. The airports are far apart in size. DFW handled 85,660,127 passengers in 2025, 82.6% of them on American, and Love Field, about 6 miles from downtown Dallas and Southwest's headquarters, 16,899,203. Southwest Florida International, southeast of Fort Myers and about 17 miles from Cape Coral's center, handled a record 11,154,458, with Delta, Southwest, American and United its largest carriers.

Coverage is a state problem in both, and a far larger one in Dallas. Neither Texas nor Florida has expanded Medicaid. Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of Dallas's was 22.7%; Florida's was 10.9%, and the City of Cape Coral's 9.4%, against 8.2% nationally. The hospitals differ in rank. Dallas's safety net is Parkland Memorial, licensed for 983 beds, a Level I trauma center and UT Southwestern's primary teaching hospital. Cape Coral's is Lee Health's Cape Coral Hospital, whose emergency department grew to 56 treatment spaces in January 2026, and Lee Health opened a walk-in care center in south Cape Coral in late 2025. Lee Health, which runs four acute care hospitals across the county, was a public special district until November 2024 and is now a private nonprofit bound by an agreement with the county to keep providing safety-net care. Neither profile verified a wait time, and the Cape Coral one carries no bed count. Both school districts are shrinking. Dallas ISD opened 2026-27 with about 132,000 students against about 134,300 a year earlier, made pre-kindergarten free for all 3- and 4-year-olds and was rated B for 2025. The Lee County School District, the countywide district, counted 87,107 students in its own schools and 13,329 in charters in 2025-26, and had lost 1,946 from the year before, mainly to home education, private schools, other districts and moves, though the zone that takes in Cape Coral was at 94% of capacity. The City of Cape Coral also runs its own municipal charter schools, two elementary schools, a middle school and a high school, free and open only to children who live in the city. SMU and UT Dallas sit outside Dallas's city limits, and Cape Coral's higher education is across the river: Florida Gulf Coast University, opened in 1997, with almost 15,000 students in 2017, and Florida SouthWestern State College, whose main campus is in Fort Myers.

What people underestimate is that Cape Coral's low millage is not the whole bill, and that the lot under the house can carry costs of its own. With a homestead the effective rates are about 1.38% on the board's Cape Coral region median and 1.58% on Dallas's, and without one the two medians would owe $5,998 and $10,463. But the City of Cape Coral bills fire service, stormwater and solid waste as assessments on the same bill, about $1,080 a year for 2025-26 on a house whose structure is valued at $275,000, the City's own example, which no exemption reduces; with them a homesteaded owner's bill comes to about 1.65% of the price, a little above Dallas's. Cape Coral began, in the City's words, as a low-density community on septic tanks and shallow wells, 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, and the two latest areas, North 1 West and North 1 East, cost $33,367 and $32,288 on a standard lot paid up front, or up to $3,734 and $3,385 a year on the tax bill over 30 years, a lien that passes with the lot. Parts of Dallas sit in public improvement districts. The water is the other cost: 20,889 lots sit on saltwater canals that reach the Gulf and 16,881 on freshwater canals that do not, 160 bridges with set clearances decide what boat can reach a given dock, and a seawall and dock are costs of their own. Since Ian the City applies FEMA's rule that a building whose repair or improvement costs half its depreciated market value must be brought up to the floodplain rules for new buildings, its lowest floor raised. Flood cover is in neither carry, and from 1 January 2027 most Citizens Property Insurance policies with wind cover must carry it. After a purchase both states tax the buyer at full value: Save Our Homes caps a homesteaded Florida assessment at 3% a year and resets it to market value the January after a sale, and the Texas 10% cap lapses on a sale too, so neither seller's bill is a guide, and in both the exemption has to be filed. Closing differs. Texas has no transfer tax and no tax on the loan, and the Texas seller customarily buys the buyer's owner's title policy, $2,607 on Dallas's median. Florida charges documentary stamp tax on the deed at 70 cents per $100, $2,730 on the board's Cape Coral region median and the seller's by convention, and the buyer pays 0.55% of the loan in stamp and intangible tax, about $1,716 at 20% down. Dallas has cut its own rate for the eleventh year in a row, to 69.78 cents per $100 from 1 October 2026; for fiscal 2027 the Cape Coral City Council capped its operating rate at 5.1988 mills, the rolled-back rate, and its adopted rate was not found. And the growth runs in opposite directions. Dallas lost 1,808 residents in 2024-25 and has grown 1.9% since 2020, while its metro added 123,557. Cape Coral added 3,156, 1.4% and its smallest gain in five years, and has grown 21.8% since 2020, second only to Port St. Lucie among the 129 US cities of 200,000 or more, on a tract two Baltimore developers bought in 1957 and their Gulf American Land Corporation sold as lots at dinner events in 24 states, digging more than 400 miles of canals. Lee County has recorded more deaths than births in every year since 2020, so all of that growth is people moving in, and the city's median age, 48.0, is nearly nine years above the nation's.

Dallas

Better here

  • The Dallas Regional Chamber counts 21 Fortune 500 headquarters in the region for 2025, among them AT&T, Texas Instruments and McKesson, and the city is the metro's financial center.
  • Nonfarm jobs grew 1.3% across Dallas-Fort Worth in the year to July 2026, to 4,353,400, against 311,300 in the Cape Coral metro, and unemployment was 4.6% against 5.2% on the same unadjusted basis.
  • Zillow's index stood at $305,765 for Dallas in August, below its $335,825 for the City of Cape Coral, and Zillow's observed rent index was $1,591 against $1,949.
  • DART runs 93 miles of light rail and carried 52,823,800 trips in 2025, against 1,969,906 on LeeTran's buses across all of Lee County.
  • DFW handled 85,660,127 passengers in 2025 and Love Field 16,899,203, where Southwest Florida International handled 11,154,458 about 17 miles from Cape Coral's center.
  • Average weekly wages across the metro were $1,785 in the first quarter of 2026 against $1,654 nationally, and metro median household income was $92,733 in 2024 against $83,602 in Lee County.

Worse here

  • Mortgage, property tax and insurance come to about $3,529 a month on the August 2026 median, roughly 57% of the city's median household income, against $3,056 and 43% on the board's Cape Coral region median at 7.28%.
  • Violent crime ran 577 per 100,000 in 2025 against 122 in Cape Coral in 2023, property crime 3,081 against 918, and there were 140 homicides against 2, on FBI counts two years apart.
  • The City of Dallas's uninsured rate was 22.7% in 2024 against 9.4% in the City of Cape Coral.
  • July averages 30.7 C at Love Field, the warmest July mean of the cities this site compares, and the normals count 22.4 days a year at or above 37.8 C (100F) against none.
  • City median household income was $74,323 in 2024, about $11,000 below Cape Coral's $85,584.
  • The city lost 1,808 residents in 2024-25 and has grown 1.9% since 2020, against 21.8% in Cape Coral.

Choose Dallas if

  • you work in corporate headquarters, finance or professional services
  • you want light rail, and a transit system that carried 52,823,800 trips in 2025
  • you fly often and want a hub airport and Love Field about 6 miles from downtown
  • you rent, where Zillow's observed rent index was $1,591 in August against $1,949 in Cape Coral

The Dallas guide · Neighborhoods · Dallas rent vs buy · Dallas mortgage calculator

Cape Coral

Better here

  • Violent crime ran 122 per 100,000 in 2023, the lowest of the Florida cities this site compares, against 577 in Dallas in 2025, and there were 2 homicides, about 0.9 per 100,000, against 140.
  • Mortgage, property tax and insurance come to about $3,056 a month on the board's Cape Coral region median at 7.28%, roughly 43% of the city's median household income, against $3,529 and 57% in Dallas at 7.03%.
  • January averages 18.2 C with 0.1 freezing nights a year, against 8.8 C and 23.1 at Love Field, and the normals count no days at 100F against 22.4.
  • The City of Cape Coral's uninsured rate was 9.4% in 2024 against 22.7% in the City of Dallas.
  • City median household income was $85,584 in 2024 against $74,323, and sales tax is 6.5% against 8.25%.
  • The city has grown 21.8% since 2020, second only to Port St. Lucie among US cities of 200,000 or more, and 20,889 of its lots sit on saltwater canals that reach the Gulf.

Worse here

  • The City's fire, stormwater and solid waste assessments add about $1,080 a year that no exemption reduces, bringing a homesteaded bill to about 1.65% of the price against 1.58% in Dallas.
  • Unemployment was 5.2% around Cape Coral in July 2026 against 4.6% across Dallas-Fort Worth, and the metro added 1,500 jobs in the year to August, a gain of 0.5%.
  • Insurance is budgeted at $475 a month between published averages of $3,695 and $8,688 a year, and Hurricane Ian put 6 to 9 feet of water over the ground in Cape Coral in 2022.
  • Only 0.2% of workers took transit in 2024, the lowest share of any city this site compares, and there is no passenger rail.
  • A lot in the latest areas to get City water and sewer is assessed $32,288 to $33,367 up front, or up to $3,734 a year on the tax bill.
  • The seller pays documentary stamp tax of $2,730 on the board's Cape Coral region median and the buyer about $1,716 in stamp and intangible tax on the loan, where Texas taxes neither the deed nor the loan.

Choose Cape Coral if

  • you want low crime, on the last figures the FBI has for the city
  • you want to own at about $3,056 a month rather than $3,529 on a higher household income
  • you want an 18.2 C January and no 100F days, and will plan around a hurricane season and check an address's surge and flood risk first
  • you work in construction, health care, the schools or tourism in Lee County, or can keep a job elsewhere

The Cape Coral guide · Neighborhoods · Cape Coral rent vs buy · Cape Coral mortgage calculator

08: Questions people ask

Dallas or Cape Coral, in short

Is Dallas or Cape Coral cheaper to live in?

Cape Coral, to own on sale prices; Dallas on what the homes are worth and on rent. The cities were priced a week apart, Dallas at Freddie Mac's 7.03% of 24 September 2026 and Cape Coral at 7.28% of 1 October, and both prices are single-family medians: the NTREIS median inside Dallas, $469,900 in August 2026, and the Royal Palm Coast Realtor Association's median for its Cape Coral region, $389,950, the board's region because none is published for the City. At 20% down the mortgage is about $2,509 against $2,134. Property tax is $7,448 a year against about $5,362 with a homestead, and insurance $400 a month against $475, so the three lines come to about $3,529 in Dallas and $3,056 in Cape Coral, or $3,004 at the same 7.03%, roughly 57% and 43% of each city's median household income, $74,323 and $85,584. Zillow's index, which models every home, reverses the order, $305,765 for Dallas, and Zillow's index for the City of Cape Coral stood at $335,825. Zillow's observed rent index was $1,591 in Dallas and $1,949 in Cape Coral in August. Neither state taxes income, and sales tax is 8.25% in Dallas against 6.5% in Lee County. Cape Coral's carry leaves out about $1,080 a year in City assessments, and neither includes a flood policy.

Is Dallas or Cape Coral safer?

Cape Coral, on every line, though its figures are two years older. Both are the FBI's summarized counts divided by Census estimates, but the FBI has nothing for Cape Coral's police after October 2024, so its last full year is 2023, against 2025 for Dallas. Violent offenses ran 122 per 100,000 in Cape Coral against 577 in Dallas, property offenses 918 against 3,081, and homicide was 2 in Cape Coral, about 0.9 per 100,000, against 140 in Dallas, about 10.5. The years do not decide it: Dallas's violent offenses dropped 12% in 2025 and 31% in four years, so its earlier years were higher, and Cape Coral's highest recent year, 2022, came to about 185 violent offenses per 100,000. Cape Coral's police reported a 28% drop in crime in 2025 without publishing the counts. Every rate here is a count divided by a Census estimate rather than a published rate, and the counts can still be revised.

Which has the better job market, Dallas or Cape Coral?

Dallas's, which is about fourteen times the size and growing faster. BLS counted 4,353,400 nonfarm jobs across Dallas-Fort Worth in July 2026, 1.3% more than a year earlier, and 311,300 in the Cape Coral-Fort Myers metro in August, 0.5% more. On the same unadjusted basis unemployment was 4.6% and 5.2% in July. Dallas's work leans on corporate headquarters, finance, trade and aerospace, and its average weekly wage was $1,785 in early 2026 against $1,654 nationally. Cape Coral's leans on construction, which holds 13% of its metro's jobs, health care, retail, the schools and tourism, and 54% of the city's workers commute out of the city, nearly all of them to elsewhere in Lee County. Median household income was $92,733 across the Dallas metro in 2024 against $83,602 in Lee County, though the City of Cape Coral's $85,584 was above the City of Dallas's $74,323.

What does buying cost beyond the price in Dallas and in Cape Coral?

Closing taxes, City assessments and the lot itself in Cape Coral, and a reset in both. Texas has no transfer tax and no tax on the loan, and the seller customarily buys the buyer's owner's title policy, $2,607 on Dallas's median. Florida charges documentary stamp tax on the deed at 70 cents per $100, $2,730 on the board's Cape Coral region median and the seller's by convention, and the buyer pays 0.55% of the loan in stamp and intangible tax, about $1,716 at 20% down. In both states the seller's tax bill is no guide: Save Our Homes resets a Florida assessment to market value the January after a sale, the Texas 10% homestead cap lapses on a sale, and each exemption has to be filed; without one the medians would owe $10,463 in Dallas and $5,998 in Cape Coral. Parts of Dallas sit in public improvement districts. The City of Cape Coral adds about $1,080 a year in fire, stormwater and solid waste assessments, and a lot in an area still being connected to City water and sewer carries an assessment of its own, $32,288 to $33,367 up front in the two latest areas or up to $3,734 a year on the tax bill. Neither carry here includes flood insurance, and from 1 January 2027 most Citizens Property Insurance policies with wind cover must carry it.

Sources

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.

  1. Annual Estimates of the Resident Population for Incorporated Places in Texas: April 1, 2020 to July 1, 2025 (SUB-EST2025) · US Census Bureau · retrieved
    Supports: City population, Five-year growth, Violent crime rate, Property crime rate, Homicides, Character
  2. 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
  3. Crime Data Explorer summarized agency data, Dallas Police Department (TXDPD0000): 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
  4. Violent Crime Reduction Plan Update, Public Safety Committee, June 3, 2025 · Dallas Police Department (City of Dallas) · retrieved
    Supports: Violent crime rate, Crime trend
  5. Police Incidents (Dallas Police Public Data, RMS incidents from June 1, 2014) · City of Dallas OpenData · retrieved
    Supports: Violent crime rate
  6. Dallas sees lowest violent crime numbers since 2015 as chief credits new crime strategies · CBS Texas · retrieved
    Supports: Homicides, Crime trend
  7. US Climate Normals 1991-2020, station USW00013960 Dallas Love Field (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: January mean, July mean, Annual precipitation, Annual snowfall, Climate normals, Climate hazards, Character, January 47.8F, July and August 87.3F from the monthly series, and annual mean 68.0F, precipitation 38.32 in, snowfall 1.7 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
  8. US Climate Normals 1991-2020, station USW00003927 Dallas Fort Worth International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate normals
  9. Global Historical Climatology Network daily summaries, Dallas Love Field (USW00013960), 1939-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, Character, 73 days at or above 100F in 2011 and 40 in a row from 2 July to 10 August 2011, 54 in 2026 through 22 September, 112F on 26 and 27 June 1980 and 22 July 2018, 5.3 in of snow from 14 to 17 February 2021, 2F on 16 February 2021, 31 January 1949, 1F on 23 December 1989 and 0F on 23 January 1940, 13F on 25 January 2026
  10. Global Historical Climatology Network daily summaries, Dallas Fort Worth International Airport (USW00003927), 1953-2026 · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards, 113F on 26 and 27 June 1980, -2F on 16 February 2021, 2.4 in of snow and sleet on 24 and 25 January 2026
  11. Dallas/Fort Worth: Annual and Consecutive 100 Degree Days (last updated 22 September 2026) · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  12. Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved
    Supports: Sunshine hours, Climate normals
  13. Weather and Climate Billion-Dollar Disasters to affect the U.S. from 1980-2024 (events list) · NOAA National Centers for Environmental Information · retrieved
    Supports: Climate hazards
  14. April 11th 2016 Hail Storm · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  15. Cotality 2026 Report: Hail risk now rivals major hurricanes (2026 Severe Convective Storm Risk Report) · Cotality · retrieved
    Supports: Climate hazards
  16. North Texas Tornadoes, October 20, 2019 · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  17. 2019 North Dallas tornado (path length, structures destroyed, damage, casualties) · Wikipedia · retrieved
    Supports: Climate hazards
  18. December 26, 2015 Tornado Outbreak · National Weather Service, Fort Worth/Dallas · retrieved
    Supports: Climate hazards
  19. Dallas Levee System · City of Dallas, Trinity River Corridor Project · retrieved
    Supports: Climate hazards
  20. Trinity River at Dallas (DALT2), historic crests · NOAA National Water Prediction Service · retrieved
    Supports: Climate hazards
  21. Milestone Achievement for Dallas Floodway Project: Providing Flood Risk Management to Communities · US Army Corps of Engineers, Fort Worth District (DVIDS) · retrieved
    Supports: Climate hazards
  22. Wettest 24 hours in nearly a century for Dallas-Fort Worth · Yale Climate Connections · retrieved
    Supports: Climate hazards
  23. February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved
    Supports: Climate hazards
  24. The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved
    Supports: Climate hazards
  25. How the Texas power grid is holding up during the winter storm · CBS Texas · retrieved
    Supports: Climate hazards
  26. Energy Secretary Issues Emergency Order to Secure Texas Grid Amid Winter Storm Fern · US Department of Energy · retrieved
    Supports: Climate hazards
  27. Dallas Area Reservoirs (daily storage, percent full) · Texas Water Development Board, Water Data for Texas · retrieved
    Supports: Climate hazards
  28. Frequently Asked Questions (watering schedule) and City of Dallas Water Conservation Ordinance · Dallas Water Utilities, Save Dallas Water · retrieved
    Supports: Climate hazards
  29. ACS 2024 1-year tables B08301 and B19013 for Dallas city and the Dallas-Fort Worth-Arlington MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
  30. ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Dallas County, Dallas city and the Dallas-Fort Worth-Arlington MSA · Census Reporter API (US Census Bureau ACS) · retrieved
    Supports: Health care, Character
  31. Unemployment Rate in Dallas-Fort Worth-Arlington, TX (MSA), DALL148UR and DALL148URN · FRED, Federal Reserve Bank of St. Louis (BLS LAUS data) · retrieved
    Supports: Unemployment rate
  32. All Employees: Total Nonfarm in Dallas-Fort Worth-Arlington, TX (MSA), DALL148NA · FRED, Federal Reserve Bank of St. Louis (BLS CES data) · retrieved
    Supports: Labour market
  33. Dallas-Fort Worth Area Economic Summary · US Bureau of Labor Statistics · retrieved
    Supports: Unemployment rate, Main sectors, Labour market
  34. Dallas Regional Economic Development Guide 2026: Major Companies and Headquarters · Dallas Regional Chamber · retrieved
    Supports: Main sectors, Labour market
  35. City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  36. Transit Sales and Use Tax (Dallas MTA, effective January 1, 1984) · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax, Transit ridership
  37. Sales and Use Tax · Texas Comptroller of Public Accounts · retrieved
    Supports: Sales tax
  38. Texas Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes, Character
  39. 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  40. 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000
  41. Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved
    Supports: Tax notes
  42. Dallas approves $5.66 billion budget for 2026-27 fiscal year · Lake Highlands Advocate · retrieved
    Supports: Tax notes, Character
  43. City of Dallas Update on Proposition U, Police and Fire Funding Appropriation · City of Dallas · retrieved
    Supports: Tax notes, Character
  44. About DART (DART facts) · Dallas Area Rapid Transit · retrieved
    Supports: Transit system, Transit ridership, Character
  45. Silver Line Launches Oct. 25, Connecting Seven Cities and DFW Airport with Modern, Reliable Transit · Dallas Area Rapid Transit · retrieved
    Supports: Transit system, Transit ridership, Character
  46. Dallas Area Rapid Transit (citing the APTA Transit Ridership Reports, Q4 2025 and Q2 2026, through Template:American transit ridership) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  47. DART services in Richardson, Plano to remain unchanged as Highland Park withdraws · Community Impact · retrieved
    Supports: Transit ridership, Character
  48. DFW Total Passengers, December 2025 (calendar year 2025 vs 2024) · Dallas Fort Worth International Airport · retrieved
    Supports: Airport passengers
  49. World's Busiest Airports: Atlanta Holds, Asia Climbs (2025 passenger and movement rankings) · ACI World · retrieved
    Supports: Airport passengers
  50. Dallas Love Field (2025 passenger totals from the FAA, location, Southwest Airlines) · Wikipedia · retrieved
    Supports: Airport passengers, Climate normals
  51. Status of State Medicaid Expansion Decisions · KFF · retrieved
    Supports: Health care
  52. Parkland Memorial Hospital · UT Southwestern Medical Center · retrieved
    Supports: Health care
  53. About the Trauma Center · Parkland Health · retrieved
    Supports: Health care
  54. Baylor University Medical Center, part of Baylor Scott & White Health · Baylor Scott & White Health · retrieved
    Supports: Health care
  55. Children's Health and UT Southwestern break ground on new Dallas pediatric campus, announce $100 million donation from The Rees-Jones Foundation · UT Southwestern Medical Center · retrieved
    Supports: Health care
  56. UT Southwestern and Children's Health receive $25 million from the Harry W. Bass, Jr. Foundation for new pediatric campus · UT Southwestern Medical Center · retrieved
    Supports: Health care
  57. New Dallas Pediatric Campus Puts Children First · Southwestern Medical District · retrieved
    Supports: Health care
  58. On Dallas ISD's first day of school, enrollment's down, but letter grade may be up · KERA News · retrieved
    Supports: Education, Character
  59. Southern Methodist University (fall 2025 enrollment, University Park) · Wikipedia · retrieved
    Supports: Education
  60. University of Texas at Dallas (Richardson) · Wikipedia · retrieved
    Supports: Education
  61. Dallas College (seven campuses in Dallas County) · Wikipedia · retrieved
    Supports: Education
  62. 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
  63. 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
  64. Cape Coral, Florida (history, geography, climate, education, infrastructure, transportation) · Wikipedia · retrieved
    Supports: City population, Climate normals, Transit system, Education, Character
  65. 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
  66. 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
  67. 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
  68. 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
  69. 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
  70. 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
  71. 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)
  72. 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
  73. 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
  74. 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
  75. 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
  76. 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
  77. 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
  78. 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
  79. 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
  80. 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
  81. 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
  82. 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
  83. 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
  84. 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
  85. 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
  86. Florida Tax Rates & Rankings · Tax Foundation · retrieved
    Supports: Top marginal income tax, Income tax on $100,000, Tax notes
  87. 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)
  88. 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
  89. 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)
  90. 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)
  91. 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
  92. LeeTran (service area, hours, 2025 ridership) · Wikipedia · retrieved
    Supports: Transit system, Transit ridership
  93. Southwest Florida International Airport (owner, opening, location, carriers, annual passenger traffic 2023 to 2025) · Wikipedia · retrieved
    Supports: Airport passengers
  94. Southwest Florida International Airport reports record-breaking year-end traffic · WGCU · retrieved
    Supports: Airport passengers
  95. 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
  96. Lee Health Expands Cape Coral Hospital's Emergency Department · South Florida Hospital News · retrieved
    Supports: Health care
  97. School district addresses declining enrollment · Cape Coral Breeze · retrieved
    Supports: Education
  98. Florida Gulf Coast University · Wikipedia · retrieved
    Supports: Education
  99. NTREIS monthly MLS summary report, August 2026 · North Texas Real Estate Information System and the Texas Real Estate Research Center at Texas A&M University, via the MetroTex Association of REALTORS · retrieved
    Supports: A median single-family sale price of $469,900 in the City of Dallas in August 2026 on 640 sales, against $499,900 on 667 sales in August 2025, A median townhouse sale price of $543,000 on 30 sales, against $475,000 on 42, and a median condominium sale price of $310,000 on 121 sales, against $237,000 on 136, 2,725 active single-family listings and 4.2 months of inventory in the City of Dallas, A median single-family lease of $2,850 a month on 276 leases, City figures by property type only, with no all-types median
  100. Housing market reports · MetroTex Association of REALTORS · retrieved
    Supports: Monthly reports featuring data from the Texas A&M Real Estate Research Center, based on listings of properties physically located within the specified geographic areas
  101. Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved
    Supports: A typical home value of $305,765 for the city of Dallas (region 38128) in August 2026, $310,919 in August 2025, so a fall of 1.7% over the year
  102. Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved
    Supports: A typical single-family value of $319,987 in the city of Dallas in August 2026, against $324,674 a year earlier, down 1.4%, A typical condominium value of $208,501 in the same month, against $222,477, down 6.3%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
  103. Dallas, TX average rent and rent trends · RentCafe / Yardi Matrix · retrieved
    Supports: An average Dallas apartment rent of $1,592, down 0.92% from $1,607 a year earlier, updated 31 August 2026, Average rents of $1,245 studio, $1,416 one-bedroom, $1,853 two-bedroom and $2,221 three-bedroom
  104. Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved
    Supports: An observed rent index of $1,591 for the city of Dallas in August 2026, up 0.63% from $1,581 a year earlier
  105. 2025 ad valorem tax rates for Dallas County, revised 5 November 2025 · Dallas Central Appraisal District · retrieved
    Supports: 2025 rates per $100: Dallas County 0.215500, Parkland Hospital 0.212000, Dallas College 0.106575, Dallas 0.698800, Dallas ISD 0.993835, Optional homestead exemptions of 20% for Dallas County, Parkland Hospital, Dallas College and the City of Dallas, and 10% for Dallas ISD, A general homestead exemption of $140,000 for every school district, contingent on the November 2025 constitutional amendment, A calculated local optional homestead value of not less than $5,000, Separate rates and exemptions for Highland Park, University Park, Cockrell Hill and Highland Park ISD
  106. 2026 estimated ad valorem tax rates for Dallas County, revised 4 March 2026 · Dallas Central Appraisal District · retrieved
    Supports: The 2026 table was an estimate, repeating the 2025 rates for the five units, when these figures were retrieved
  107. 2025 and 2026 residence homestead average and median values · Dallas Central Appraisal District · retrieved
    Supports: A certified median residence homestead market value of $364,530 in the City of Dallas for 2025, on 177,599 homesteads, A certified median of $364,000 for 2026, on 172,862 homesteads, in the table dated 22 July 2026
  108. Annual report, 2025 appraisal year · Dallas Central Appraisal District · retrieved
    Supports: 230,276 protests received for the 2025 appraisal year, 180,733 of them residential, and 788,553 appraisal notices mailed, A protest process that begins around 15 April and concludes by 20 July each year
  109. Valuing property: the homestead cap and the circuit breaker limitation · Texas Comptroller of Public Accounts · retrieved
    Supports: A residence homestead's appraised value may not rise more than 10% a year, from the year after the owner first qualifies, A 20% annual limit on the appraised value of non-homestead property valued at $5 million or less, the circuit breaker, which expires on 31 December 2026
  110. Tax Code, Section 41.44: notice of protest · Texas Legislature · retrieved
    Supports: A protest must be filed by 15 May or the 30th day after the appraisal notice is delivered, whichever is later
  111. Midtown Improvement District · City of Dallas Office of Economic Development · retrieved
    Supports: The Midtown Improvement District, formerly the Vickery Meadow Public Improvement District, established in 1993 and renewed to 31 December 2032, An annual budget and assessment rate subject to a public hearing and Dallas City Council approval
  112. Public Improvement Districts (PIDs) layer · City of Dallas · retrieved
    Supports: Public improvement districts mapped by the City including Dallas DID, Uptown, Deep Ellum, Klyde Warren/DAD, Knox Street, Oak Lawn-Hi Line, Prestonwood, Lake Highlands, North Lake Highlands, Midtown, University Crossing, South Side, Far East Dallas and RedBird
  113. Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved
    Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
  114. Texas homeowners insurance market overview · Texas Department of Insurance · retrieved
    Supports: A statewide average homeowners premium of $3,489 a year for 2025, from the Texas Statistical Plan for Residential Risks, Hail as the largest cause of paid homeowners losses, $4.93 billion in 2024 against $2.21 billion for wind
  115. Insurance and your roof: what to know when buying a policy or filing a claim · Texas Department of Insurance · retrieved
    Supports: Replacement cost coverage pays for a new roof at current prices, and actual cash value coverage pays replacement cost minus depreciation, As roofs age, some companies will switch to actual cash value, A deductible for wind and hail damage can differ from the deductible for other damage
  116. Texas homeowners insurance · NerdWallet · retrieved
    Supports: An average Dallas premium of $6,915 a year and a Texas average of $5,910, for $500,000 of dwelling cover, updated 20 February 2026
  117. How much is homeowners insurance in Dallas, TX? · Insure.com · retrieved
    Supports: An average Dallas premium of $4,212 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026
  118. Renters insurance in Texas · NerdWallet · retrieved
    Supports: An average Dallas renters premium of $167 a year for $30,000 of personal property, updated 23 September 2026
  119. Monthly homeowners' or condominium association fee, table B25143, 2024 American Community Survey 1-year estimates, Dallas city · United States Census Bureau · retrieved
    Supports: A median monthly association fee of $280 among Dallas owner-occupied units that pay one, 50,335 of 226,859 owner-occupied units, or 22.2%, paying such a fee, from table B25142
  120. City of Dallas utility fees effective 1 October 2025 · City of Dallas · retrieved
    Supports: A residential sanitation fee of $40.09 a month, $43.40 with tax, A residential stormwater fee of $5.39 to $21.01 a month by impervious area, An environmental cleanup fee of $3.00 a month on every City of Dallas utility account
  121. Dallas Homebuyer Assistance Program (DHAP) · City of Dallas Housing and Homelessness Solutions · retrieved
    Supports: Assistance of up to $60,000 in High Opportunity Areas and $50,000 elsewhere in Dallas, for households at or below 80% of area median income, A maximum sales price of $342,000 for existing and newly built homes, for contracts from 1 September 2024, A second lien as an interest-free forgivable deferred loan with no monthly payments, prorated annually, with partial repayment due on a sale, lease or transfer, Administered by Business and Community Lenders of Texas from 1 May 2026
  122. 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved
    Supports: A land area of 339.685 square miles and a water area of 43.966 square miles for Dallas city
  123. 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
  124. 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
  125. 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
  126. 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)
  127. 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
  128. 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
  129. 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
  130. 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
  131. 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
  132. 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
  133. 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
  134. 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
  135. 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
  136. 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
  137. 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
  138. 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
  139. 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
  140. Renters insurance in Florida · NerdWallet · retrieved
    Supports: An average Cape Coral renters premium of $140 a year, $12 a month
  141. 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
  142. 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
  143. FloodSmart · Federal Emergency Management Agency, National Flood Insurance Program · retrieved
    Supports: Most homeowners insurance not covering flood damage
  144. 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
  145. 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