San Antonio vs Cape Coral: which should you move to?
San Antonio 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.
San Antonio
Cape Coral
Two cities that have added people faster than most, San Antonio by number and Cape Coral by rate, priced in US dollars in states with no income tax, so the figures net directly, though a week apart: San Antonio at Freddie Mac's 7.03% for 24 September 2026 and Cape Coral at 7.28% for 1 October. Both prices are regional medians, because no city median is published for either, but they measure different homes: the San Antonio Board of REALTORS' $280,999 for Bexar County counts every home type, and the Royal Palm Coast Realtor Association's $389,950 for its Cape Coral region counts single-family houses only. Mortgage, property tax and insurance come to about $2,116 a month in San Antonio and $3,056 in Cape Coral, or $3,004 at the same rate, roughly 38% of San Antonio's median household income of $66,176 and 43% of Cape Coral's $85,584. Zillow's index keeps the order, $247,453 for the City of San Antonio, 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 1.56% in San Antonio, though the City of Cape Coral's fire, stormwater and solid waste assessments, about $1,080 a year, bring its bill to about 1.65%, and insurance is budgeted at $475 a month against $250. On FBI counts two years apart, Cape Coral's 2023 against San Antonio's 2025, Cape Coral is far lower, 122 violent offenses per 100,000 against 532 and two homicides against 106. Choose San Antonio to own or rent for much less, for a job market about four times the size, the bases and the medical center, and buses that run. Choose Cape Coral for low crime, a far lower uninsured rate, higher household income, an 18.2 C January and no 100F days, and price flood cover and the lot's utility assessments first.
| Measure | San Antonio | Cape Coral | Advantage |
|---|---|---|---|
| City population | 1,548,422 (2025) | 236,264 (2025) | Not directly comparable |
| Metro population | 2,813,140 (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. | 8.0% (2020-2025) | 21.8% (2020-2025) | Not directly comparable |
What a home costs in each
The figures the two cities' rent-versus-buy and mortgage calculators run on, read from the same tables.
| Measure | San Antonio | Cape Coral | Advantage |
|---|---|---|---|
| Benchmark home price MLS® HPI or equivalent benchmark. Lower is treated as the advantage, which is the buyer's view rather than the owner's. | $280,999 (August 2026) | $389,950 (August 2026) | San Antonio |
| Detached house benchmark Cape Coral publishes a single house index rather than a composite, so the two rows repeat. | $249,206 | $389,950 | San Antonio |
| Apartment or condominium benchmark | $167,371 | $191,729 | San Antonio |
| Two-bedroom rent | $1,179/mo (median, September 2026) | $1,186/mo (median, September 2026) | San Antonio |
| One-bedroom rent | $957/mo | $1,032/mo | San Antonio |
| 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. | 21.4% of a year's income | 16.6% of a year's income | Cape Coral |
| Mortgage payment on the benchmark, 20% down 30-year amortization on American monthly compounding, the convention in both. | $1,500/mo at 7.03% | $2,134/mo at 7.28% | San Antonio |
| Price to household income Benchmark price divided by the median household income below. A ratio is comparable across currencies; the dollars are not. | 4.2× | 4.6× | San Antonio |
| 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. | $4,389/yr (1.562%, 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) | San Antonio |
| Rent control A cap protects a sitting tenant and does nothing for the next lease, so neither column is simply better. | Forbidden by state law | Forbidden by state law | Not directly comparable |
San Antonio: About 1.56% of value for a homesteaded owner, worked out on the $280,999 Bexar County median sale price. A house in the City of San Antonio and Northside ISD, the school district more of the city's residents live in than any other, is taxed by seven units for 2025, which add to 2.290174 per $100 before any exemption. Each takes its own homestead exemption off the appraised value first: Northside ISD the state's $140,000 and nothing more, the county's Road and Flood Control Fund the state's $3,000 for a flood control tax and a further 20%, the Alamo Community College District 1% with the state's $5,000 floor, the San Antonio River Authority 4%, and Bexar County, University Health and the City 20% each. So Bexar County levies 0.276331 per $100 on $224,799 after an exemption of $56,200, $621; Bexar County Road and Flood Control Fund levies 0.023668 per $100 on $221,799 after an exemption of $59,200, $52; University Health levies 0.276235 per $100 on $224,799 after an exemption of $56,200, $621; City of San Antonio levies 0.54159 per $100 on $224,799 after an exemption of $56,200, $1,217; Northside ISD levies 1.0049 per $100 on $140,999 after an exemption of $140,000, $1,417; Alamo Community College District levies 0.14915 per $100 on $275,999 after an exemption of $5,000, $412; San Antonio River Authority levies 0.0183 per $100 on $269,759 after an exemption of $11,240, $49. The seven come to $4,390 a year, 1.56% of the price. Without a homestead, as a landlord or a buyer who never files, the same house owes $6,435. In San Antonio ISD, the inner-city district, the school line is 1.1552 per $100 after an exemption of $145,000, and the same house comes to $4,544, 1.62%. The median is the county's, and a typical home inside the city is cheaper: on $247,453, Zillow's August 2026 value for a typical City of San Antonio home, the Northside ISD stack comes to $3,697, 1.49%, 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. When these figures were retrieved the Bexar County Tax Assessor-Collector's official table ran to 2025, with the units' 2026 rate calculation worksheets posted but no 2026 official rates, so the calculators stay on 2025 until all seven 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.
How safe each city is, by the numbers it publishes
Police-reported figures for the most recent year each force or statistics agency has released. Rates describe a whole city or metro area, and the spread between neighbourhoods inside one city is usually wider than the gap between the two cities.
| Measure | San Antonio | Cape Coral | Advantage |
|---|---|---|---|
| Crime Severity Index Statistics Canada's weighted index for the metropolitan area, where 100 is Canada in 2006. American cities have no equivalent series. | Not published | Not published | Not directly comparable |
| Violent crime per 100,000 | 532 (2025) | 122 (2023) | Cape Coral |
| Property crime per 100,000 | 3,920 (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. | 106 (2025) | 2 (2023) | Not directly comparable |
On the FBI's definitions, violent offenses in San Antonio went from 11,219 in 2021 to a peak of 13,105 in 2022, then 10,440 in 2023, 9,173 in 2024 and 8,241 in 2025, a 10% drop in the last year and 37% below the peak, and property offenses from 61,559 to 74,787 and a peak of 80,789 in 2023, then 70,657 and 60,693, 25% below the peak. Motor vehicle theft drove most of that swing: 8,912 in 2021, 19,090 in 2023 and 9,527 in 2025, half the peak. In 2025 the CDE shows aggravated assaults down 9% (6,037 to 5,506), robberies down 17% (1,656 to 1,380), rapes down 8% (1,354 to 1,249) and murders down 16% (126 to 106). SAPD's own January-to-November comparison points the same way: all reported crime down 13% (143,529 to 124,314), crimes against property down 18.1%, motor vehicle theft down 26.5% and robberies down 16.4%, while crimes against society rose 15.4%, which the chief put down to more drug arrests. A University of Texas at San Antonio evaluation of the city's Violent Crime Reduction Plan found violent street crime fell 22% in treated hot spots in 2024 against 9.6% citywide (San Antonio Report). The 2025 CDE counts were read on 30 September 2026 from a feed last refreshed on 15 September and can still be revised.
What the rates cover: Computed: 8,241 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the San Antonio Police Department (ORI TXSPD0000) in calendar 2025, divided by the 1,548,422 Vintage 2025 city population. On the CDE's own agency population of 1,549,306 the rate is also 532. No SAPD total on this definition was found in anything fetched. Its year-end report to the City Council's Public Safety Committee in December 2025 counted NIBRS crimes against persons, which include simple assaults, and put them at 28,361 for January through November 2025, down 9% from 31,179 in the same months of 2024 (KSAT).
Homicides: 106 murders and nonnegligent manslaughters in 2025 in the FBI CDE, against 126 in 2024, about 6.8 per 100,000 on the city population. SAPD's own count for January through November 2025 was 99 against 119 in the same months of 2024, a drop of nearly 17% (KSAT); a full-year SAPD figure was not found in anything fetched. The high point in the CDE series since 2021 is 233, in 2022, a year whose count includes the 53 migrants found dead in a tractor-trailer on the Southwest Side (San Antonio Report).
Down, on every count that exists, though no FBI or state count covers 2025. On the FBI CDE's figures violent offenses fell from 403 in 2022 to 277 in 2023, about 185 and 122 per 100,000 on each year's Vintage 2025 population, and January to October 2024 brought 236, which at that pace would be about 2023's level. FDLE's incident-based file, which counts somewhat differently (its forcible sex offenses include fondling, and its assault totals run higher), shows the same direction: 420 violent offenses in 2022, 357 in 2023 and 243 in 2024, about 104 per 100,000 in the last year, and property offenses from 2,555 in 2023 to 1,980 in 2024. For 2025 there is only the department's own word: it reported overall crime down 28% in the first half of the year, 1,487 cases against 2,076, with thefts down from 850 to 612 and no homicides (Cape Coral Police Department), and its 2025 annual report claims a 28% reduction for the year and calls the city the second-safest in Florida of those over 150,000, without publishing the counts behind either. The CDE counts were read on 2 October 2026 from a feed last refreshed on 15 September, and why the department's data stop at October 2024 was not found.
What the rates cover: Computed: 277 violent offenses (murder, rape, robbery and aggravated assault) in the FBI Crime Data Explorer's summarized data for the Cape Coral Police Department (ORI FL0360200) in calendar 2023, divided by the 227,458 Vintage 2025 estimate for July 2023; on the CDE's own agency population of 228,672 the rate is 121. 2023 is used, not the 2025 the other Florida profiles use, because it is the last calendar year the FBI carries in full for this department: the CDE has every month of 2022 and 2023, January to October 2024, and nothing from November 2024 on, and the Florida Department of Law Enforcement's incident-based (FIBRS) offense file, the state system that feeds the FBI, has the department for every month of 2022 to 2024 and not at all for 2025 or 2026. No FBI rate exists for 2025, as for Orlando after 2022. On 2023's figure Cape Coral has the lowest violent crime rate of the Florida cities this site compares, a little below Port St. Lucie's 130 for 2025, a third of Miami's 359 and a quarter of St. Petersburg's 502.
Homicides: 2 murders and nonnegligent manslaughters in 2023 in the FBI CDE, about 0.9 per 100,000 on the city population. The CDE series is 4 in 2022, 2 in 2023 and 5 in January to October 2024; FDLE's file has 4, 4 and 5 for the three full years. The department reported no homicides in the first half of 2025, against three in the first half of 2024 (Cape Coral Police Department). Port St. Lucie had 4 in 2025, St. Petersburg 9 and Tampa 17.
Winters, summers and what the weather can do to a house
| Measure | San Antonio | Cape Coral | Advantage |
|---|---|---|---|
| January mean | 11.2 °C | 18.2 °C | Not directly comparable |
| July mean | 29.3 °C | 28.4 °C | Not directly comparable |
| Precipitation a year | 822 mm | 1,458 mm | Not directly comparable |
| Snowfall a year | 1 cm | 0 cm | Not directly comparable |
| Sunshine a year | 2,629 hours | Not published | Not directly comparable |
NOAA NCEI 1991-2020 normals for San Antonio International Airport (station USW00012921), inside the city about 8 miles north of downtown and the station where the National Weather Service keeps San Antonio's official record: January mean 52.2F, July mean 84.8F, annual mean 69.6F, 32.38 in of precipitation, 0.2 in of snow. August is the warmest month at 85.5F, with a mean high of 96.0F; July's mean high is 94.9F and January's mean low is 41.0F. May (4.40 in) and September (3.88 in) are the wettest months and February (1.74 in) the driest; the little snow the normals record falls in February and December. The normals count 122.4 days a year at 90F or above, 17.7 at 100F or above and 14.0 nights at or below freezing. Converted here to 11.2 C, 29.3 C, 822 mm and 0.5 cm. That January mean is the same as Austin's at Camp Mabry and the precipitation is the least of the Texas cities this site compares, 99 mm less than Austin's and 495 mm less than Houston's. Sunshine hours are the older 1961-1990 NCDC means (2,629 hours, 60% of possible, and 105 clear days), since the 1991-2020 normals do not include sunshine.
Hazards: Flash flooding is the defining hazard. San Antonio sits on the Balcones Escarpment in what a National Weather Service meteorologist calls Flash Flood Alley, where shallow soil over limestone sends heavy rain straight into the creeks. On 17 and 18 October 1998 a nearly stationary storm complex, fed by moisture from two Eastern Pacific hurricanes, dropped 11.26 in (286 mm) on San Antonio International on the 17th, still the station's wettest calendar day, and 13.35 in (339 mm) in 24 hours, and October 1998's 18.07 in (459 mm) remains the wettest month on record there. Across South Texas that flood killed 31 people, and NOAA puts the damage at $942 million ($1.81 billion in 2024 dollars); the San Antonio Report counts 11 of the dead in San Antonio. On 25 May 2013, over Memorial Day weekend, 9.87 in (251 mm) fell at the airport, the station's second-wettest day, and a gauge on Olmos Creek caught 15.31 in in five hours and about 17 in by the end of the day; US 281 stayed under water for days, crews made more than 235 rescues and at least two people died. The deadliest single day came on 12 June 2025, when more than 7 in fell in three hours over the Beitel Creek watershed on the Northeast Side and the airport recorded a record 3.9 in (99 mm) in one hour and 6.11 in (155 mm) for the day: the creek rose by as much as a foot every ten minutes, and 13 people died, 11 of them along Beitel Creek, where at least 15 vehicles were swept off the Loop 410 frontage road. Two more were found dead after a storm flooded Salado Creek over Labor Day weekend, and over the July Fourth weekend between the two 117 people died in nearby Kerr County and 135 across the state. Heat is the constant. The normals count 122.4 days a year at or above 90F, about the same as Austin's 122.8 and more than Houston's 111.3 or Dallas's 107.5, and 17.7 at or above 100F (37.8 C), between Houston's 7.0 and Dallas's 22.4. The airport's record is 75 days of 100F in 2023, including 23 in a row from 30 July to 21 August, well ahead of 59 in 2009 and 58 in 2022, and its highest reading is 111F (43.9 C), on 5 September 2000; 2026 had 24 such days through 22 September. Cold is rare and badly handled. Winter Storm Uri left 6.2 in (15.7 cm) of snow at the airport from 14 to 18 February 2021 and a low of 9F (-12.8 C) on the 15th, the coldest there since 6F (-14.4 C) on 23 December 1989; the station's record low is 0F (-17.8 C), on 31 January 1949, and its biggest snowfall 13.2 in (33.5 cm), on 12 January 1985. 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, 16 of them in Bexar County, and CPS Energy, the city's municipal electric and gas utility, reported $675 million to $850 million of losses on natural gas purchases and $175 million to $250 million on purchased power.
NOAA NCEI 1991-2020 normals for Fort Myers Page Field (station USW00012835), the general aviation airport in Fort Myers about 9 miles east-southeast of the city's center across the Caloosahatchee River. No station inside Cape Coral has 1991-2020 normals, and of the two Fort Myers airports with full temperature and precipitation normals Page Field is the nearer; Southwest Florida International (USW00012894) is about 17 miles southeast and farther inland. January mean 64.7F, July mean 83.2F, annual mean 75.4F, 57.41 in of precipitation. Neither airport's normals carry snowfall, so the 0.0 in of snow stored here is the normal at the nearest cooperative station that has one, Punta Gorda 4 ESE (USC00087397), about 19 miles north. August is the warmest month at 83.4F, with a mean high of 91.7F; January's mean low is 54.3F. August (10.43 in), June (9.66 in) and July (9.38 in) are the wettest months, and June through September bring 38.47 in, 67% of the year; February and November (1.78 in each) are the driest. The normals count 120.3 days a year at 90F or above, none at 100F and 0.1 nights at or below freezing. Converted here to 18.2 C, 28.4 C, 1,458 mm and 0 cm. Southwest Florida International agrees closely: 64.6F in January, 82.7F in July, 53.39 in a year and 119.1 days at 90F. Cape Coral's January is the warmest of the Florida cities this site compares except Miami's (68.6F), two and a half degrees above St. Petersburg's 62.2F and Port St. Lucie's 62.3F, and its rain is second only to Miami's. Sunshine is not stored: Current Results' US city table, the source and 1961-1990 basis of the other US profiles' sunshine hours, lists no Fort Myers or Cape Coral station, and the 1991-2020 normals do not include sunshine; the 355 days of sunshine Wikipedia repeats is a promotional figure, not a measured total.
Hazards: Storm surge and wind from hurricanes are the defining hazards, and Hurricane Ian in 2022 is the measure of them. Ian came ashore on Cayo Costa, the barrier island off Pine Island west of the city, on 28 September 2022 with sustained winds of 130 kt (150 mph), a high category 4, and again near Punta Gorda an hour and a half later (National Hurricane Center). Its surge put 6 to 9 ft of water above ground in Pine Island, Cape Coral and the other communities at the mouth of the Caloosahatchee, and the US Geological Survey's sensors in Matlacha and Cape Coral were lost or destroyed before they could record a peak; the NOS tide gauge in downtown Fort Myers, across the river, measured 7.26 ft above mean higher high water. Storm surge killed 41 people, 36 of them in Lee County, and in Lee County at least 52,514 structures were affected, 5,369 destroyed and 14,245 with major damage; Ian did $112.9 billion of damage in the US, $109.5 billion of it in Florida, the costliest hurricane in the state's history (NHC). Page Field recorded a gust of 67 mph on 28 September before it stopped reporting; its highest gust since 2010 is 84 mph, on 10 September 2017. Heat is long rather than extreme: 120.3 days a year at 90F or above on the normals, almost twice St. Petersburg's 70.9 and Port St. Lucie's 66.8, and none at 100F (37.8 C). Page Field recorded 168 such days in 2023, the most in its record since 2010, and 134 in 2026 through 28 September. Frost is all but unknown: one night at or below 32F (0 C) since 2010, 31F on 11 January 2010, and a lowest reading of 34F in 2026 on 1 February.
What people earn and what the government takes
| Measure | San Antonio | Cape Coral | Advantage |
|---|---|---|---|
| Median household income | $66,176 USD (2024) | $85,584 USD (2024) | Cape Coral |
| Unemployment rate | 4.7% (July 2026) | 5.2% (July 2026) | San Antonio |
| Sales tax | 8.25% | 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 USD | Even |
BLS counted 1,191,700 nonfarm jobs in the San Antonio-New Braunfels MSA in August 2026 (not seasonally adjusted, preliminary), up 6,100 or 0.5% on the year. Professional and business services grew fastest (+4.8%, to 162,400), then construction (+2.9%) and trade, transportation and utilities (+2.8%), while information (-7.7%), government (-3.1%, to 181,800) and private education and health services (-2.0%, to 180,300) shrank; federal government employment fell 6.7%, from 38,700 to 36,100. Trade, transportation and utilities is the largest sector at 216,300 jobs. The seasonally adjusted series (SMS48417000000000001) was 1,195,900 in August 2026, 0.8% above August 2025. BLS's federal line is far smaller than the base itself: the Texas Comptroller counts 74,713 direct employees at Joint Base San Antonio in 2025, 33,256 of them active-duty military, and estimates the base supported 223,349 Texas jobs and $33.9 billion of the state's GDP ($53.5 billion of output). Greater SATX, the regional economic development group, calls it the largest joint base in the US military. UT San Antonio, formed when UTSA and UT Health San Antonio merged in September 2025, calls health care and biosciences, a $44.1 billion sector, the city's largest industry. H-E-B, USAA, Valero Energy and iHeartMedia are all headquartered in the city.
Main sectors: Military and federal installations: Joint Base San Antonio (Fort Sam Houston with Brooke Army Medical Center, Lackland Air Force Base with the Air Force's basic military training and the 16th Air Force, and Randolph Air Force Base with the Air Education and Training Command), Health care and biosciences (the South Texas Medical Center, University Health, UT Health San Antonio and UT San Antonio, Methodist Hospital, the Audie L. Murphy Memorial Veterans Hospital), Tourism and hospitality (Visit San Antonio counts $23.4 billion of economic impact and more than 150,000 jobs in 2024), Trade, transportation and utilities, the metro's largest sector by payroll jobs (H-E-B, headquartered in the city; CPS Energy; San Antonio International Airport's cargo), Financial services, energy and media headquarters (USAA, Valero Energy, iHeartMedia).
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. On 17 September 2026 the City Council voted 7 to 4, with Mayor Gina Ortiz Jones in the minority, to raise the city's own rate for the first time since 1992, as part of a plan to close a $158 million deficit over two years that also includes cuts, fee increases and a second rate increase planned for fiscal 2028. The fiscal 2027 rate is 56.288 cents per $100 of taxable value: 35.138 cents for maintenance and operations, two cents more than before, and 21.150 cents for debt service. The two outlets that gave a figure for the average homestead disagree: KSAT put it at about $49 more a year on a taxable value of $231,356, and the San Antonio Report at $35.43 on a $234,000 home. Senior and disabled homeowners with a tax freeze, about 47% of the city's homesteads, are unaffected (KSAT). The county, school district, University Health, San Antonio River Authority, Alamo Colleges and other levies on the same bill belong to the housing layer.
BLS counted 311,300 nonfarm jobs in the Cape Coral-Fort Myers MSA in August 2026 (not seasonally adjusted, preliminary), up 1,500 or 0.5% on the year. Private education and health services (+1,500, or 2.8%, to 55,400) and leisure and hospitality (+1,500, or 3.8%, to 41,200) added the most, then professional and business services (+1,100, or 2.5%, to 45,900), while government lost 2,400 (-7.8%, to 28,500), all of it in local government (down 10.6% to 20,300), and mining, logging and construction 300 (to 40,900). The city's own employment picture is a commuter town's: the ten principal employers in its 2025 financial report, led by the school district (2,563), Lee Health (2,015), the City (1,969) and Publix (1,370), employ 10,442, about 9.5% of the people working in the city on the City's count, and the list is almost unchanged from 2016's except that a regional VA clinic and Lowe's have left it and the water park and the Westin have joined. Most residents work elsewhere: 54% of the city's workers (58,022 of 108,333) worked outside the city in 2024, though only 9.8% (10,604) outside Lee County, against 40% for Port St. Lucie. 16.3% worked from home, and the mean commute for the rest was 32 minutes, seven more than St. Petersburg's, with 11% spending an hour or more (ACS 2024 1-year, B08007, B08008, B08013, B08101 and B08303).
Main sectors: Construction and real estate: mining, logging and construction held 40,900 of the metro's 311,300 nonfarm jobs in August 2026, 13%, about twice the share in the Tampa-St. Petersburg metro, in a city still building out lots platted in the 1950s and 1960s and rebuilding after Ian; Home Depot (559) is among the city's ten largest employers, Health care: Lee Health, the county's hospital system and Cape Coral Hospital's operator, is the city's second-largest employer (2,015 staff in the city), in a metro sector (private education and health services, 55,400 jobs) that added 1,500 jobs over the year, Retail: Publix (1,370 staff in the city), Walmart and Sam's Club (700) and Home Depot, in a metro with 42,500 retail jobs, Public schools and government: the Lee County School District (2,563 staff in the city, the largest employer), the City of Cape Coral (1,969) and the City's own charter school system (371), while metro local government lost 2,400 jobs over the year, Leisure and tourism: Sun Splash Family Water Park (300) and the Westin resort (200) among the city's ten largest employers, boating on the canals, and the beaches of Sanibel and Fort Myers Beach nearby (leisure and hospitality, 41,200 metro jobs, up 3.8% on the year).
Property tax is the local levy that matters. Tax Foundation puts Florida's effective property tax rate on owner-occupied homes at 0.78%, and a homestead exemption takes as much as $50,000 off a permanent residence's taxable value, with the Save Our Homes limit on how fast its assessment can rise (Florida Department of Revenue). A house in the City of Cape Coral (Lee County taxing district 057) paid 15.3806 mills for 2025 on the Lee County Property Appraiser's millage book, of which the City's own rates are 5.1471 for operations and 0.1608 for its voted parks bond. The total is low partly because there is no fire district line: the City pays for fire service with a per-parcel assessment that, with stormwater and solid waste, comes on the same bill and is not reduced by any exemption. On 22 July 2026 the City Council voted 7 to 1 to cap the fiscal 2027 operating rate at 5.1988 mills, the rolled-back rate, on a taxable value of $33.1 billion, with final adoption set for 24 September (Gulfshore Business). The Royal Palm Coast Realtor Association's single-family median for its Cape Coral region was $389,950 in August 2026, up 6.1% from $367,500 a year earlier, while Zillow's typical home value for the city was $335,825, down 3.9%, and its observed rent $1,949; the bills, assessments, insurance and flood exposure that follow from them belong to the housing layer.
Whether you need a car
| Measure | San Antonio | Cape Coral | Advantage |
|---|---|---|---|
| System | VIA buses on 95 routes (three Primo rapid lines, 21 frequent and 70 standard) with 511 buses and 5,984 stops, VIA Link on-demand rideshare zones and paratransit (138 vehicles), across San Antonio, 13 smaller cities and unincorporated Bexar County; there is no rail, and the Green Line, the first of two Advanced Rapid Transit bus lines, is under construction | LeeTran, the Lee County Transit Department's bus system, serving Cape Coral, Fort Myers, Bonita Springs, Fort Myers Beach and much of unincorporated Lee County, Monday to Saturday from about 5 a.m. to 9:45 p.m. with reduced Sunday service and trolleys (Wikipedia). Wikipedia's Cape Coral article counts 18 fixed routes, six of them within Cape Coral. There is no passenger rail and no bus rapid transit, and the city is on a peninsula: it reaches Fort Myers and the rest of the county by two bridges across the Caloosahatchee, the Cape Coral Bridge, opened in 1964, and the Midpoint Memorial Bridge, and by road through North Fort Myers. Lee County and the City plan to replace the Cape Coral Bridge's 1964 westbound span with a $185 million six-lane project that also removes the toll booth on the Fort Myers side (Wikipedia). | Not directly comparable |
| Commute by public transit | 2.4% (2024) | 0.2% (2024) | San Antonio |
| Walk or cycle to work | 2.5% (2024) | 1.0% (2024) | San Antonio |
| Airport | San Antonio International Airport (SAT), about 8 miles north of downtown and with no airline hub, handled 10,740,694 passengers in 2025, 3.2% fewer than the record 11,094,278 of 2024, and a record 274,847,470 pounds of air cargo, up 15.7%, per the airport's year-end statistics report, which puts the passenger decline down to economic uncertainty and the federal government shutdown. The airport is building Terminal C, which it says will add more than 850,000 square feet and up to 18 domestic and international gates by mid-2028. | 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 |
VIA carried 30,665,700 unlinked trips in 2025 and about 105,800 a weekday in the second quarter of 2026 (APTA ridership reports, as cited by Wikipedia; APTA's PDFs refused the fetcher), against 78.0 million for Houston's METRO and 52.8 million for DART. Bexar County voters created VIA in 1977 with a half-cent sales tax, and a city-only Advanced Transportation District approved in 2004 adds more. The VIA Rapid Green Line will run along San Pedro Avenue from San Antonio International Airport through downtown to Brooks Transit Center, with dedicated bus lanes and new signal-protected crossings. It is a $481 million project, $268 million of it a federal grant the Federal Transit Administration committed in December 2024; construction began in the summer of 2025, work is active along San Pedro, and the FTA's revenue service date is April 2028. The east-west Silver Line, from the Frost Bank Center area to General McMullen Drive, is in design and projected for late 2030.
LeeTran carried 1,969,906 unlinked trips in 2025 on the National Transit Database's monthly ridership file (Federal Transit Administration), 1,758,231 of them on its buses and the rest on demand-response service. That is less than half its peak of 4,222,649 in 2013 and below the 3,156,405 of 2019; ridership fell to about 1.9 to 2.0 million a year from 2020 and has stayed there, and January to August 2026 ran 2.3% above the same months of 2025. Wikipedia's figure for 2025, 1,831,800, counts a narrower set of services. For comparison, Port St. Lucie's Area Regional Transit carried 825,588 trips in 2025 and St. Petersburg's PSTA 10.4 million (their profiles, from the same file).
Health care, schools and what each city is like
Health care
Care is paid for through 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 San Antonio's rate was 18.0% (268,665 of 1,496,335), Bexar County's 15.8% and the metro's 14.5%. The South Texas Medical Center on the Northwest Side covers more than 900 acres around the medical school that opened there in 1968 and holds the Audie L. Murphy Memorial Veterans Medical Center and a dozen other hospitals; a UTSA study cited by the San Antonio Report in 2022 put its annual economic effect on the region at $24.5 billion. University Health, the Bexar County Hospital District, runs University Hospital there, a 716-bed teaching hospital and a Level I trauma center for adults and children, and the 300-bed Women's & Children's Hospital that opened on the same campus in 2023; it plans to open two community hospitals elsewhere in the county in 2027. Brooke Army Medical Center at Fort Sam Houston has about 8,500 staff. UT Health San Antonio, the clinical arm of UT San Antonio, counts more than 2.5 million patient visits a year. This file did not verify a wait time figure for primary or specialist care.
Education
No single school district covers the city. Northside ISD, the largest in the San Antonio area with about 98,000 students, faced a $35 million deficit in March 2026, down from nearly $108 million, and its superintendent said closures were possible but not expected for 2026-27 (KSAT). North East ISD lost about 2,000 students in 2025-26, now serves about 55,000, closed three campuses the year before and will accept students from anywhere in the region from 2026-27 (San Antonio Report). San Antonio ISD has closed 25 schools in the last decade and in March 2026 voted to close Rhodes Middle School and hand three other campuses to a charter operator, Third Future Schools, citing falling enrollment and state accountability ratings. Districts say they cannot yet tell how many students the state's new education savings accounts, which help pay private school tuition from 2026-27, will draw away. UT San Antonio, formed on 2 September 2025 when UTSA merged with UT Health San Antonio, has about 40,000 students and 17,000 employees and calls itself the third-largest public research university in Texas by research spending, and the Alamo Colleges District runs five community colleges.
Living there
San Antonio is the second city of Texas and the seventh-largest in the country, and unlike Dallas it is still growing inside its own limits: it added 14,359 residents in 2024-25, the third-largest gain of any US city, and 8.0% since 2020. The military has shaped it for three centuries, and Joint Base San Antonio, with 74,713 direct employees, sits beside the South Texas Medical Center and a tourism trade Visit San Antonio values at $23.4 billion as the pillars of the economy. Household income is lower than in Dallas or Austin, and 18.0% of residents have no health insurance. VIA runs buses only, 2.4% of workers take them and 68.2% drive alone, and the Green Line along San Pedro Avenue, the city's first rapid transit line, is due in April 2028. Summers are long and dry rather than humid, with 122 days a year at 90F or above and 75 at 100F in 2023, and water is the killer: the creeks rise within minutes, and a single night of rain on 12 June 2025 drowned 13 people. The open questions are fiscal and civic: the council raised the city's property tax rate for the first time since 1992 on a 7 to 4 vote the mayor opposed, with a second increase planned, and the big school districts are shrinking, closing campuses and competing for each other's students as the state's education savings accounts begin.
Health care
Care is paid for through employer or marketplace insurance, Medicare and Medicaid, and Florida is one of the ten states that have not expanded Medicaid under the Affordable Care Act (KFF). Florida's uninsured rate was 10.9% in 2024, against 8.2% nationally, on the ACS 2024 1-year estimates; the City of Cape Coral's was 9.4% (21,762 of 232,206), below Lee County's 13.2% and close to Port St. Lucie's 9.9%. Hospital care in the county is Lee Health's: the system, which runs four acute care hospitals and two specialty hospitals, was a public special district until Lee County approved a mission agreement on 28 October 2024 and it became a private nonprofit, Lee Health System, Inc., on 1 November 2024, bound by that agreement to go on providing safety-net care (South Florida Hospital News). Its hospital in the city is Cape Coral Hospital, whose emergency department grew to 56 treatment spaces in January 2026, and Lee Health opened a walk-in care center at Bimini Square in south Cape Coral in late 2025 (South Florida Hospital News). Lee Health is the city's second-largest employer, with 2,015 staff in the city (City of Cape Coral). This file did not verify a bed count for Cape Coral Hospital or a wait time figure for primary or specialist care.
Education
The Lee County School District, the countywide district, counted 87,107 students in its own schools and 13,329 in charter schools in 2025-26, and lost 1,946 students from the year before, mainly to home education, private schools, other Florida districts and moves out of state or country; the zone that takes in Cape Coral was at 94% of capacity (Cape Coral Breeze). Its four high schools in the city are Cape Coral (late 1970s), Mariner (1987), Ida S. Baker (2005) and Island Coast (2008). The City runs its own municipal charter school system, the Oasis schools (Cape Coral Charter Schools on the City's employer list, 371 staff), with two elementary schools, a middle school and a high school open only to children who live in the city and charge no tuition (Wikipedia; City of Cape Coral). Higher education is across the river: Florida Gulf Coast University, established in 1991 and opened in 1997, with almost 15,000 students in 2017, and Florida SouthWestern State College, whose main campus is in Fort Myers (Wikipedia). Cape Coral Technical College, run by the school district, is in the city.
Living there
Cape Coral is a land sale that became the largest city between Tampa and Miami. In 1957 two Baltimore developers, Leonard and Jack Rosen, bought a 103-square-mile tract across the Caloosahatchee from Fort Myers for $678,000, and their Gulf American Land Corporation sold its lots at free-dinner sales events in 24 states, dug canals without state permits (which later bankrupted it) and paved streets ahead of the people (Wikipedia). The result, incorporated in 1970, is a grid of single-family houses on more than 400 miles of canals, more than any other city on earth by Wikipedia's account, some of them with access to the Gulf, and the same platted-lot history Port St. Lucie has on the other coast. It is as suburban as any of the Florida cities here: 79.2% of homes are owner-occupied, 0.2% of workers take transit, the median age is 48.0, the oldest of the seven, and more than half of its workers leave the city for work, nearly all of them for elsewhere in Lee County. It grew 21.8% from 2020 to 2025, second only to Port St. Lucie among large US cities, entirely on people moving in. Its household income, $85,584, is second to Port St. Lucie's; its violent crime rate, 122 per 100,000 in 2023, the last year the FBI has, is the lowest of the Florida cities here; and its sales tax, 6.5%, is the lowest. Its risk is the Gulf. Hurricane Ian came ashore on Cayo Costa, off Pine Island west of the city, in September 2022 at 150 mph, put 6 to 9 feet of water over the ground in Cape Coral and Pine Island, and drowned 36 people in Lee County in its surge.
Where each city wins, and where it loses
Both cities price in US dollars, though they were priced a week apart: San Antonio 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 prices are regional medians, because no city median is published for either, and they measure different homes. San Antonio's is the San Antonio Board of REALTORS' median sale price for Bexar County, $280,999 in August 2026 on 2,068 sales, 3.1% below a year earlier, with no split by property type; the city holds 72% of the county's residents. The Cape Coral figure is the Royal Palm Coast Realtor Association's median of single-family houses sold in its Cape Coral region of the Southwest Florida MLS, $389,950 on 442 sales, 6.1% above a year earlier; the board's region is the closest figure to the City 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, stood at $247,453 for the City of San Antonio in August, 2.2% lower on the year, and Zillow's index for the City of Cape Coral stood at $335,825, 3.9% lower, so the order holds on a measure that is the same in both and the gap narrows, to about $88,000 from $108,951. At 20% down, San Antonio's $224,799 loan costs about $1,500 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 $4,390 a year in San Antonio and about $5,362 in Cape Coral with a homestead, and insurance is budgeted at $250 and $475 a month, both estimates between published averages, the Cape Coral averages running from $3,695 to $8,688 a year for a Florida policy that covers wind with a separate hurricane deductible, and neither with a flood policy in it. The three lines come to about $2,116 and $3,056, roughly 38% and 43% of each city's 2024 median household income; at 7.03% Cape Coral's would be about $3,004. Of the $940 gap about $634 is the mortgage, $81 the property tax and $225 the insurance, and at the same rate the gap would be about $888. The rents are on the same series, Apartment List's September medians, though for the City of San Antonio and for Lee County, since Apartment List publishes none for the City of Cape Coral: a one-bedroom at $957 and $1,032, a two-bedroom $1,179 and $1,186. Zillow's observed rent index, measured for each city, puts them much further apart, $1,386 in San Antonio and $1,949 in Cape Coral in August, about 25% 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 of Cape Coral, $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 San Antonio'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 San Antonio's 532 on 8,241 in 2025, and its 2,088 property offenses to 918 against 3,920 on 60,693. Homicide was 2 in Cape Coral in 2023, about 0.9 per 100,000, against 106 in San Antonio in 2025, about 6.8. The gap in years does not decide the order: San Antonio's violent offenses in 2025 were 37% below their 2022 peak of 13,105, 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. San Antonio's record is long and improving: violent offenses dropped 10% in 2025, murders fell from 126 to 106, and motor vehicle theft fell from 19,090 in 2023 to 9,527. Both sets of FBI counts come from a feed last refreshed on 15 September 2026 and can still be revised.
Cape Coral has the milder winter and the wetter year, and the two have about the same number of hot days, with different peaks. January averages 18.2 C at Fort Myers Page Field, about 9 miles east-southeast of Cape Coral's center across the Caloosahatchee River because no station inside the city has current normals, against 11.2 C at San Antonio International, with 0.1 nights a year at or below freezing against 14.0, and July 28.4 C against 29.3 C. The normals count 120.3 days a year at 90F or above at Page Field against San Antonio's 122.4, but none at or above 37.8 C (100F) against 17.7; San Antonio International had 75 days of 100F in 2023, while Page Field had 168 at 90F or above that year, the most since 2010, and none at 100F. Cape Coral gets 1,458 mm of rain a year, 67% of it from June through September, against San Antonio's 822 mm, and no snow on the normals against 0.5 cm; no Fort Myers or Cape Coral station is on the 1961-1990 sunshine series behind San Antonio's 2,629 hours. The floods come from different places. San Antonio's come off the Balcones Escarpment, where shallow soil over limestone sends rain straight into the creeks: 11.26 in (286 mm) fell at the airport on 17 October 1998, and on 12 June 2025 a storm over the Northeast Side killed 13 people, 11 of them along Beitel Creek. Cape Coral's come from the Gulf. Hurricane 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. Winter Storm Uri took San Antonio International to 9F (-12.8 C) in February 2021 while ERCOT cut power across the state grid, and Texas counted 16 of the storm's 246 deaths in Bexar County. Page Field has recorded one night at or below freezing since 2010, 31F on 11 January 2010.
San Antonio's labor market is about four times Cape Coral's, and both added jobs at the same slow pace. BLS counted 1,191,700 nonfarm jobs around San Antonio and 311,300 in the Cape Coral-Fort Myers metro, which is Lee County alone, in August 2026, 0.5% more than a year earlier in both. On the same unadjusted basis unemployment in July was 4.7% around San Antonio and 5.2% around Cape Coral, against 4.4% nationally. San Antonio is a military city: the Texas Comptroller counts 74,713 direct employees at Joint Base San Antonio in 2025, 33,256 of them on active duty, and Fort Sam Houston has Brooke Army Medical Center and Lackland the Air Force's basic military training. Beyond the bases it has health care and biosciences, which UT San Antonio calls a $44.1 billion sector, tourism, and the headquarters of H-E-B, USAA, Valero Energy and iHeartMedia. 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. The city's largest employers are the Lee County School District, Lee Health, the City itself and Publix; health care and leisure added the most metro jobs in the year, 1,500 each, while local government lost 2,400. Most Cape Coral residents work elsewhere: 54% of the city's workers worked outside it in 2024, though fewer than one in ten left Lee County. Neither profile carries a wage figure. City median household income was $66,176 in San Antonio and $85,584 in Cape Coral in 2024, the latter with a margin of error of $7,375 either way, and the metros' $78,112 and $83,602. Neither state taxes income, so $100,000 pays $13,449 in federal tax in both for 2025, and sales tax is 8.25% in San Antonio, 0.875% of it for transit, against 6.5% in Lee County. The nominal rates are far apart and the exemptions narrow the gap. San Antonio's seven units add to 2.290174 per $100, and Texas takes $140,000 off the school levy while Bexar County, University Health and the City take 20% off a homestead. 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, with no fire district line because the City bills fire service as an assessment instead. Florida takes $25,000 off every levy and a second $25,000 off all but the schools. So on the same $389,950 house San Antonio's seven units would charge about $6,641 against $5,362, and on $280,999 the Cape Coral stack would charge about $3,686 against San Antonio's $4,390.
Neither city has much transit, and Cape Coral has the least of any here. In 2024, 2.4% of San Antonio 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; 68.2% of San Antonio's workers drove alone against 70.0%, and 11.1% and 16.3% worked from home. VIA carried 30,665,700 trips in 2025, all by bus, and has levied its sales tax since 1978; its first rapid line, the VIA Rapid Green Line, a $481 million project with a $268 million federal grant, will run on dedicated bus lanes along San Pedro Avenue from the airport through downtown and is due in April 2028. 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 16 of VIA'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 close in size. San Antonio International handled 10,740,694 passengers in 2025 and is building Terminal C, with up to 18 gates, for mid-2028. Southwest Florida International, southeast of Fort Myers and about 17 miles from Cape Coral's center, handled a record 11,154,458, a few more, with Delta, Southwest, American and United its largest carriers.
Coverage is where the two states part most. Neither Texas nor Florida has expanded Medicaid, but Texas had the highest uninsured rate of any state in 2024, 16.7%, and the City of San Antonio's was 18.0%, while Florida's was 10.9% and the City of Cape Coral's 9.4%, against 8.2% nationally. The hospitals differ in rank. University Health runs University Hospital in the South Texas Medical Center, 716 beds and a Level I trauma center for adults and children. Cape Coral's hospital 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. The schools are under strain in both. No single district covers San Antonio: Northside ISD, the largest in the area with about 98,000 students, faced a $35 million deficit in March 2026, and San Antonio ISD has closed 25 schools in a decade. 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. UT San Antonio, formed by a merger with UT Health San Antonio in September 2025, has about 40,000 students. 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 the two are growing in different ways, and that Cape Coral's low millage is not the whole of its bill. San Antonio added 14,359 residents in 2024-25, the third-largest gain of any US city, and has grown 8.0% since 2020, and Bexar County gained 2,505 more residents from the rest of the country than it lost. 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; Lee County has recorded more deaths than births in every year since 2020, so all of that growth is people moving in, onto 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. San Antonio's council, on 17 September 2026 by 7 to 4, raised the City's rate from 54.159 cents to 56.288 for fiscal 2027, its first increase since 1992, to help close a $158 million deficit over two years, with a second increase planned. The Cape Coral City Council capped its fiscal 2027 operating rate at 5.1988 mills, the rolled-back rate, and its adopted rate was not found. A homesteaded owner in Cape Coral pays an effective 1.38% on the board's Cape Coral region median against 1.56% on San Antonio's, and without a homestead the two medians would owe $5,998 and $6,435. 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 and which bring a homesteaded bill to about 1.65% of the price. 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. In San Antonio's extraterritorial jurisdiction Bexar County has created 24 special improvement districts for new subdivisions, 22 of them levying 0.54159 per $100. On the water, 20,889 lots sit on saltwater canals that reach the Gulf and 16,881 on freshwater canals that do not, and 160 bridges with set clearances decide what boat can reach a given dock. 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, and from 1 January 2027 most Citizens Property Insurance policies with wind cover must carry flood. Both bills reset on a sale: Save Our Homes resets a Florida assessment to market value the January after a sale and the Texas 10% cap lapses on one. At closing Texas has no transfer tax and no tax on the loan, and the seller customarily buys the buyer's owner's title policy, $1,674 on the Bexar 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.
Better here
- Mortgage, property tax and insurance come to about $2,116 a month on the Bexar County median, roughly 38% of the city's median household income, against $3,056 and 43% on the board's Cape Coral region median at 7.28%.
- Insurance is budgeted at $250 a month against $475, and on Zillow's index the City of San Antonio stood at $247,453 against $335,825 for the City of Cape Coral.
- Zillow's observed rent index was $1,386 in August against $1,949 in Cape Coral, and a median one-bedroom rented for $957 in September 2026.
- The metro's 1,191,700 nonfarm jobs are about four times the Cape Coral metro's 311,300, and unemployment was 4.7% against 5.2% on the same unadjusted basis.
- Joint Base San Antonio had 74,713 direct employees in 2025, and H-E-B, USAA, Valero Energy and iHeartMedia have their headquarters in the city.
- VIA carried 30,665,700 trips in 2025 against 1,969,906 on LeeTran across all of Lee County, and a rapid line on dedicated lanes is due in 2028.
Worse here
- Violent crime ran 532 per 100,000 in 2025 against 122 in Cape Coral in 2023, property crime 3,920 against 918, and there were 106 homicides against 2, on FBI counts two years apart.
- The City of San Antonio's uninsured rate was 18.0% in 2024 against 9.4% in the City of Cape Coral.
- The normals count 17.7 days a year at or above 37.8 C (100F) against none at Page Field, and 2023 had 75.
- Flash floods come within minutes: 13 people died on 12 June 2025, 11 of them along Beitel Creek.
- The City raised its own property tax rate for the first time since 1992 on a 7 to 4 vote in September 2026, with a second increase planned.
- City median household income was $66,176 in 2024, about $19,000 below Cape Coral's $85,584.
Choose San Antonio if
- you are posted to Joint Base San Antonio, or work in military medicine, health care, insurance at USAA, or tourism
- you want to own at about $2,116 a month rather than $3,056, or rent for much less
- you want a larger job market and buses with a rapid line on dedicated lanes due in 2028
- you will take 100F summers and flash floods on the creeks over a hurricane coast
The San Antonio guide · Neighborhoods · San Antonio rent vs buy · San Antonio mortgage calculator
Better here
- Violent crime ran 122 per 100,000 in 2023, the lowest of the Florida cities this site compares, against 532 in San Antonio in 2025, and there were 2 homicides, about 0.9 per 100,000, against 106.
- The City of Cape Coral's uninsured rate was 9.4% in 2024 against 18.0% in the City of San Antonio.
- January averages 18.2 C with 0.1 freezing nights a year, against 11.2 C and 14.0 at San Antonio International, and the normals count no days at 100F against 17.7.
- City median household income was $85,584 in 2024 against $66,176, and sales tax is 6.5% against 8.25%.
- A homesteaded owner pays about 1.38% of the median in property tax against 1.56%, and on the same $389,950 house San Antonio's seven units would take about $6,641 against $5,362.
- 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
- Mortgage, property tax and insurance come to about $3,056 a month on the board's Cape Coral region single-family median at 7.28%, against $2,116 on the Bexar County median at 7.03%.
- The City's fire, stormwater and solid waste assessments add about $1,080 a year that no exemption reduces, and a lot in the latest areas to get City water and sewer is assessed $32,288 to $33,367 up front.
- Unemployment was 5.2% around Cape Coral in July 2026 against 4.7% around San Antonio.
- Insurance is budgeted at $475 a month against $250, published averages run from $3,695 to $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.
- 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 and a much lower uninsured rate, on the last figures the FBI has for the city
- you want a mild winter 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
- you would pay about $940 a month more to own for a canal city on a higher household income
The Cape Coral guide · Neighborhoods · Cape Coral rent vs buy · Cape Coral mortgage calculator
San Antonio or Cape Coral, in short
Is San Antonio or Cape Coral cheaper to live in?
San Antonio, to own and to rent, by a wide margin. The cities were priced a week apart, San Antonio at Freddie Mac's 7.03% of 24 September 2026 and Cape Coral at 7.28% of 1 October, and both prices are regional medians, though they measure different homes: the San Antonio Board of REALTORS' $280,999 for Bexar County, every home type together, and the Royal Palm Coast Realtor Association's $389,950 for its Cape Coral region, single-family houses only. At 20% down the mortgage is about $1,500 against $2,134. Property tax is $4,390 a year against about $5,362 with a homestead, and insurance $250 a month against $475, so the three lines come to about $2,116 in San Antonio and $3,056 in Cape Coral, or $3,004 at the same 7.03%, roughly 38% and 43% of each city's median household income, $66,176 and $85,584. Zillow's index keeps the order, $247,453 for the City of San Antonio, and Zillow's index for the City of Cape Coral stood at $335,825. Zillow's observed rent index was $1,386 in San Antonio and $1,949 in Cape Coral in August. Neither state taxes income, and sales tax is 8.25% in San Antonio 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 San Antonio 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 San Antonio. Violent offenses ran 122 per 100,000 in Cape Coral against 532 in San Antonio, property offenses 918 against 3,920, and homicide was 2 in Cape Coral, about 0.9 per 100,000, against 106 in San Antonio, about 6.8. The years do not decide it: San Antonio's violent offenses were higher in every recent year before 2025, peaking at 13,105 in 2022, 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, San Antonio or Cape Coral?
San Antonio's is about four times the size, with lower unemployment, though both grew 0.5% in the year to August 2026. BLS counted 1,191,700 nonfarm jobs around San Antonio and 311,300 in the Cape Coral-Fort Myers metro. On the same unadjusted basis unemployment was 4.7% around San Antonio and 5.2% around Cape Coral in July. San Antonio's work leans on Joint Base San Antonio, health care and biosciences, tourism, and headquarters such as H-E-B, USAA and Valero Energy. 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. Metro median household income was $78,112 around San Antonio in 2024 and $83,602 in Lee County.
What does buying cost beyond the price in San Antonio 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, $1,674 on the Bexar County 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 $6,435 in San Antonio and $5,998 in Cape Coral. Bexar County's special improvement districts levy 0.54159 per $100 on new subdivisions outside the city. 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.
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.
- 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
- 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, Character
- 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
- Crime Data Explorer summarized agency data, San Antonio Police Department (TXSPD0000): 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
- Crime in San Antonio dropped 13% in 2025, SAPD report says · KSAT · retrieved Supports: Violent crime rate, Homicides, Crime trend
- San Antonio sees 20% drop in homicides in 2025, new report shows · San Antonio Report · retrieved Supports: Homicides, Crime trend
- US Climate Normals 1991-2020, station USW00012921 San Antonio International Airport (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 52.2F, July 84.8F and August 85.5F from the monthly series, and annual mean 69.6F, precipitation 32.38 in, snowfall 0.2 in and the counts of days at 90F and 100F and nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
- Global Historical Climatology Network daily summaries, San Antonio International Airport (USW00012921), 1946-2026 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards, Character, 11.26 in on 17 October 1998, 9.87 in on 25 May 2013, 6.11 in on 12 June 2025, 75 days at or above 100F in 2023 and 23 in a row from 30 July to 21 August 2023, 59 in 2009, 58 in 2022, 24 in 2026 through 22 September, 111F on 5 September 2000, 6.2 in of snow from 14 to 18 February 2021 and 9F on 15 February 2021, 6F on 23 December 1989, 0F on 31 January 1949, 13.2 in of snow on 12 January 1985
- October 1998 Flood Event (South Central Texas) · National Weather Service, Austin/San Antonio · retrieved Supports: Climate hazards
- Average Annual Sunshine in US Cities · Current Results (NCDC Comparative Climatic Data, 1961-1990) · retrieved Supports: Sunshine hours, Climate normals
- 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
- October 1998 Central Texas floods · Wikipedia · retrieved Supports: Climate hazards
- 12 years ago, San Antonio's Highway 281 was submerged by record flooding during Memorial Day weekend · KSAT · retrieved Supports: Climate hazards
- Texas flash floods kill 2 in San Antonio · CBS News · retrieved Supports: Climate hazards
- It's San Antonio's deadliest flood year in 27 years. What's going on? · San Antonio Report · retrieved Supports: Climate hazards, Character
- February 2021 Winter Storm-Related Deaths, Texas (mortality surveillance report) · Texas Department of State Health Services · retrieved Supports: Climate hazards
- The Timeline and Events of the February 2021 Texas Electric Grid Blackouts · The University of Texas at Austin Energy Institute · retrieved Supports: Climate hazards, Main sectors
- ACS 2024 1-year tables B08301 and B19013 for San Antonio city and the San Antonio-New Braunfels MSA · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Transit commute share, Walk and cycle commute share, Character
- ACS 2024 1-year table B27001 (health insurance coverage) for the 50 states, DC, the US, Bexar County, San Antonio city and the San Antonio-New Braunfels MSA · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Health care, Character
- Local Area Unemployment Statistics, San Antonio-New Braunfels, TX MSA (LAUMT484170000000003), Bexar County, the Houston, Dallas-Fort Worth and Austin MSAs, and the US rate (LNU04000000), not seasonally adjusted · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate
- Current Employment Statistics, San Antonio-New Braunfels, TX MSA: total nonfarm (SMU48417000000000001, SMS48417000000000001) and supersectors (SMU484170xx00000001) · US Bureau of Labor Statistics · retrieved Supports: Main sectors, Labour market
- Joint Base San Antonio (Texas military installations economic impact, 2025) · Texas Comptroller of Public Accounts · retrieved Supports: Main sectors, Labour market, Health care, Character
- Why SATX (Joint Base San Antonio, Military City USA) · Greater SATX Regional Economic Partnership · retrieved Supports: Main sectors, Labour market
- Visit San Antonio celebrates National Travel and Tourism Week 2026 · Visit San Antonio · retrieved Supports: Main sectors, Character
- UTSA and UT Health San Antonio complete merger to become The University of Texas at San Antonio · UT San Antonio · retrieved Supports: Main sectors, Labour market, Health care, Education
- USAA (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- H-E-B (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- Valero Energy (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- iHeartMedia (headquarters) · Wikipedia · retrieved Supports: Main sectors, Labour market
- City Sales and Use Tax (city rate table) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax
- Transit Sales and Use Tax (San Antonio MTA, effective January 1, 1978; San Antonio ATD, effective April 1, 2005, raised January 1, 2026) · Texas Comptroller of Public Accounts · retrieved Supports: Sales tax, Transit system, Transit ridership
- City's proposed plan: Collect sales tax for 4 years before revenue goes to VIA · San Antonio Report · retrieved Supports: Sales tax
- Texas Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes
- 2025 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- 2026 Tax Brackets and Federal Income Tax Rates · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000
- Property Tax Exemptions · Texas Comptroller of Public Accounts · retrieved Supports: Tax notes
- San Antonio approves first property tax hike in 34 years · KSAT · retrieved Supports: Tax notes, Character
- San Antonio council passes FY 2027 budget with higher property tax revenue and fees · News 4 San Antonio · retrieved Supports: Tax notes
- San Antonio approves first tax increase in more than 30 years · San Antonio Report · retrieved Supports: Tax notes, Character
- VIA Metropolitan Transit (routes, fleet, stops, history, Green and Silver lines) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- Template:American transit ridership (APTA Transit Ridership Reports, Q4 2025 and Q2 2026) · Wikipedia · retrieved Supports: Transit ridership
- Construction Updates, VIA Rapid Green Line · VIA Metropolitan Transit (Keep SA Moving) · retrieved Supports: Transit system, Transit ridership, Character
- When will San Pedro construction be complete? Here's what VIA says about progress on the Green Line. · KSAT · retrieved Supports: Transit ridership, Character
- San Antonio locks down federal funding for $480M Green Line · San Antonio Report · retrieved Supports: Transit ridership, Sales tax
- December & Year End 2025 Statistics · San Antonio International Airport · retrieved Supports: Airport passengers
- December 2024 Statistics (2024 passenger record) · San Antonio International Airport · retrieved Supports: Airport passengers
- Terminal Development Program (ELEVATE/SAT) · San Antonio International Airport · retrieved Supports: Airport passengers
- San Antonio International Airport (location, airlines, 2025 statistics) · Wikipedia · retrieved Supports: Airport passengers, Climate normals
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- San Antonio Medical Foundation marks 75th anniversary · San Antonio Report · retrieved Supports: Health care, Main sectors
- About Us · University Health · retrieved Supports: Health care
- University Hospital · University Health · retrieved Supports: Health care
- University Health (University Hospital beds, Women's & Children's Hospital) · Wikipedia · retrieved Supports: Health care
- Northside ISD faces $35 million deficit, but does not anticipate layoffs · KSAT · retrieved Supports: Education
- Like other San Antonio districts, NEISD drops its boundaries · San Antonio Report · retrieved Supports: Education, Character
- San Antonio ISD cites declining enrollment, poor academics for school closure · KSAT · retrieved Supports: Education, Character
- Alamo Colleges District (five colleges) · Wikipedia · retrieved Supports: Education
- 2025 Gazetteer Files: Places, Florida · US Census Bureau · retrieved Supports: point, City population, Climate normals, Airport passengers, Cape Coral city: 106.265 sq mi of land, 13.366 sq mi of water, internal point 26.643192, -81.997364
- Cape Coral, Florida (history, geography, climate, education, infrastructure, transportation) · Wikipedia · retrieved Supports: City population, Climate normals, Transit system, Education, Character
- Crime Data Explorer summarized agency data, Cape Coral Police Department (FL0360200): violent crime, property crime, homicide, rape, robbery, aggravated assault, burglary, larceny, motor vehicle theft and arson, 2021-2025 · FBI · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Character, 2022: 403 violent (4 + 39 + 25 + 335), 1,974 property; 2023: 277 violent (2 + 18 + 13 + 244), 2,088 property (344 + 1,618 + 124 + 2); January to October 2024: 236 violent, 1,809 property; no data from November 2024; agency population 228,672 for 2023
- FIBRS offense data by agency and month, 2021 to August 2026 · Florida Department of Law Enforcement · retrieved Supports: Violent crime rate, Property crime rate, Homicides, Crime trend, Cape Coral Police Department: twelve months for each of 2022, 2023 and 2024 and no rows for 2025 or 2026; 420, 357 and 243 violent and 2,233, 2,555 and 1,980 property offenses; motor vehicle thefts 118, 175 and 135; homicides 4, 4 and 5
- Cape Coral Police Department Mid-Year Crime Report 2025: Continued Success in Reducing Crime · Cape Coral Police Department · retrieved Supports: Homicides, Crime trend, Crime down 28% in January to June 2025, 1,487 cases against 2,076; no homicides against three; thefts 612 against 850
- 2025 Annual Report · Cape Coral Police Department · retrieved Supports: Crime trend, A 28% reduction in crime in 2025 and the second-safest city in Florida with a population over 150,000, stated without counts
- US Climate Normals 1991-2020, station USW00012835 Fort Myers Page Field (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: January mean, July mean, Annual precipitation, Climate normals, Climate hazards, January 64.7F, July 83.2F and August 83.4F and the monthly highs, lows and rain from the monthly series, which carries no snowfall normal for this station, and annual mean 75.4F, precipitation 57.41 in, 120.3 days at 90F, 0.0 at 100F and 0.1 nights at freezing from dataset=normals-annualseasonal-1991-2020 for the same station
- US Climate Normals 1991-2020, station USW00012894 Fort Myers Southwest Florida International Airport (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: Climate normals, January 64.6F, July 82.7F, 53.39 in of precipitation, 119.1 days at 90F; no snowfall normal
- US Climate Normals 1991-2020, station USC00087397 Punta Gorda 4 ESE (cooperative station) (Access Data Service) · NOAA National Centers for Environmental Information · retrieved Supports: Annual snowfall, Climate normals, 0.0 in of snow (monthly and annual)
- NCEI data search, normals-monthly-1991-2020 stations within 26.85N to 26.4N and 82.25W to 81.6W, and stations with a snowfall normal within 27.2N to 25.9N and 82.5W to 81.2W · NOAA National Centers for Environmental Information · retrieved Supports: Climate normals, USW00012835 at 26.585N, 81.8614W and USW00012894 at 26.5361N, 81.755W, the only stations with full normals near the city; USC00087397 at 26.9147N, 81.9969W the nearest with a snowfall normal
- Global Historical Climatology Network daily summaries, Fort Myers Page Field (USW00012835), 2010-2026 · NOAA National Centers for Environmental Information · retrieved Supports: Climate hazards, 168 days at or above 90F in 2023 and 134 in 2026 through 28 September; 31F on 11 January 2010, the only reading at or below freezing since 2010; 34F on 1 February 2026; a 67.1 mph gust on 28 September 2022 and no observations for the following days; 84.1 mph on 10 September 2017
- Tropical Cyclone Report: Hurricane Ian (AL092022) · NOAA National Hurricane Center · retrieved Supports: Climate hazards, Character, Landfall on Cayo Costa at 1905 UTC 28 September 2022 at 130 kt and near Punta Gorda at 125 kt; 6 to 9 ft above ground in Pine Island and Cape Coral; USGS sensors in Matlacha and Cape Coral lost or destroyed; Fort Myers NOS gauge 7.26 ft above MHHW; 41 surge deaths, 36 in Lee County; 52,514 Lee County structures affected, 5,369 destroyed, 14,245 with major damage; $112.9 billion in US damage
- FY2025 Annual Comprehensive Financial Report, Statistical Section (Schedules 6, 7, 14 and 15) · City of Cape Coral (filed with the Florida Auditor General) · retrieved Supports: Climate hazards, Main sectors, Labour market, Health care, Education, Principal employers 2025: Lee County School District 2,563, Lee Health 2,015, City of Cape Coral 1,969, Publix 1,370, Wal-Mart/Sam's Club 700, Home Depot 559, Gulf Coast Village 395, Cape Coral Charter Schools 371, Sun Splash Family Water Park 300, Westin Resort 200 (9.5% of city employment together); the 2016 list; tax-exempt property $8.56 billion in fiscal 2022 and $19.73 billion in fiscal 2024, with Ian's uninhabitable-home relief
- ACS 2024 1-year tables B19013 and B25003 for Cape Coral and Fort Myers cities, Lee County, the Cape Coral-Fort Myers MSA, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Character
- ACS 2024 1-year tables B19013 and B25003 for Port St. Lucie, St. Petersburg, Tampa, Orlando, Jacksonville and Miami cities · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Character
- ACS 2024 1-year table B01002 (median age) for Cape Coral and the other Florida cities this site compares, Lee County, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Median household income, Character
- ACS 2024 1-year tables B08007 (place of work by county), B08008 (place of work by place), B08013 (aggregate travel time), B08101 (means of transportation by age) and B08303 (travel time to work) for Cape Coral city and Lee County · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Labour market, Transit commute share, Walk and cycle commute share, Character
- ACS 2024 1-year table B08301 (means of transportation) for Lee County, and ACS 2020-2024 5-year table B08301 for Cape Coral city and Lee County · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Transit commute share, Walk and cycle commute share
- ACS 2024 1-year table B27001 (health insurance coverage) for Cape Coral city, Lee County, Florida and the US · Census Reporter API (US Census Bureau ACS) · retrieved Supports: Health care
- Local Area Unemployment Statistics, Cape Coral-Fort Myers, FL MSA (LAUMT121598000000003), Lee County (LAUCN120710000000003) and Cape Coral city (LAUCT121027500000003), not seasonally adjusted · US Bureau of Labor Statistics · retrieved Supports: Unemployment rate
- Current Employment Statistics, Cape Coral-Fort Myers, FL MSA: total nonfarm (SMU12159800000000001), mining, logging and construction (SMU12159801500000001), supersectors (SMU1215980xx00000001), retail trade and local government (SMU12159809093000001) · US Bureau of Labor Statistics · retrieved Supports: Main sectors, Labour market
- Discretionary Sales Surtax Information for Calendar Year 2026 (DR-15DSS) · Florida Department of Revenue · retrieved Supports: Sales tax, Lee 0.5%, January 1, 2019 to December 31, 2028
- Tax Information Publication 18A01-25: Lee County Adds a 0.5% School Capital Outlay Surtax Beginning January 1, 2019 · Florida Department of Revenue · retrieved Supports: Sales tax, approved by voters on November 6, 2018; combined rate 6.5%; expires December 31, 2028
- Florida Tax Rates & Rankings · Tax Foundation · retrieved Supports: Top marginal income tax, Income tax on $100,000, Tax notes
- 2025 millage rates for Lee County, Florida: taxing district millage book (district 057, City of Cape Coral) · Lee County Property Appraiser · retrieved Supports: Tax notes, District 057 total 15.3806 mills for 2025, of which the City 5.1471 operating and 0.1608 parks voted debt (as carried in lib/housing/cape-coral.ts)
- Cape Coral council sets fiscal 2027 property tax cap rate · Gulfshore Business · retrieved Supports: Tax notes, A 5.1988-mill maximum, the rolled-back rate against 5.1471, set 7 to 1 on 22 July 2026; taxable value $33.1 billion; hearings on 10 and 24 September
- Market insights report, August 2026: market summary and Cape Coral region · Royal Palm Coast Realtor Association · retrieved Supports: Tax notes, Cape Coral region single-family median $389,950 in August 2026 against $367,500 a year earlier (as carried in lib/housing/cape-coral.ts)
- Zillow Home Value Index and Observed Rent Index, city files, August 2026 · Zillow Research · retrieved Supports: Tax notes, Cape Coral (region 30742) all-homes value $335,825, down 3.9% on the year, and observed rent $1,949 (as carried in lib/housing/cape-coral.ts)
- Monthly Module Adjusted Data Release, complete monthly ridership with adjustments and estimates (Lee County, NTD 40028) · Federal Transit Administration, National Transit Database (via data.transportation.gov) · retrieved Supports: Transit ridership
- LeeTran (service area, hours, 2025 ridership) · Wikipedia · retrieved Supports: Transit system, Transit ridership
- Southwest Florida International Airport (owner, opening, location, carriers, annual passenger traffic 2023 to 2025) · Wikipedia · retrieved Supports: Airport passengers
- Southwest Florida International Airport reports record-breaking year-end traffic · WGCU · retrieved Supports: Airport passengers
- Status of State Medicaid Expansion Decisions · KFF · retrieved Supports: Health care
- Lee Health and Lee County Vote to Approve Mission Agreement, Allowing for Conversion of the Health System to a Community-Focused Nonprofit · South Florida Hospital News · retrieved Supports: Health care
- Lee Health Expands Cape Coral Hospital's Emergency Department · South Florida Hospital News · retrieved Supports: Health care
- School district addresses declining enrollment · Cape Coral Breeze · retrieved Supports: Education
- Florida Gulf Coast University · Wikipedia · retrieved Supports: Education
- San Antonio home sales rise 4% in August as prices hold steady · San Antonio Board of REALTORS · retrieved Supports: Bexar County: 2,068 home sales in August 2026, up 8.8% on the year, at a median price of $280,999, down 3.1%, and an average of $336,979, down 2.6%, The San Antonio area MLS: 3,104 sales, up 4%, at a median of $299,275 and an average of $372,989, released 10 September 2026, The release's table: an area median of $310,000 in August 2025 and $313,995 in August 2024, although its prose calls the median unchanged on the year, 5.87 months of inventory, 16,940 active listings and an average of 82 days on the market, 5,024 active residential rental listings at an average monthly rent of $1,832, down 2%, SABOR's membership serving Atascosa, Bee, Bexar, Frio, Karnes, Kendall, La Salle, Maverick, McMullen, Medina, Uvalde, Val Verde and Wilson counties
- South Texas market report: monthly releases · San Antonio Board of REALTORS · retrieved Supports: The monthly MLS releases for January through August 2026, reporting the San Antonio area and Bexar County and no City of San Antonio figure
- Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved Supports: A typical home value of $247,453 for the city of San Antonio (region 6915) in August 2026, $253,000 in August 2025, so a fall of 2.2% over the year
- Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved Supports: A typical single-family value of $249,206 in the city of San Antonio in August 2026, against $254,823 a year earlier, down 2.2%, A typical condominium value of $167,371 in the same month, against $174,092, down 3.9%, 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
- San Antonio Rent Report, October 2026 · Apartment List · retrieved Supports: A median rent of $957 for a one-bedroom and $1,179 for a two-bedroom in the city of San Antonio, and $1,121 across all bedroom sizes, Rents down 0.2% over September and down 4.3% over the past 12 months, against -2.1% for the state
- Apartments for rent in San Antonio, TX: average rent · Apartment List · retrieved Supports: Average listed rents of $1,069 and up for a studio, $1,141 and up for one bedroom, $1,477 and up for two, and $1,887 and up for three or more
- FY 2026 fair market rents, San Antonio-New Braunfels, TX HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved Supports: FY 2026 fair market rents of $1,177 for one bedroom, $1,426 for two and $1,830 for three, as gross rents including utilities, Housing Choice Voucher programs in the metro using Small Area Fair Market Rents set by ZIP code
- Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved Supports: An observed rent index of $1,386 for the city of San Antonio in August 2026, against $1,406 a year earlier, down 1.39%
- 2025 official tax rates and exemptions · Bexar County Tax Assessor-Collector · retrieved Supports: 2025 rates per $100: Bexar County 0.276331, Road and Flood Control Fund 0.023668, Hospital District 0.276235, City of San Antonio 0.541590, Northside ISD 1.004900, San Antonio ISD 1.155200, Alamo Community College District 0.149150, San Antonio River Authority 0.018300, Homestead exemptions of $5,000 or 20% for Bexar County, the Hospital District and the City; $3,000 and 20% for the Road and Flood Control Fund; $5,000 or 1% for the college district; $5,000 or 4% for the River Authority; $140,000 for Northside ISD; $140,000 and 0.01% for San Antonio ISD, San Antonio Municipal Utility District No. 1 at 0.20, twelve emergency service districts at up to 0.10, and 24 special improvement districts, 22 of them at 0.541590, The Downtown Public Improvement District at 0.15, and 0.09 on condominiums, Official tables from 2005 to 2025 and none yet for 2026, from https://www.bexar.org/1591/Tax-Rates
- 2024 actual tax rates and 2025 actual tax rates, as of 5 December 2025 · Bexar Appraisal District · retrieved Supports: The same 2025 rates to the sixth decimal, and each unit's 2024 rate beside it: the City, the county, the Road and Flood fund, the Hospital District, the college district and Northside ISD unchanged, and the River Authority up from 0.017870, Local option homestead exemptions not less than $5,000, and the Road and Flood fund's $3,000 homestead exemption, Redbird Ranch water districts at 1.00 per $100
- 2025 tax rate calculation worksheets: City of San Antonio · Bexar County Tax Assessor-Collector · retrieved Supports: A debt rate of 0.21150 per $100 within the City's 0.54159, leaving 0.33009 for maintenance and operations, The same 0.54159 adopted for the 2024 tax year
- Valuing property: limitation on residence homestead value increases · Texas Comptroller of Public Accounts · retrieved Supports: A residence homestead's appraised value may not rise more than 10% a year once the owner has qualified in the preceding and current year
- Property tax protests and appeals · Texas Comptroller of Public Accounts · retrieved Supports: A protest deadline of 15 May or 30 days after the appraisal district mails the notice of appraised value, whichever is later
- 2020 block assignment files, Texas: unified school districts and places · United States Census Bureau · retrieved Supports: Read with the 2020 redistricting file's block populations, at https://www2.census.gov/programs-surveys/decennial/2020/data/01-Redistricting_File--PL_94-171/Texas/tx2020.pl.zip, Of the City of San Antonio's 1,434,625 residents in 2020: 468,901 in Northside ISD, 368,830 in North East ISD, 298,175 in San Antonio ISD, 59,802 in Harlandale ISD, 56,792 in Edgewood ISD and 45,376 in South San Antonio ISD, 298,175 of San Antonio ISD's 300,690 residents inside the city, and 468,901 of Northside ISD's 665,676
- 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved Supports: A land area of 498.979 square miles and a water area of 5.735 square miles for San Antonio city
- Extraterritorial Jurisdiction (ETJ) · City of San Antonio Planning Department · retrieved Supports: The ETJ as the unincorporated land within five miles of the City's boundaries and not within another city's limits or ETJ, The area in which the City may annex land, with the consent of the landowner or voter approval, Senate Bill 2038, effective 1 September 2023, establishing a petition and election process for releasing property from a city's ETJ
- ETJ planning · City of San Antonio Planning Department · retrieved Supports: Two Military Protection Areas, within five miles of Camp Bullis and the Lackland Training Annex, developed as a direct result of a 2017 state law curtailing unilateral annexation by Texas cities
- Annexation and growth management policy, adopted 31 August 2023 · City of San Antonio Planning Department · retrieved Supports: Senate Bill 6 (2017) curtailing the annexation powers of cities in counties of more than 500,000 people, such as San Antonio, and requiring landowner or voter approval, Elections called in 2018 for areas within five miles of Camp Bullis-Camp Stanley and Lackland Air Force Base-Medina Training Annex, where owners chose land use controls rather than annexation, Chapter 382 public improvement districts created by the county with the City's written consent as the most common special district request
- Public improvement districts and special districts · City of San Antonio Planning Department · retrieved Supports: Special districts in the City's ETJ, including Chapter 382 public improvement districts, also called special improvement districts, water control and improvement districts and fresh water supply districts, Districts created by the county at a landowner's request with the City's consent, conditioned through development agreements
- Our history · CPS Energy · retrieved Supports: The nation's largest public power, natural gas and electric company, serving more than 996,000 electric and 399,000 natural gas customers, $10.6 billion in revenue generated for the City of San Antonio since 1942, Acquired by the City of San Antonio on 24 October 1942
- Edwards Aquifer · San Antonio Water System · retrieved Supports: About 47%, some 154,000 acre-feet, of the water SAWS customers used in 2025 came from the Edwards Aquifer, Permitted withdrawals subject to cutbacks of zero to 44% in critical periods
- Water supplies · San Antonio Water System · retrieved Supports: In 1995 all of San Antonio's water came from the Edwards Aquifer; SAWS now manages 13 supply projects from seven sources
- Stage 3 watering rules · San Antonio Water System · retrieved Supports: Stage 3 rules in effect on 30 September 2026: landscape watering once a week, on the customer's day, from 5 to 10 a.m. and 9 p.m. to midnight
- Stormwater fee · San Antonio Water System · retrieved Supports: SAWS bills the City of San Antonio's stormwater fee on the City's behalf, Residential rates of $3.75 a month up to 2,750 square feet of impervious area, $4.94 to 4,220 square feet and $10.45 above it
- Solid waste rates and fees · City of San Antonio Solid Waste Management Department · retrieved Supports: Monthly totals of $19.76, $25.26 and $35.75 for the small, medium and large garbage cart, including the $3.00 solid waste and $2.00 parks environmental fees, The fee shown and collected on the CPS Energy bill, with no additional fee for the recycling and organics carts
- June 11 to 12, 2025 San Antonio area flood event · National Weather Service, Austin/San Antonio · retrieved Supports: 13 fatalities from flooding across the San Antonio area, 12 in the Beitel Creek basin and one in the Leon Creek basin, 15 vehicles swept into Beitel Creek from the Loop 410 frontage road near Perrin Beitel Road, 3.98 inches of rain in one hour at San Antonio International Airport, the highest hourly rate on record since 1934
- San Antonio, TX · Texas State Historical Association, Handbook of Texas · retrieved Supports: The flood of 9 and 10 September 1921, which put up to twelve feet of water downtown and killed at least fifty-one people, and the Olmos Dam and river bypass built after it
- Home, flood, wind: which policies do you need? · Texas Department of Insurance · retrieved Supports: Most home policies do not cover floods; a flood policy covers damage from rising water
- 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
- Texas homeowners insurance market overview · Texas Department of Insurance · retrieved Supports: A statewide average homeowners premium of $3,489 a year
- How much is homeowners insurance in San Antonio, TX? · Insure.com · retrieved Supports: An average San Antonio premium of $2,866 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026, An average of $2,222 a year for $200,000 of dwelling cover
- Texas homeowners insurance · NerdWallet · retrieved Supports: An average San Antonio premium of $4,565 a year for $500,000 of dwelling cover, $300,000 of liability and a $1,000 deductible, updated 20 February 2026
- Renters insurance in Texas · NerdWallet · retrieved Supports: An average San Antonio renters premium of $167 a year, $14 a month, for $30,000 of personal property, updated 23 September 2026
- Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, San Antonio city · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median monthly association fee of $60 among San Antonio owner-occupied units that pay one, 110,122 of 295,530 owner-occupied units, or 37.3%, paying such a fee, and 4,864 paying $500 or more a month
- Homeownership Incentive Programs (HIP) · City of San Antonio Neighborhood and Housing Services Department · retrieved Supports: HIP 80: $1,000 to $30,000 as a 0% interest, no-payment second loan, the first $15,000 forgiven over five years and the rest over ten, on an existing home up to $260,000 or a new one up to $284,000, with 2026 income limits of $56,350 for one person to $80,500 for four, HIP 120: $1,000 to $15,000, 75% forgiven over ten years and 25% perpetual, on an existing home up to $301,700 or a new one up to $332,800, with income limits of $84,500 for one person to $120,700 for four, A HUD-approved eight-hour homebuyer class, a home inside the city limits and a $500 minimum earnest money deposit
- HIP 80 and HIP 120 general information · City of San Antonio Neighborhood and Housing Services Department · retrieved Supports: Both programs for income-eligible first-time homebuyers buying a primary residence, which must pass a HIP property review and inspection, The remaining balance repaid in part on a change of ownership, a sale or a cash-out refinance, from this sheet and the HIP 120 sheet at https://www.sa.gov/files/assets/main/v/5/nhsd/documents/hip120-generalinformation.pdf
- Cape Clips: highlights from the August 26, 2026, City Council meeting · City of Cape Coral · retrieved Supports: Fire service assessment for 2026-27: the flat tier from $349.32 to $341.63 a parcel and the structure tier from $3.47 to $3.16 per equivalent benefit unit, the average single-family home from $540.17 to $515.43, Stormwater from $156 to $163; solid waste for individual residential households unchanged at $384.25
- Tax billed assessments (non-ad valorem taxes) · City of Cape Coral, Customer Billing Services · retrieved Supports: Stormwater at $156.00 per equivalent residential unit for fiscal 2026 and $149.00 for 2025, A fire service assessment of $349.32 per parcel (Tier 1) and $3.47 per $5,000 of structure value (Tier 2) for fiscal 2026, against $278.84 and $3.07 for 2025, Solid waste at $384.25 per dwelling unit for fiscal 2026 and $345.76 for 2025; lot mowing by district on vacant lots, Utilities Extension Project assessments on a standard 10,000-square-foot parcel: North 1 West $33,367 prepaid or $35,930 financed at 6.50%, first on the taxes in 2024; North 1 East $32,288 prepaid or $33,142 financed at 6.25%, first on the taxes in 2026; 30-year default terms, Maximum annual installments for North 1 West of $812, $1,490 and $660 for water, sewer and irrigation line extension and $131, $383 and $258 for capital facility expansion charges; for North 1 East $855, $997, $803, $126, $360 and $244, Utilities extended to nearly all of south Cape Coral and work under way north of Pine Island Road
- Water, wastewater and irrigation rate schedules, effective 1 October 2026 · City of Cape Coral, Financial Services · retrieved Supports: A water capacity charge of $25.36 a month on a 5/8-inch meter and a residential commodity charge of $5.44 per thousand gallons to 5,000, A wastewater capacity charge of $32.83 a month and $12.85 per thousand gallons, Single-family irrigation at a flat $13.40 a month
- City of Cape Coral GIS: Ownership, Canals and Bridges layers · City of Cape Coral, ArcGIS Server · retrieved Supports: 137,402 parcels, 93,343 with City water available and 91,771 with City sewer, the rest in the Utilities Extension Project's North areas, 20,889 lots marked on salt water, 16,881 on fresh water and 406 on the river, Saltwater canals in five navigation systems on the Canals layer (PublicWorks MapServer 11), and 160 bridges with vertical clearances on the Bridges layer (PublicWorks MapServer 0)
- Notice to industry: substantial improvement and substantial damage, and the FEMA 50% rule notice · City of Cape Coral, Development Services · retrieved Supports: Substantial improvement as any repair, reconstruction, rehabilitation, alteration, addition or other improvement whose cost equals or exceeds 50% of the market value of the building before the work, and any repair of a substantially damaged building, City staff comparing the cost of the work with the depreciated market value of the building, and a building at or over 50 percent brought into compliance with the floodplain rules for new buildings, its lowest floor elevated, From 10 July 2025, under HB 683 and SB 180 (2025), determinations made per permit rather than on aggregate improvements
- Cape Coral helps Hurricane Ian recovery, removing five-year look-back for FEMA's 50% rule · Woodward, Pires & Lombardo, P.A. · retrieved Supports: Ordinance 96-22, approved 30 November 2022, removing the five-year cumulative count of repairs and additions from the City's substantial damage determination
- Additional homestead exemption adjustment, revised January 2025 · Florida Department of Revenue · retrieved Supports: A CPI change of 2.9% and a maximum additional exemption of $25,722 for 2025, against the $25,000 base year of 2024
- Exemption information pamphlet · Lee County Property Appraiser · retrieved Supports: A homestead exemption of up to $50,000: the first $25,000 against all taxes and an additional $25,000 on assessed value over $50,000 for all levies other than school taxes, Applications on Form DR-501 by 1 March, and portability to a new homestead established within three years of 1 January of the year the old one was abandoned
- Rent estimates summary, September 2026 · Apartment List · retrieved Supports: For Lee County, September 2026: $1,258 overall, $1,032 for one bedroom and $1,186 for two, with rents down 0.61% on the month and 4.8% on the year, No row for the City of Cape Coral among the file's cities
- Apartments for rent in Cape Coral, FL: average rent · Apartment List · retrieved Supports: Average listed rents of $1,336 and up for a studio, $1,607 and up for one bedroom, $1,832 and up for two, and $2,419 and up for three or more
- Median household income, median home value, median gross rent and tenure, tables B19013, B25077, B25064 and B25003, 2024 American Community Survey 1-year estimates · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median household income of $85,584 in Cape Coral city, against $83,602 in Lee County and $77,735 for Florida, A median owner-occupied home value of $401,800 in Cape Coral city, 69,402 of Cape Coral's 87,681 occupied homes owner-occupied, and a median gross rent of $1,998 against $1,812 for Florida
- Median gross rent by bedrooms, table B25031, 2024 American Community Survey 1-year estimates, Cape Coral city · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median gross rent of $1,719 for one bedroom, $1,702 for two, $2,272 for three and $2,637 for four
- Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, Cape Coral city · United States Census Bureau, via the Census Reporter API · retrieved Supports: 8,351 of 69,402 owner-occupied units, or 12%, paying a homeowners' association or condominium fee, A median monthly fee of $386 among them, and 1,993 paying $500 or more a month
- Documentary stamp tax · Florida Department of Revenue · retrieved Supports: 70 cents on each $100 of consideration on a deed in every county except Miami-Dade, 35 cents per $100 on a promissory note, capped at $2,450
- Rule 69O-186.003, Florida Administrative Code: title insurance rates · Florida Department of State, Florida Administrative Code · retrieved Supports: An owner's title insurance premium of $5.75 per $1,000 of liability to $100,000 and $5.00 per $1,000 from $100,000 to $1 million
- Florida homeowners insurance · NerdWallet · retrieved Supports: An average Cape Coral premium of $3,695 a year, $308 a month, against $3,725 in Fort Myers, on a sample policy with $500,000 of dwelling cover, updated 20 February 2026
- Best home insurance in Florida (2026) · Insurify · retrieved Supports: An estimated average annual premium of $8,688 in Cape Coral for $300,000 of dwelling cover, against $10,296 in Naples and $13,716 in Port Saint Lucie, current as of 30 September 2026
- Renters insurance in Florida · NerdWallet · retrieved Supports: An average Cape Coral renters premium of $140 a year, $12 a month
- Section 627.701, Florida Statutes: liability of insureds; hurricane deductibles · The Florida Legislature · retrieved Supports: An insurer offering hurricane deductibles of $500, 2%, 5% and 10% of the policy dwelling limits
- Flood: Citizens' flood insurance requirements · Citizens Property Insurance Corporation · retrieved Supports: Under section 627.715, Florida Statutes, most new and renewing Citizens personal residential policies with wind coverage required to carry flood insurance by 1 January 2027, Homes in a FEMA special flood hazard area required already
- FloodSmart · Federal Emergency Management Agency, National Flood Insurance Program · retrieved Supports: Most homeowners insurance not covering flood damage
- SB 4-D (2022): Building Safety, chapter 2022-269, Laws of Florida · The Florida Senate · retrieved Supports: Milestone inspections required of condominium and cooperative associations, and a prohibition on waiving or reducing reserves for certain items after a specified date
- Florida Hometown Heroes Housing Program · Florida Housing Finance Corporation · retrieved Supports: Down payment and closing cost assistance for first-time, income-qualified buyers in eligible occupations employed full time by a Florida-based employer, Up to 5% of the first mortgage, a maximum of $35,000 and a minimum of $10,000, as a 0%, non-amortizing, 30-year deferred second mortgage that is not forgivable