Moving from Naples to Cape Coral
Your paycheck buys about the same in Cape Coral as in Naples. Compare taxes, rent, home prices and the cost of the move.
Equal salary in Cape Coral: $94,100
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $94,100 in Cape Coral, FL to match $95,000 in Naples, FL ($900 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in Florida, which has no state income tax on wages; neither city levies a resident income tax.
Naples vs Cape Coral: key facts
- Median rent
- $2,032 → $1,871/mo
- Median home value
- $636,600 → $396,500
- Median household income
- $95,862 → $83,602
- Price level (U.S. = 100)
- 103.2 → 102.3
- Natural hazard risk (FEMA)
- Among the highest (98.9 → 99.0 of 100)
Naples vs Cape Coral cost of living
The vertical line marks the U.S. average (100).
| Measure | Naples, FL | Cape Coral, FL |
|---|---|---|
| Overall price level (U.S. = 100) | 103.2 | 102.3 |
| Median rent | $2,032 | $1,871 |
| Income to rent affordably (30%) | $81,280 | $74,840 |
| Median home value | $636,600 | $396,500 |
| Monthly cost to own (20% down) | $3,879 | $2,565 |
| Income needed to buy | $166,225 | $109,912 |
| Median property tax | $3,597 | $3,087 |
| State income tax on $95,000 | $0 | $0 |
| Metro population | 416,233 | 860,959 |
Metro-area figures (Census ACS 2024, BEA 2024). Taxes use each metro's principal state.
Your yearly budget: Naples vs Cape Coral
On a $95,000 salary, taxes, housing, electricity, one car and health insurance for one adult come to $57,717 a year in Naples and $55,785 in Cape Coral if you rent: $1,932 less after the move. If you buy the median home, they come to $79,876 and $64,108 ($15,768 less).
Your yearly budget, before vs after
| Yearly cost | NaplesBefore | Cape CoralAfter | Change |
|---|---|---|---|
| Income and payroll taxes on $95,000, single filer | $19,338 | $19,338 | $0 |
| Electricity state average bill | $1,873 | $1,873 | $0 |
| Car insurance one car, state average | $1,865 | $1,865 | $0 |
| Gas 12,000 miles at 25 mpg | $2,061 | $2,061 | $0 |
| Health insurance one adult, age 40, own plan before subsidies | $8,196 | $8,196 | $0 |
| If you rent | |||
| Rent median, 12 months | $24,384 | $22,452 | -$1,932 |
| Total if you rent | $57,717 | $55,785 | -$1,932 |
| If you buy the median home (20% down) | |||
| Mortgage payment median home, 20% down, 6.95% | $40,454 | $25,196 | -$15,258 |
| Property tax median home | $3,597 | $3,087 | -$510 |
| Homeowners insurance state median, with a mortgage | $2,492 | $2,492 | $0 |
| Total if you buy | $79,876 | $64,108 | -$15,768 |
Taxes: 2026 federal and state rules, plus the principal city's resident income tax where it has one, standard deduction. Rent, home value and property tax: Census ACS 2024 metro-area medians. Mortgage: Freddie Mac 30-year average (6.95%, week of September 17, 2026).
State figures for the principal state: EIA 2024 average residential power bill, NAIC 2023 auto insurance (average per car), Census ACS 2024 homeowners insurance (median for owners with a mortgage; premiums have risen since), AAA regular gas on September 23, 2026, and the KFF 2026 benchmark silver Marketplace premium. Job-based health coverage usually costs you less, and in 2026 incomes between 100% and 400% of the federal poverty level can get a premium tax credit.
Not included: sales tax (combined state and local rates are not in our data yet), food, car payments and other spending.
Child care is not in the totals. Full-time center care for one infant averages $13,011 a year in Naples and $13,011 in Cape Coral (Child Care Aware of America, 2024 state averages).
Who moves from Naples to Cape Coral
About 2,781 households (4,627 people) moved from the Naples metro area to the Cape Coral metro area in 2022–2023, making Cape Coral the #1 destination for people leaving Naples among the 149 metro areas we cover. 1,925 households moved the other way. Their average adjusted gross income was $91,656.
Cost to move from Naples to Cape Coral
| Moving method (2–3 bedrooms) | Typical range |
|---|---|
| Rental truck (DIY) | $310–$600 |
| Moving container | $1,090–$2,030 |
| Full-service movers | $1,830–$4,860 |
At about 40 miles, this move is shorter than the long-distance routes these ranges are modeled on. A move this short is often priced by the hour, so quotes can come in lower.
Natural hazard risk: Naples vs Cape Coral
FEMA's National Risk Index rates the Naples area among the highest (score 98.9) and the Cape Coral area among the highest (score 99), on a 0–100 national percentile scale. Expected yearly losses from natural hazards average $1,061 vs $570 per resident.
The vertical line marks the middle of U.S. counties (50).
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
Is Cape Coral cheaper than Naples?
Overall prices in the Cape Coral area are 0.9% lower than in Naples (BEA Regional Price Parities 2024). Median rent is $1,871 vs $2,032 a month, and the median home is $396,500 vs $636,600.
What salary do I need in Cape Coral to match $100,000 in Naples?
About $99,000, after 2026 federal taxes and local prices. Both are in Florida, which has no state income tax on wages.
How much does it cost to move from Naples to Cape Coral?
For a 2–3 bedroom home over about 40 miles: roughly $310–$600 with a rental truck, $1,090–$2,030 with a container, or $1,830–$4,860 with full-service movers. A move this short is often priced by the hour, so quotes can come in lower.
How many people move from Naples to Cape Coral?
IRS county migration data for 2022–2023 show about 2,781 households (4,627 people) moved from the Naples metro area to the Cape Coral metro area, and 1,925 moved the other way.