HomeFloridaLee CountyCape Coral
Cape Coral, Florida: commercial real estate data.
Cape Coral is a Census city of 215,536 people across 106.25 square miles of land, in Lee County. Median household income is $78,104, 77.2 percent of occupied homes are owned, and the SBA record carries 221 7(a) approvals to borrowers here worth $107.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Cape Coral
What Cape Coral is
- Census place typecity
- Land area106.25 sq mi
- Water area13.36 sq mi
- Population per square mile of land2,029
- County holding the largest share of its areaLee County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Coral
How many people live in Cape Coral
- Population215,536
- Median age48.6
- Population under 1837,907
- Share under 1817.6 percent
- Population 65 and over53,839
- Share 65 and over25.0 percent
- Households82,914
- Family households57,292
- Share of households that are families69.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Coral
Income and work in Cape Coral
- Median household income$78,104
- Per capita income$40,880
- Civilian labor force105,021
- Employed101,006
- Unemployed4,015
- Unemployment rate3.8 percent
- Adults 25 and over164,746
- Adults 25 and over with a high school diploma or higher92.8 percent
- Adults 25 and over with a bachelor degree or higher26.9 percent
- Adults 25 and over with a graduate degree9.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Coral
Housing in Cape Coral
- Housing units100,679
- Occupied units82,914
- Vacant units17,765
- Vacancy rate17.6 percent
- Owner occupied64,036
- Renter occupied18,878
- Ownership rate77.2 percent
- Median owner-occupied home value$373,500
- Median gross rent, monthly$1,858
- Annual rent as a share of median income28.5 percent
- Single family units83,576
- Share single family83.0 percent
- Units in buildings of two or more16,340
- Share in buildings of two or more16.2 percent
- Mobile homes763 plus or minus 300
- Median year structure built2000
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Coral
How Cape Coral gets to work
- Workers 16 and over who commute84,143
- Commuting under 15 minutes15,643
- Share commuting under 15 minutes18.6 percent
- Commuting 30 minutes or more39,358
- Share commuting 30 minutes or more46.8 percent
- Drove alone73.6 percent
- Carpooled8.6 percent
- Public transport0.3 percent plus or minus 0.2
- Walked0.8 percent plus or minus 0.4
- Worked from home15.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cape Coral
SBA loans in Cape Coral (7(a))
- Approvals221
- Gross approval$107,700,600
- Average approval$487,333
- Median approval$234,000
- Ninetieth percentile approval$1,400,000
- Largest approval$5,000,000
- Jobs supported2,106
- Jobs per approval9.5
- Loans with a final outcome35
- Paid in full22
- Charged off13
- Charge-off rate over resolved loans37.1 percent
- Median term120 months
- Share on real estate terms of 20 years or more14.0 percent
- Share to franchises11.3 percent
- Distinct lenders60
- Distinct industries by NAICS105
Counted by borrower city: approvals to borrowers whose address is in Cape Coral, in any county, FY2020 to FY2026.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cape Coral
SBA loans in Cape Coral (504)
- Approvals64
- Gross approval$54,391,000
- Average approval$849,859
- Median approval$507,500
- Largest approval$4,254,000
- Jobs supported611
- Loans with a final outcome20
- Charged off0
- Median term300 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Cape Coral, in any county, FY2010 to FY2026. Only 20 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cape Coral
Flood risk in Cape Coral
- NFIP communityCity of Cape Coral
- NFIP community number125095
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date11/17/22
The City of Cape Coral participates in the National Flood Insurance Program as community 125095 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Lee County, not Cape Coral
Lee County context, not Cape Coral figures
- Establishments in Lee County22,756
- Covered employment, Lee County299,283
- Average annual pay, Lee County$61,578
- Housing units permitted, Lee County15,411
Every figure in this section is published for Lee County as a whole and is not a measurement of Cape Coral.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Cape Coral questions, answered from the record.
How many people live in Cape Coral, Florida?
215,536, in 82,914 households. Cape Coral city covers 106.25 square miles of land, which is 2,029 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cape Coral in?
Lee County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cape Coral?
$78,104. The median owner-occupied home is valued at $373,500. Median gross rent is $1,858 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cape Coral businesses?
221 7(a) approvals totaling $107.7 m since FY2020, across 60 lenders, median approval $234,000, plus 64 504 approvals worth $54.4 m since FY2010. These count approvals to borrowers whose address is in Cape Coral, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cape Coral borrowers get paid back?
Of the 35 loans that have reached a final outcome, 22 were paid in full and 13 charged off, a charge off rate of 37.1 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Cape Coral in the National Flood Insurance Program?
Yes. Cape Coral appears in the FEMA Community Status Book as Cape Coral, city of, community 125095, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cape Coral figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lee County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cape Coral.
Is zoning published for Cape Coral?
No. Nothing on this page presents parcel level zoning.