AreaProfile

33909Cape Coral, Florida

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 33909.

52
Area Score
Bottom 16% of 695 published profiles

How we calculate this

How this area ranks
Opportunity463rd of 727 published ZIP areas47
GrowthTop 25% of 701 published ZIP areas63
Housing affordability589th of 800 published ZIP areas54
ClimateTop 17% of 779 published ZIP areas81
Physical resilience786th of 800 published ZIP areas5
Access536th of 779 published ZIP areas94
Economic stability424th of 800 published ZIP areas58
The quick read

Residential permitting has slowed: 2,123 units authorized over the past twelve months, 21% below the prior year.

Physical-risk exposure is above the national median, driven mainly by hurricane, coastal flooding and wildfire.

A major airport is 18 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
40,231
2024 ACS 5-Year
Median household income
$73,053
Top 48% nationally
Density
1,064/sq mi
37.8 sq mi of land
Median age
38.3
2024 ACS 5-Year
City
Cape Coral
Florida
Metro area
Cape Coral-Fort Myers, FL
Nearest major airport
RSW
18 mi · Southwest Florida Intl
Median home value
$324,100
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.9% is lower than 34% of the 1,061 measured US ZIP areas.

Employment fell 0.7% over the past year, to 104,342 employed residents.

MetricValueCompared with peersSource period
Median household income ±$4,981$73,053Top 48%2024 ACS 5-Year
Per capita income ±$1,833$32,586Bottom 36%2024 ACS 5-Year
Poverty rate12.6%Top 40%2024 ACS 5-Year
Average commute33.1 minTop 24%2024 ACS 5-Year
Bachelor's degree or higher25.1%Top 45%2024 ACS 5-Year
Employment104,342Bottom 13%June 2026
Employment change (3 years)0.7%Top 47%June 2026
Employment change (year over year)-0.7%Top 47%June 2026
Labor force109,753Bottom 13%June 2026
Labor force participation66.5%Top 26%2024 ACS 5-Year
Mean annual wage$60,050Bottom 14%2025 OEWS
Median annual wage$46,780Bottom 17%2025 OEWS
Unemployment change (year over year)0.8%Top 10%June 2026
Unemployment rate4.9%Top 34%June 2026
Median household income, successive ACS releases
202120222023202479k67k
Each point is a separate five-year estimate, most recently $73,053 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Cape Coral-Fort Myers, FL
OccupationPeople employedMedian annual wage
Retail Salespersons12,220$34,650
Registered Nurses8,700$82,860
Waiters and Waitresses7,980$36,660
Fast Food and Counter Workers7,260$29,360
General and Operations Managers7,150$94,730
Cashiers6,950$30,530

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Cape Coral, FL, the city containing this ZIP code.

Housing & affordability

How it’s calculated →

Median rent of $1,902 takes 31% of median household income, above the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.4 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
31.2%
Above the 30% cost-burdened threshold
Home price to income
4.4×
median home value ÷ median income
Median gross rent
$1,902
2024 ACS 5-Year
Median home value
$324,100
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income4.44Top 22%2024 ACS 5-Year
Homeownership rate70.4%Bottom 30%2024 ACS 5-Year
Housing units ±96315,312Top 8%2024 ACS 5-Year
Median gross rent ±$99$1,902Top 10%2024 ACS 5-Year
Median home value ±$14,046$324,100Top 30%2024 ACS 5-Year
Rent as a share of income31.2%Top 4%2024 ACS 5-Year
Vacancy rate8.0%Bottom 38%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
63/ 100
Top 25% of 701 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 11% of permitted units are in buildings of five or more homes.

At 10.3 permitted units per 1,000 residents, building activity is above the median for measured US ZIP areas.

Units permitted
2,123
12 months ending July 2026
Per 1,000 residents
9.8
Top 8% nationally
Year over year
−21%
vs the prior twelve months
Multifamily share
11.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Cape Coral, FL, the city containing this ZIP code.

Weather & climate

8 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 92°F and January a low of 54°F.

Normal annual precipitation is 57.4 inches.

40°60°80°100°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station FT MYERS PAGE FLD AP, 11.3 miles from this location.
Precipitation
JFMAMJJASOND10.4"
Normal monthly precipitation, in inches.
MetricValueSource period
Annual precipitation57.4"1991-2020 Normals
Average January low54°F1991-2020 Normals
Average July high92°F1991-2020 Normals
Comfortable months81991-2020 Normals
Seasonal temperature swing19°F1991-2020 Normals

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today.

Physical risk

5 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, coastal flooding and wildfire.

HurricaneHigh
Coastal floodingElevated
WildfireModerate
Cold waveModerate

Low or minimal exposure: lightning, inland flooding, heat wave, tornado, strong wind, drought, landslide, earthquake, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

Taxes

AreaProfile does not yet publish tax comparisons. No tax dataset has met the source admission test for coverage, methodology transparency and update cadence, and the product rule is to omit a dimension rather than estimate it. The Area Score is calculated without a tax component and the weighting is documented on the methodology page.

Nothing on AreaProfile is individualized tax advice.

Access

6 major airports lie within 100 miles, the nearest 18 miles away.

AirportCodeDistanceLongest runway
Southwest Florida IntlRSW18 mi12,000 ft
Sarasota/Bradenton IntlSRQ59 mi9,500 ft
Lakeland Linder IntlLAL88 mi8,500 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)

Profile recalculated August 29, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

33909 vs Cape Coral

How this ZIP area compares with Cape Coral as a whole. Both figures come from the same ACS release, so the comparison is like for like.

33909
Cape Coral
Median household income
$73,053
vs
$78,104
Per capita income
$32,586
vs
$40,880
Population density
1,064/sq mi
vs
2,029/sq mi
Median home value
$324,100
vs
$373,500
Median gross rent
$1,902
vs
$1,858
Homeownership rate
70.4%
vs
77.2%
Bachelor's degree or higher
25.1%
vs
26.9%
Poverty rate
12.6%
vs
10.7%
Median age
38.3
vs
48.6

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.