Cape Coral FL vs St. Charles MO — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Cape Coral, FL
Florida · Population: 206,387
- Median HH Income$76,062
- Median Home Price$339,638
- Unemployment4.1%
- Bachelor's+25.7%
St. Charles, MO
Missouri · Population: 71,542
- Median HH Income$55,578
- Median Home Price$144,200
- Unemployment4.7%
- Bachelor's+22.7%
Detailed Comparison
Demographics
Population
Cape Coral
206,387
Cape Coral +
St. Charles
71,542
Pop. Density / sq mi
Lower = more space
Cape Coral
N/A
St. Charles
N/A
Median Age
Cape Coral
48.7
St. Charles
37.9
St. Charles +
Foreign Born
Cape Coral
17.9%
Cape Coral +
St. Charles
4.2%
White
Cape Coral
72.9%
St. Charles
80.4%
St. Charles +
Black
Cape Coral
4.5%
St. Charles
6.7%
St. Charles +
Asian
Cape Coral
1.6%
Cape Coral +
St. Charles
1.4%
Hispanic
Cape Coral
25.1%
Cape Coral +
St. Charles
7.7%
Spanish at Home
Cape Coral
N/A
St. Charles
N/A
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Population | 206,387 | 71,542 | Cape Coral + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 48.7 | 37.9 | St. Charles + |
| Foreign Born | 17.9% | 4.2% | Cape Coral + |
| White | 72.9% | 80.4% | St. Charles + |
| Black | 4.5% | 6.7% | St. Charles + |
| Asian | 1.6% | 1.4% | Cape Coral + |
| Hispanic | 25.1% | 7.7% | Cape Coral + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Cape Coral
$76,062
Cape Coral +
St. Charles
$55,578
Per Capita Income
Cape Coral
$39,603
Cape Coral +
St. Charles
$31,499
Per Capita Personal Income (MSA)
BEA MSA-level
Cape Coral
$65,328
Cape Coral +
St. Charles
$58,527
Unemployment Rate
Cape Coral
4.1%
Cape Coral +
St. Charles
4.7%
Poverty Rate
Cape Coral
9.8%
Cape Coral +
St. Charles
18.7%
Bachelor's Degree+
Cape Coral
25.7%
Cape Coral +
St. Charles
22.7%
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Median HH Income | $76,062 | $55,578 | Cape Coral + |
| Per Capita Income | $39,603 | $31,499 | Cape Coral + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $58,527 | Cape Coral + |
| Unemployment Rate | 4.1% | 4.7% | Cape Coral + |
| Poverty Rate | 9.8% | 18.7% | Cape Coral + |
| Bachelor's Degree+ | 25.7% | 22.7% | Cape Coral + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Cape Coral
$339,638
St. Charles
$144,200
St. Charles +
Homeownership Rate
Cape Coral
77.7%
Cape Coral +
St. Charles
61.4%
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $339,638 | $144,200 | St. Charles + |
| Homeownership Rate | 77.7% | 61.4% | Cape Coral + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Cape Coral
324
Cape Coral +
St. Charles
501
Property Crime / 100K
FBI CDE (state-level est.)
Cape Coral
1453
Cape Coral +
St. Charles
2418
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 501 | Cape Coral + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 2418 | Cape Coral + |
Health
Obesity Rate
CDC PLACES
Cape Coral
30.6%
Cape Coral +
St. Charles
35.9%
Diabetes Rate
CDC PLACES
Cape Coral
13.4%
St. Charles
10.4%
St. Charles +
Poor Mental Health
CDC PLACES — 14+ days/month
Cape Coral
15.5%
Cape Coral +
St. Charles
16.0%
No Health Insurance
CDC PLACES
Cape Coral
14.4%
St. Charles
7.1%
St. Charles +
Binge Drinking
CDC PLACES
Cape Coral
15.1%
Cape Coral +
St. Charles
18.4%
Current Smokers
CDC PLACES
Cape Coral
12.6%
St. Charles
12.5%
St. Charles +
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 30.6% | 35.9% | Cape Coral + |
| Diabetes RateCDC PLACES | 13.4% | 10.4% | St. Charles + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.5% | 16.0% | Cape Coral + |
| No Health InsuranceCDC PLACES | 14.4% | 7.1% | St. Charles + |
| Binge DrinkingCDC PLACES | 15.1% | 18.4% | Cape Coral + |
| Current SmokersCDC PLACES | 12.6% | 12.5% | St. Charles + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Cape Coral
N/A
St. Charles
N/A
Annual Precipitation
NOAA 1991–2020 normal
Cape Coral
N/A
St. Charles
N/A
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Cape Coral
7.2 µg/m³
Cape Coral +
St. Charles
9.3 µg/m³
Good Air Days
AQI ≤ 50
Cape Coral
75.0%
Cape Coral +
St. Charles
55.0%
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 9.3 µg/m³ | Cape Coral + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Cape Coral + |
Commute
Mean Commute Time
Census ACS
Cape Coral
31.1 min
St. Charles
18.3 min
St. Charles +
| Metric | Cape Coral, FL | St. Charles, MO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 31.1 min | 18.3 min | St. Charles + |
Which City is Right for You?
Cape Coral leads in median household income at $76,062, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, Cape Coral is safer with a violent crime rate of 324 per 100,000 residents, compared to 501 in St. Charles. Cape Coral has a lower unemployment rate at 4.1%, and Cape Coral has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Cape Coral scores better with a lower obesity rate of 30.6%.
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