Cape Coral vs Long Beach
Cost of Living Comparison · 2026 Data
Cape Coral
Long Beach
💡 The Verdict
Cape Coral is 37% cheaper than Long Beach overall. A $75,000 salary in Cape Coral is equivalent to $118,622 in Long Beach.
Category-by-Category Breakdown
Index values for Cape Coral (left) vs Long Beach (right). National average = 100.
Detailed Price Comparison
Estimated item-level prices in Cape Coral versus Long Beach. Differences shown from Cape Coral perspective.
| Item | Cape Coral | Long Beach | Difference |
|---|---|---|---|
| 1-Bed Rent | $1,150/mo | $1,580/mo | $-430.00 |
| 2-Bed Rent | $1,540/mo | $2,200/mo | $-660.00 |
| 3-Bed Rent | $1,930/mo | $2,950/mo | $-1020.00 |
| Bread (loaf) | $2.76 | $3.14 | $-0.38 |
| Milk (gallon) | $3.93 | $4.19 | $-0.26 |
| Eggs (dozen) | $3.22 | $3.34 | $-0.12 |
| Coffee (latte) | $6.11 | $5.87 | +$0.24 |
| Gas (gallon) | $3.22 | $3.71 | $-0.49 |
| Restaurant Meal | $13.66 | $20.86 | $-7.20 |
💰 Salary Equivalence
A $75,000 salary in Cape Coral has the same purchasing power as $118,622 in Long Beach.
Conversely, $75,000 in Long Beach equals $47,419 in Cape Coral.
💼 Take-Home Pay Comparison
Estimated annual take-home pay on a $75,000 salary after federal, FICA, and state income taxes.
The $4651 difference is driven by California having a higher state income tax rate. Florida details → · California details →
Reading These Numbers: Cape Coral (98) vs Long Beach (155)
Cape Coral at 98 is 2% below the US average, while Long Beach at 155 is 55% above average. There is a meaningful cost gap between these two cities that affects day-to-day budgeting.
In Cape Coral, the composite index of 98 reflects a weighted calculation where housing carries the most influence at 108, followed by groceries (105), utilities (90), transportation (102), and healthcare (105). Costs are fairly balanced across categories.
For renters: With median rents of $1,540/mo in Cape Coral and $2,200/mo in Long Beach, the annual rent difference is approximately $7,920.0. Over a 5-year period, that compounds to $39,600.0 in savings by choosing the more affordable city.
For homebuyers: The $390,000.0 difference in median home prices between Cape Coral and Long Beach translates to meaningful differences in mortgage payments at current rates. Factor this into your budget alongside property taxes and insurance, which also vary by location.
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Making Your Decision: Cape Coral vs Long Beach
Choosing between Cape Coral and Long Beach involves more than just comparing index numbers. Consider how each category aligns with your personal spending patterns. If you work from home, transportation costs matter less than housing and utilities. If you eat out frequently, the groceries index may understate your actual food spending — look at the restaurant meal prices in the detailed comparison table above instead.
Long-term affordability in Cape Coral versus Long Beach depends partly on cost trajectory. Cities experiencing rapid population growth tend to see costs rise faster than established metros where supply has caught up with demand. While our index captures current conditions, consider whether the city trending cheaper today might converge toward average over the next five to ten years as more people discover it. Our quarterly updates help track these shifts over time.