Is Memphis cheaper than Cape Coral?

Yes. Typical rent in Memphis is $1,274 a month versus $1,961 in Cape Coral — 35% cheaper. Median household income is $48,090 in Memphis compared with $72,474 in Cape Coral, so Cape Coral has the stronger local pay picture.

Which city is safer, Memphis or Cape Coral?

Cape Coral is safer on this comparison. Its crime index is 69 versus 140 in Memphis — 51% lower (100 is the national average). Citywide indexes still hide neighborhood variation, so walk the block you would actually rent.

Which city has better schools, Memphis or Cape Coral?

School composites are close: A- in Memphis and A- in Cape Coral. Tour specific campuses rather than picking a city on the letter grade alone.

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City comparison

Memphis, TN vs Cape Coral, FL

Memphis, TN versus Cape Coral, FL is a real move, not a trivia matchup. This comparison uses the same 2026 neighborhood report data we publish on each city page — typical rent, median household income, crime indexes, school composites, and typical weather — so you can see which city actually fits how you live, work, and spend. Typical rents sit near $1,274 a month in Memphis and $1,961 in Cape Coral, and median household income lands at $48,090 versus $72,474. Open either city's full report when you want the block-level detail behind these headlines.

Memphis takes affordability and weather, while Cape Coral takes job market and safety. The widest gap is median income, where Cape Coral leads by 51% — the kind of spread you feel in a monthly budget or a nightly walk, not just on a chart. Read the category rows as a filter: if cheaper housing would change your life more than a stronger job market, weight rent first. If you are moving with kids, weight schools and crime. If you picked a city after one good weekend, use the weather and income rows to test whether that weekend survives a full year.

Numbers below are citywide, not a guarantee about the street you will actually live on. Two ZIP codes in Memphis can feel further apart than Memphis and Cape Coral do on paper. Use this page to pick a city, then use the Memphis and Cape Coral reports to pick a neighborhood — and visit in the season you like least before you sign anything.

Full Memphis report Full Cape Coral report

Memphis, TN

Rent: $1,274/mo
Median income: $48,090
Crime index: 140
Schools: A-
Weather: 84°F

Cape Coral, FL

Rent: $1,961/mo
Median income: $72,474
Crime index: 69
Schools: A-
Weather: 86°F

Rent

35% cheaper

Memphis rent is 35% cheaper than Cape Coral

Memphis

Winner

$1,274/mo

Cape Coral

$1,961/mo

What this means for your life

Typical rent runs $1,274 a month in Memphis versus $1,961 in Cape Coral, so Memphis is 35% cheaper. That's roughly $687/month back in your pocket — $8,244/year. Over five years that's $41,220 you could redirect toward a down payment, travel, or investments. Housing is the bill you pay before groceries, childcare, or a social life, so that gap shows up in how often you eat out and how panicked a rent hike feels. If you already have a high-paying offer in Cape Coral, the extra rent can be rational. If you do not, Memphis is the easier city to land in without blowing up your budget.

Median income

51% higher

Cape Coral's median income is 51% higher than Memphis

Memphis

$48,090

Cape Coral

Winner

$72,474

What this means for your life

Median household income is $72,474 in Cape Coral versus $48,090 in Memphis, so typical pay runs 51% higher in Cape Coral — about $24,384 more household income a year. Higher median income usually signals a stronger local job market and better negotiating leverage on salary. Remote workers should weigh this against cost of living rather than treating it as a direct personal benefit. For people who will actually work in town, Cape Coral is the stronger labor market on paper. Memphis can still win if housing is cheap enough to offset the weaker median or if your specific role already pays well there.

Crime index

51% lower crime

Cape Coral's crime index is 51% lower than Memphis

Memphis

140 (100 = avg)

Cape Coral

Winner

69 (100 = avg)

What this means for your life

Cape Coral's crime index is 69 versus 140 in Memphis (100 = national average), so citywide crime runs 51% lower in Cape Coral. That gap is meaningful day-to-day — it affects whether you feel comfortable walking at night, leaving your car on the street, or letting kids play outside unsupervised. Indexes still compress a lot of reality: a calmer city has blocks you would skip, and a higher-crime city has streets that feel neighborly at 10 p.m. On the everyday test of walking from the car to the door, Cape Coral is the easier city. Memphis can still work if you pick the right pocket — just budget more diligence before you sign a lease.

School scores

Neck and neck

Memphis and Cape Coral are about even on school scores.

Memphis

A- · 84/100

Cape Coral

A- · 84/100

What this means for your life

School composites are effectively even (A- in Memphis, A- in Cape Coral). For families with kids this is a warning if you assumed one city was obviously better — at this range the campus, not the city name, decides it. Tour the zoned elementary you would actually use.

Typical weather

8% more comfortable

Memphis weather is 8% more comfortable than Cape Coral

Memphis

Winner

84°F typical

Cape Coral

86°F typical

What this means for your life

Memphis scores 8% more comfortable on this page's weather index, which rewards temperatures closer to a livable outdoor day. Typical temperatures sit around 84°F in Memphis and 86°F in Cape Coral. Memphis reads as hot, long summers; Cape Coral reads as hot, long summers. The comfort edge is real but not a personality transplant. If you already know you want Cape Coral's season, a modest index lead should not talk you out of it. If you are undecided, Memphis is the city where the forecast fights you less.

Fit check

Who should choose Memphis

Outdoor enthusiasts and people who need year-round access to nature for their wellbeing

Memphis is the clearer landing pad if housing cost is what keeps you up at night. Typical rent is 35% cheaper here at about $1,274 a month. Choose Memphis if you are stretching a salary, starting over, or want slack for travel and debt instead of a flashier skyline.

Pick Memphis if you are an outdoor enthusiast or you need year-round access to nature for your wellbeing. Typical conditions (84°F) beat Cape Coral on this page's weather index by 8%. Cape Coral may pay more or cost less, but Memphis is the city where the forecast fights you less.

Open the Memphis report →

Fit check

Who should choose Cape Coral

Career-focused movers who want salary upside and professional growth

Cape Coral is the better city for career-focused movers who want salary upside and professional growth. Median household income is 51% higher here ($72,474). Start with Cape Coral if your next chapter is about building earnings, and make weather or nightlife a secondary screen.

Cape Coral is the better fit for families with young children and retirees who prioritize peace of mind over urban energy. The crime index is 51% lower than Memphis (69 vs a 100 national average). That gap shows up in how freely you walk at night and how much attention you spend on the car and the deadbolt.

Open the Cape Coral report →

Bottom line

Memphis vs Cape Coral, called

If the job market is your priority, Cape Coral is the clear choice.

If cost of living matters more to you, Memphis pulls ahead.

For most movers comparing these two cities, Memphis offers the better overall package.

Common questions

Memphis vs Cape Coral FAQ

Is Memphis cheaper than Cape Coral?: Yes. Typical rent in Memphis is $1,274 a month versus $1,961 in Cape Coral — 35% cheaper. Median household income is $48,090 in Memphis compared with $72,474 in Cape Coral, so Cape Coral has the stronger local pay picture.
Which city is safer, Memphis or Cape Coral?: Cape Coral is safer on this comparison. Its crime index is 69 versus 140 in Memphis — 51% lower (100 is the national average). Citywide indexes still hide neighborhood variation, so walk the block you would actually rent.
Which city has better schools, Memphis or Cape Coral?: School composites are close: A- in Memphis and A- in Cape Coral. Tour specific campuses rather than picking a city on the letter grade alone.

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