City comparison
Cape Coral, FL vs Modesto, CA
What a paycheck is really worth in each city: prices, rent and state taxes.
Key findings
- Prices in Modesto, CA are 1.7% higher than in Cape Coral, FL. Someone earning $100,000 in Cape Coral, FL would need about $101,700 in Modesto, CA to live the same way.
- Rent is the bigger story: a typical 1-bedroom costs $1,638 a month in Cape Coral, FL versus $1,356 in Modesto, CA. On $100,000, that's 25% of take-home pay in Cape Coral, FL and 22% in Modesto, CA.
- On $100,000, estimated state income tax is about $5,070 a year higher in Modesto, CA than in Cape Coral, FL.
- For federal employees, locality pay changes a GS-13 step 1 salary by +25.0% moving from Cape Coral, FL to Modesto, CA ($106,437 → $133,060), while prices change by +1.7%. Net effect of the transfer: +22.9% in real buying power.
- Cape Coral, FL: price level 102.3 (pricier)
- Modesto, CA: price level 104.1 (pricier)
Map drawn from Census Bureau state boundaries and metro locations9,10; dot colours show BEA price levels2.
Side by side
| Cape Coral, FL | Modesto, CA | |
|---|---|---|
| Price level (U.S. = 100)2 | 102.3 | 104.1 |
| $100,000 is worth, in the other city2 | $101,719 in Modesto | $98,310 in Cape Coral |
| Typical 1-bedroom rent3 | $1,638/mo | $1,356/mo |
| Take-home on $100,00014,15,8 | $79,180 | $74,110 |
| State income tax on $100,000 (estimate)8 | $0 (FL) | $5,070 (CA) |
| Rent burden on $100,000 | 25% | 22% |
| Median pay, all jobs4 | $46,780 | $50,610 |
| Federal locality pay area7 | Rest of U.S. | San Jose-San Francisco-Oakland, CA |
Rent areas: Cape Coral-Fort Myers, FL MSA and Modesto, CA MSA. Metro areas: Cape Coral-Fort Myers, FL and Modesto, CA.
What costs more or less
| Price level (U.S. = 100) | Cape Coral | Modesto |
|---|---|---|
| Housing (rent) | 125.1 | 108.5 |
| Goods | 96.2 | 105.2 |
| Utilities | 86.9 | 152.3 |
| Other services | 98.9 | 100.3 |
| Overall | 102.3 | 104.1 |
Moving with the same $100,000 salary
Cape Coral, FL → Modesto, CA
Roughly even
Buying power −1.7%; rent takes 22% of take-home; state tax +$5,070/yr.
63 Fair offer
Modesto, CA → Cape Coral, FL
Roughly even
Buying power +1.7%; rent takes 25% of take-home; state tax −$5,070/yr.
74 Strong offer
On the GS pay scale?
Cape Coral, FL is in the Rest of U.S. pay area; Modesto, CA is in San Jose-San Francisco-Oakland, CA. The last column shows what a transfer from Cape Coral, FL to Modesto, CA at the same grade and step does to real buying power.
| Grade5,2 | Cape Coral, FL | Modesto, CA | Real change, Cape Coral → Modesto |
|---|---|---|---|
| GS-9 step 1 | $61,722 | $77,161 | +22.9% |
| GS-11 step 1 | $74,678 | $93,358 | +22.9% |
| GS-12 step 1 | $89,508 | $111,896 | +22.9% |
| GS-13 step 1 | $106,437 | $133,060 | +22.9% |
| GS-14 step 1 | $125,776 | $157,236 | +22.9% |
Pay for common jobs
| Median annual pay4 | Cape Coral, FL | Modesto, CA | Modesto pay in Cape Coral dollars |
|---|---|---|---|
| Elementary School Teachers, Except Special Education | $60,470 | $101,640 | $99,923 (+65.2%) |
| Software Developers | $126,940 | $119,770 | $117,746 (−7.2%) |
| Accountants and Auditors | $79,420 | $83,560 | $82,148 (+3.4%) |
| Registered Nurses | $82,860 | $132,590 | $130,350 (+57.3%) |
"Not published" means BLS doesn't release an estimate for that job in that metro.