City comparison
No. Cape Coral's crime index is 46 versus 261 in Philadelphia, and its violent crime index is 35 versus 252, using 2024-2025 FBI data for Philadelphia and 2024 FBI data for Cape Coral.
Philadelphia is cheaper. Median rent is $1,397 a month versus $1,858 in Cape Coral.
Safety is where Philadelphia and Cape Coral split most clearly. Cape Coral scores 215 points better on the crime index, a gap that shows up in evening walks, parking situations, and insurance rates. Rent runs $1,397 in Philadelphia and $1,858 in Cape Coral.
Cape Coral is not a close call here. It leads on the job market, safety, and weather by margins that add up in daily life. Philadelphia makes sense if you have a specific reason, a job offer, family, or a neighborhood you already know, but on the numbers alone Cape Coral is the stronger move.
The rent gap is real but neighborhoods matter. Philadelphia at $1,397 average has pockets that run $1,197 and others at $1,797: your actual number depends on which part of the city you land in.
The move
Philadelphia and Cape Coral are 1,004 miles apart in a straight line.
Median rent goes from $1,397 a month in Philadelphia to $1,858 a month in Cape Coral, up $461 a month (33%).
Median household income goes from $61,953 in Philadelphia to $78,104 in Cape Coral, up $16,151 (26%).
The crime index goes from 261 in Philadelphia to 46 in Cape Coral, down 215 points (82%).
The move
Cape Coral and Philadelphia are 1,004 miles apart in a straight line.
Median rent goes from $1,858 a month in Cape Coral to $1,397 a month in Philadelphia, down $461 a month (25%).
Median household income goes from $78,104 in Cape Coral to $61,953 in Philadelphia, down $16,151 (21%).
The crime index goes from 46 in Cape Coral to 261 in Philadelphia, up 215 points (467%).
Philadelphia, PA
School quality varies by neighborhood. Check GreatSchools.org for current ratings.
Cape Coral, FL
School quality varies by neighborhood. Check GreatSchools.org for current ratings.
Comparing Philadelphia and Cape Coral? Check mortgage rates before you decide where to buy.
Rent
25% cheaper
Philadelphia rent is 25% cheaper than Cape Coral
Philadelphia
Winner$1,397/mo
Cape Coral
$1,858/mo
Typical rent runs $1,397 a month in Philadelphia versus $1,858 in Cape Coral, so Philadelphia is 25% cheaper. That's roughly $461/month back in your pocket ($5,532/year). Over five years that's $27,660 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, Philadelphia is the easier city to land in without blowing up your budget.
Planning to buy in Cape Coral? Check mortgage rates before you decide.
Median income
26% higher
Cape Coral's median income is 26% higher than Philadelphia
Philadelphia
$61,953
Cape Coral
Winner$78,104
Median household income is $78,104 in Cape Coral versus $61,953 in Philadelphia, so typical pay runs 26% higher in Cape Coral (about $16,151 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. Philadelphia can still win if housing is cheap enough to offset the weaker median or if your specific role already pays well there.
Crime index
82% lower crime
Cape Coral's crime index is 82% lower than Philadelphia
Philadelphia
261 (100 = avg)
Cape Coral
Winner46 (100 = avg)
Cape Coral's crime index is 46 versus 261 in Philadelphia (100 = national average), so citywide crime runs 82% 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. Philadelphia can still work if you pick the right pocket. Just budget more diligence before you sign a lease.
Typical weather
39% more comfortable
Cape Coral weather is 39% more comfortable than Philadelphia
Philadelphia
55°F avg · 61°F highs · comfort 72/100
Cape Coral
Winner72°F avg · 79°F highs · comfort 100/100
Philadelphia averages about 55°F (61°F highs); Cape Coral averages about 72°F (79°F highs). Philadelphia averages around 55°F, so jackets, heating bills, and shorter outdoor seasons are part of daily life. Cape Coral sits near 72°F on average, a range where people can be outside without fighting extreme heat or cold. Cape Coral scores 39% closer to the 65-80°F comfort band on this page, so it is the easier default for year-round outdoor errands and evenings. Choose Philadelphia if you already prefer its hotter or cooler pattern and have budgeted for the AC or heating that comes with it.
Fit check
People with a job, family, or neighborhood already pulling them to Philadelphia
Philadelphia is the clearer landing pad if housing cost is what keeps you up at night. Typical rent is 25% cheaper here at about $1,397 a month. Choose Philadelphia if you are stretching a salary, starting over, or want slack for travel and debt instead of a flashier skyline.
Fit check
Career-focused movers who want salary upside plus year-round outdoor access
It is also a match for career-focused movers who want salary upside and year-round outdoor access. Median household income runs 26% higher ($78,104), and typical weather is the more comfortable of the two (around 72°F). That pairing is for people who will work hard and then actually use the evenings.
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 82% lower than Philadelphia (46 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.
Bottom line
Philadelphia carries the heavier crime signal on this page (31/100 safety vs 84/100 in Cape Coral). That 53-point spread matters more than the $461 rent gap when you are choosing where to walk after dark.
Cape Coral still pays more locally ($78,104 median income vs $61,953), which can offset the lease if your field pays Cape Coral rates.
Weather averages land near 55°F in Philadelphia and 72°F in Cape Coral.
Cape Coral clears the bar on safety in this dataset. Philadelphia deserves a serious look only when you already know the Philadelphia block you would live on and the safety gap is acceptable.
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