Cape Coral, Florida | 55+ Living
Florida RetirementCommunities in Cape Coral
Discover affordable waterfront retirement living with a boater’s paradise
lifestyle, over 400 miles of canals, and a welcoming community atmosphere at
prices well below Naples and Miami. US Prime Realty’s Cape Coral retirement
specialists help retirees maximize their retirement budget.
Top Cape CoralRetirement Communities
Explore Cape Coral’s premier retirement communities offering active adult living, waterfront access, and exceptional value.
DEEP WATER MARINA
Burnt Store Marina
- Direct Gulf of Mexico access
- Full-service deep-water marina
- Golf course & country club
- Waterfront dining & entertainment
- Boating lifestyle paradise
$200K - $600K
BEACH ACCESS
Cape Coral Yacht Club
- Private beach on Caloosahatchee River
- Walking distance to beach & pier
- Canal-front homes available
- Community pool & boat ramp
- Established neighborhood charm
$150K - $400K
GOLF & WATERFRONT
Burnt Store Lakes
- 27-hole championship golf course
- Waterfront homesites available
- Active adult community clubhouse
- Tennis, pickleball, fitness center
- Marina with Gulf access
$150K - $400K
GATED COMMUNITY
SANDOVAL
- Gated resort-style community
- Resort pool, spa & fitness center
- Tennis courts & pickleball
- Clubhouse with social activities
- Low HOA fees with amenities
$250K - $500K
GOLF & WATERFRONT
Burnt Store Lakes
- 27-hole championship golf course
- Waterfront homesites available
- Active adult community clubhouse
- Tennis, pickleball, fitness center
- Marina with Gulf access
$500K - $1M
Why Retire in Cape Coral
Discover why thousands of retirees choose Cape Coral for their dream retirement lifestyle.
Exceptional Affordability
Home prices 40-60% lower than Naples and Miami, allowing you to stretch your retirement budget and live the waterfront lifestyle you've always dreamed of.
Waterfront Lifestyle
Over 400 miles of navigable canals make Cape Coral a boater's paradise. Many homes offer direct Gulf access at a fraction of coastal prices.
Boating Paradise
Launch from your backyard and enjoy world-class fishing, island hopping to Sanibel and Captiva, and sunset cruises on the Gulf of Mexico.
Golf Courses Galore
Multiple championship golf courses including Coral Oaks, Cape Royal, and the renowned Burnt Store Marina Golf Club offer year-round play.
No State Income Tax
Florida's tax-friendly policies mean no state income tax, helping your retirement savings last longer with more money in your pocket.
Active Community
Vibrant 55+ communities with packed social calendars, clubs, fitness programs, and welcoming neighbors who share your retirement vision.
Cape Coral Retirement Lifestyle
Experience the perfect blend of relaxation, recreation, and adventure in your retirement years.
Boating & Fishing
World-class fishing for snook, tarpon, and redfish. Launch from your backyard or community marina. Join fishing clubs and tournaments.
Championship Golf
Year-round golfing on multiple courses. Join golf leagues, take lessons, and enjoy Florida's perfect golf weather every day.
Nearby Beaches
Minutes from Fort Myers Beach, Sanibel, and Captiva Islands. Enjoy world-famous shelling, white sand beaches, and stunning sunsets.
Dining & Entertainment
Waterfront restaurants, live music venues, farmers markets, and art galleries. Fort Myers' River District just minutes away for cultural events.
Quality Healthcare
Lee Health system with Cape Coral Hospital, numerous medical facilities, specialists, and quick access to top-rated healthcare services.
Active Community
Vibrant 55+ communities with packed social calendars, clubs, fitness programs, and welcoming neighbors who share your retirement vision.
Waterfront Retirement:Gulf Access vs. Freshwater
Not all canals are created equal. Understanding the difference between Gulf-access
and freshwater canals will help you choose the perfect waterfront retirement home.
What It Means :
Direct boat access to the Gulf of Mexico via the Caloosahatchee River. No bridges or obstructions to navigate.
Ideal For :
◉ Serious boaters with sailboats or larger vessels
◉ Offshore fishing enthusiasts
◉ Island hopping to Sanibel/Captiva
◉ Long-range cruising
Benefits :
◉ Unrestricted Gulf access
◉ Deeper water for larger boats
◉ Higher resale value
◉ Saltwater boating lifestyle
Typical Range
💎 $400K – $1M+
What It Means :
Canals that don’t connect to the Gulf. Perfect for kayaking, canoeing, paddleboarding, and enjoying waterfront views.
Ideal For :
◉ Budget-conscious retirees
◉ Kayakers and paddleboarders
◉ Those who enjoy waterfront ambience
◉ Wildlife watching and serenity
Benefits :
◉ 40-50% more affordable
◉ Calmer water for paddling
◉ Lower insurance costs
◉ Beautiful water views
Typical Range
💎 $200K – $500K
Community Marina Access :
Live on a freshwater canal but access Gulf-access marinas through your community amenities.
Why It Works :
◉ Affordable waterfront living
◉ Boat storage at community Marina
◉ No boat maintenance at your dock
◉ Best value proposition
Perfect For :
◉ Occasional boaters
◉ Value-focused retirees
◉ Those who want flexibility
◉ Social community lifestyle
Typical Range
💎 $250K – $550K
Cape Coral Retirement Costs
Transparent cost breakdown to help you plan your Cape Coral retirement budget with confidence.
Expense Category
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Median Home Price
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Property Taxes (Annual)
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HOA Fees (Monthly)
-
Home Insurance (Annual)
-
Cost of Living Index
-
Utilities (Monthly)
-
$0 ✓
Cape Coral
-
$375,000
-
~$3,750 (1%)
-
$150 - $400
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$2,500 - $4,000
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98.5 (Below National Avg)
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$180 - $250
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$0 ✓
Naples (Comparison)
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$675,000 Save 44%
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~$6,750
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$350 - $800
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$3,500 - $6,000
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122.3
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$200 - $300
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$0 ✓
💰 Average Annual Savings vs. Naples: $15,000 - $25,000
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