ZIP Code 33909 — Cape Coral city, FL Demographics & Data

ZIP code 33909 covers Cape Coral, FL in Lee County with a population of about 36,917.

At a glance, the area shows median age of 38.0 (near the U.S. median).

It sits in telephone area code 239; U.S. House district FL-19; the FT. MYERS - NAPLES media market.

Median household income in ZIP 33909 is about $79,096 — about 5% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.3%; unemployment rate near 2.8%; 24.6% of adults with a bachelor’s degree or higher (about 9.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Retail trade; about 9.3% of workers reporting work-from-home (about 5.9 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $292,800 — about 16% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,650 (about 42% above the U.S. median rent ($1,163)), and owner-occupancy near 72.5% (about 7.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33909 in Cape Coral, FL, a household would need roughly $81,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,881. That is roughly in line with the local median household income ($79,096). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Cape Coral city, FL as Relatively High (composite score 99.0), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.9) and flood (97.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Cape Coral city, FL show little to no average snow and around 57.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,652 for ZIP 33909 (Cape Coral city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.