Captiva, Florida.
Typical home $1,195,478 (-3.8% in a year). Cape Coral-Fort Myers, FL metro.
to buy the typical home at today's mortgage rate — +$2,805 (+81%) since Jan 2020.
- 1 year
- Down $46,936 -4%
- $1,242,414$1,195,478 since Sep 2025
- 5 years
- Down $43,618 -4%
- $1,239,096$1,195,478 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Captiva$6,275
- Florida$1,970
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Captiva, FL fell 3.8% over the past year — slower than the nation's +1.2%.
Living in Captiva, Lee County, Florida
Captiva, in Lee County, had 318 people in the 2020 census. Unemployment in Lee County was 5.2% in August 2026, and the county had 0.9% more jobs in 2025 than the year before. The most people in Lee County work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Captiva is a very small island community in Lee County, with far fewer year-round residents than most towns. Homes here are worth much more than is typical, and household incomes in the county sit well below what those home values might suggest. Winters are mild, with January the coolest month and daytime highs still comfortably warm, while summers run hot, with August the warmest. The year brings a good deal of rain.
Work. Residents work mostly in schools, hospitals and social care, along with professional and business services, shops and the building trades. Across Lee County, some of the largest workplaces are LEE Schools, LEE Memorial Hospital and Florida Gulf Coast University. Unemployment across the county has risen a little over the past year, and the number of jobs has grown only slightly.
Things to do. J.N. "Ding" Darling National Wildlife Refuge, a protected area, is a short drive away, as is the Bailey-Matthews National Shell Museum & Aquarium. The Caloosahatchee River is also a short drive away, and Cayo Costa State Park, another protected area, is a longer drive.
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What people in Lee County work in
Employed residents by industry, from the Census survey. Lee County had 301,860 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 75° and lows near 54°; warmest in August, with highs near 92° and lows near 75°. About 57 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Fort Myers Page Field Airport weather station, 21 miles away (NOAA).
Largest employers in Lee County
- Lee Health16,506
- Lee County School District12,264
- Lee County Local Government9,959
- Publix Super Market5,730
- Walmart3,357
- Amazon2,365
- Herc Rentals2,213
- Gartner, Inc.2,000
From Lee County’s annual financial report for 2025, its schedule of principal employers (its source: “Lee County Office of Economic Development, SW Florida Economic Development Alliance, Florida Research and Economic Database, and U.S.…”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- Coastal floodingVery high
- HurricanesVery high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Captiva’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Lee County and the Cape Coral-Fort Myers, FL metro.
Captiva home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Captiva$1,195,478
- Florida$375,361
- United States$366,157
Sellers are cutting prices on about 1 in 12 Captiva listings — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Captiva8.59%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Captiva81
New listings per month
Sellers arriving at the market.
- Captiva7
Zip codes with a Captiva address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Captiva — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.