Zip lookup · FL

33904
Cape Coral, Florida.

Cape Coral, Lee County, FL · Cape Coral-Fort Myers, FL metro · population 33,599

What it costs per month · 33904 $1,764/mo

to buy the typical home at today's mortgage rate — +$864 (+96%) since Jan 2020.

What the home itself did
1 year
Down $8,866 -3%
$344,876$336,011 since Sep 2025
5 years
Down $10,809 -3%
$346,820$336,011 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 33904 $1,764 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 33904$1,764
  • United States$1,922

At the last five years' pace, prices here aren't rising.

Typical home values in zip 33904 fell 2.6% over the past year — slower than the nation's +1.2%.

Asking rents in zip 33904 fell 3.6% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 33904 runs $368/mo more than renting one. The gap peaked at $908 in Oct 2023.

That is $2,344 a month against $1,976 rent: a $1,764 mortgage payment, plus $221 property tax and $360 insurance & upkeep.

Owning vs renting — zip 33904

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,000 $2,000 $3,000 2018 2020 2022 2024 2026 Owning all in $2,344 Renting $1,976 Mortgage only $1,764
$1,000 $2,000 $3,000 2018 2022 2026
  • Owning all in$2,344
  • Renting$1,976
  • Mortgage only$1,764

Property tax · $221/mo 0.79% of value a year — the ACS 2020-2024 median bill over the median home value for Lee County, FL

Insurance & upkeep · $360/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Cape Coral, FL — measured over the city limits, which is a different area from this zip.

Asking rent $1,976 as of Sep 2026
-3.6%year on year
Typical home value $336,011 as of Sep 2026
-2.6%year on year

Asking rent — 33904

Against the Cape Coral-Fort Myers, FL metro and the national benchmark.

$1,250 $1,500 $1,750 $2,000 $2,250 2018 2020 2022 2024 2026 33904 $1,976 Cape Coral $1,827 United States $1,932
$1,250 $1,500 $1,750 $2,000 $2,250 2018 2022 2026
  • 33904$1,976
  • Cape Coral$1,827
  • United States$1,932

Typical home value — 33904

Mid-tier homes, smoothed and seasonally adjusted.

$250,000 $300,000 $350,000 $400,000 $450,000 2018 2020 2022 2024 2026 33904 $336,011 Cape Coral $334,479 United States $366,157
$250,000 $300,000 $350,000 $400,000 $450,000 2018 2022 2026
  • 33904$336,011
  • Cape Coral$334,479
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
2.9 33919 Fort Myers 30,412 $1,713 $243,376
3.6 33990 Cape Coral 34,713 $1,860 $320,960
4.6 33914 Cape Coral 45,540 $1,969 $420,552
4.6 33907 Fort Myers 25,033 $1,406 $198,448
5.1 33901 Fort Myers 24,481 $1,463 $256,001
5.5 33991 Cape Coral 27,725 $1,864 $357,634
6.4 33908 Fort Myers 37,423 $1,790 $319,110
7.0 33966 Fort Myers 12,513 $1,750 $333,344
7.7 33903 North Fort Myers 23,655 $1,556 $224,059
7.8 33916 Fort Myers 27,943 $1,556 $210,123
8.0 33912 Fort Myers 19,533 $1,917 $375,507
9.1 33993 Cape Coral 35,580 $2,054 $325,023
9.5 33956 Saint James City 3,405 — $426,662
9.6 33931 Fort Myers Beach 8,350 $2,700 $483,479
10.0 33909 Cape Coral 40,231 $1,814 $292,143
10.9 33967 Fort Myers 28,341 $2,063 $350,847
12.9 33957 Sanibel 6,418 — $799,147
13.0 33905 Fort Myers 41,381 $1,744 $279,385
13.4 33973 Lehigh Acres 14,392 $1,623 $279,997
13.7 33917 North Fort Myers 33,380 $1,802 $289,347
14.5 33922 Bokeelia 4,226 — $356,616
15.8 33924 Captiva 109 — $1,057,842
15.8 33971 Lehigh Acres 30,790 $1,984 $283,484
15.9 33913 Fort Myers 31,538 $1,988 $439,551
16.0 34134 Bonita Springs 16,475 $4,126 $629,422
16.1 33976 Lehigh Acres 20,277 $1,996 $281,755
17.3 33955 Punta Gorda 12,399 $2,086 $326,066
17.5 33928 Estero 31,926 $2,520 $472,556
19.4 34135 Bonita Springs 48,252 $2,614 $456,564

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.