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Cost of Living Comparison 2026

Data: HUD rent estimates, BLS cost of living

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You'd spend $1.0K/month more in Cape Coral, FL

$150.0K in your current city equals $162.5K in Cape Coral, FL

Rent data from HUD ZIP-level estimates · COL index from Birmingham-Hoover, AL area
Overall Cost
↑ 13.9%
More expensive
Monthly Impact
$1,044
Extra cost
Annual Impact
$12.5K
Per year

Based on monthly living costs (rent, groceries, utilities, transport, healthcare). Home purchase prices shown separately below.

Birmingham, AL

Population:201K
Cost Index:
100
100 = national average
Median Home:$90K

Cape Coral, FL

Population:224K
Cost Index:
114
(14% above avg)
Median Home:$367K

Birmingham, AL

The Heart of Dixie

201K
Population
State Tax
Yes

Located in Alabama, this city has a population of 201K residents.

Cape Coral, FL

The Sunshine State

224K
Population
State Tax
No Income Tax

Located in Florida, this city has a population of 224K residents.

💡 Advantage: Florida has no state income tax!

Cost Breakdown by Category

Annual spending: Birmingham, AL vs Cape Coral, FL

Housing
↑ 21.7%
Birmingham, AL
$1,923
Cape Coral, FL
$2,341
Difference
$418
more
Other
↑ 10.6%
Birmingham, AL
$1,574
Cape Coral, FL
$1,740
Difference
$166
more
Healthcare
↑ 8.7%
Birmingham, AL
$514
Cape Coral, FL
$559
Difference
$44.91
more
Groceries
↑ 4.2%
Birmingham, AL
$959
Cape Coral, FL
$1,000
Difference
$40.55
more
Transportation
↑ 2.8%
Birmingham, AL
$1,202
Cape Coral, FL
$1,236
Difference
$33.53
more
All Utilities
↑ 4.0%
Birmingham, AL
$541
Cape Coral, FL
$563
Difference
$21.86
more

🏛️ Local Income Taxes

Birmingham, AL: Birmingham Occupational Tax$1,500/yr (1.0%)

Cape Coral, FL has no local income tax.

Local taxes are in addition to state income tax. Not all cities levy local income taxes.

🏠Rent Comparison

Studio
From$880
To$900
↑ $20.00
1 Bed
From$990
To$1,063
↑ $73.00
2 Bed
From$1,085
To$1,309
↑ $224
3 Bed
From$1,360
To$1,799
↑ $439
Birmingham, ALZIP-level data

1BR range: $900–$1,580/mo

💡 Note: Rent prices are based on HUD Fair Market Rent data and represent median costs. Actual prices vary by neighborhood, amenities, and condition. Source: HUD Small Area Fair Market Rents FY2026.

$6,713
Monthly in Birmingham, AL
$7,438
Monthly in Cape Coral, FL
$725
Difference

Home Values

Birmingham
Cape Coral
$90K
Median Value
-
↓ -1.7%
YoY Change
-
↑ +16.6%
5-Year Change
-
$57K - $376K
Price Range
-
Calculate payment - Birmingham

Source: Zillow Home Value Index (ZHVI), January 2026

Tax Comparison

Annual tax burden comparison at $150.0K salary

Tax Savings
↑ $7.5K
Per year
Monthly Difference
$622
More take-home
Effective Rate Diff
5.0%
Rate difference

Birmingham, AL

Federal Income Tax
Effective: 18.9%
$25.5K
Alabama State Tax
Effective: 5.0%
$7.5K
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 29.6%
$44.5K
Take-Home Pay
$8,794/month
$105.5K

Cape Coral, FL

Federal Income Tax
Effective: 18.9%
$25.5K
Florida State Tax
No state income tax
$0
FICA Taxes
Social Security + Medicare
$11.5K
Total Taxes
Effective: 24.7%
$37.0K
Take-Home Pay
$9,416/month
$113.0K

Additional Tax Information

Birmingham, AL Tax Rates

Sales Tax:9.1%
Property Tax:0.4%

Cape Coral, FL Tax Rates

Sales Tax:7.2%
Property Tax:0.8%

💡 Note: Tax calculations are estimates based on 2024/2025 tax brackets for single filers with standard deduction. Actual taxes may vary based on filing status, deductions, credits, and local variations.

Environment

Birmingham
Cape Coral
57 Moderate
Air Quality
50 Good
26%
Good Air Days
52.5%
98 High
Climate Risk
99 High
🌊🌡🌪
Top Hazards
🌊🌅🌀
▲+2.5°F
2050 Outlook
▲+2.2°F
41 days
Heat Days >95°F
38 days
▲+2.5°F
2050 Outlook
▲+2.2°F
41 days
Heat Days >95°F
38 days

💰 See how taxes change too — compare take-home pay between Alabama and Florida on TaxTakeHome.com

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