Can I Afford to Live in Cape Coral vs Pensacola on $80K?
Here's how a $80K/year salary plays out in both cities after taxes, rent, and core living expenses — based on Q1 2026 data.
Monthly budget breakdown
| Expense | Cape Coral FL | Pensacola FL |
|---|---|---|
| Monthly take-home (est.) | $5,057 | $5,057 |
| 1BR rent | $1,750 | $1,300 |
| Groceries (est.) | $372 | $361 |
| Transport (est.) | $48 | $45 |
| Utilities | $198 | $188 |
| Internet | $65 | $60 |
| Left after essentials | $2,624/month | $3,103/month |
Frequently asked questions
Is $80K a good salary in Cape Coral?
At $80K/year in Cape Coral, your estimated monthly take-home is $5,057. With 1BR rent around $1,750/month, rent takes up 35% of your take-home. That's considered manageable.
Is $80K a good salary in Pensacola?
At $80K/year in Pensacola, your estimated monthly take-home is $5,057. With 1BR rent around $1,300/month, rent takes up 26% of your take-home. That's considered comfortable.
Which city is more affordable on a $80K salary?
Pensacola leaves you with more money after core expenses — $3,103/month vs $2,624/month in Cape Coral.
Can I afford to live alone in Cape Coral on $80K?
Yes. At $80K in Cape Coral, rent takes 35% of your take-home, leaving $2,624/month after essentials. Most financial planners recommend keeping rent below 30%.
See the full cost-of-living comparison
Rent, groceries, taxes, transportation, and more — side by side.
Take-home estimates use simplified federal/state brackets and do not account for pre-tax deductions, 401(k), or local taxes. Data: Zillow, BLS, Numbeo · Q1 2026 · For general guidance only