CitytisticsShortlist

Cost of living, pay and housing

26.64° N · 81.91° W · GEOID 1240985

Lochmoor Waterway Estates

Lee County, Florida · part of the Cape Coral, FL metro

FloridaLochmoor Waterway Estates, FLLochmoor Waterway EstatesLochmoor Waterway Estates

The short answer

Lochmoor Waterway Estates is home to 6,511 people. Median household income is $97,667 a year and median rent is $2,014 a month, 24.7% of income (a ratio of two medians, not any one household's burden). Rent pressure is lighter than in most places. The median home is valued at $386,200, about 4.0x annual median household income.

The story in Lochmoor Waterway Estates is how fast things are changing. Housing became less affordable between 2019 and 2024: rent went from 21.8% to 24.7% of income. Also notable: Home value growth is 13.4% a year, against 9.2% a year in its closest peers.

20OF 100

CTXCitytistics Index

Weak

Lochmoor Waterway Estates scores better than 20% of the 6,612 places we rate, and ranks 289th of 474 in Florida.

How the CTX is built

Category ratings · 0 to 100, typical place 50

Affordability 20%34
Economy 20%68
Safety 20%n/a
Amenities 15%2
Education 10%65
Commute 10%17
Growth 5%n/a

Not rated: safety, growth, for want of data (the city police department does not report a full year to the FBI). The other weights are spread over the categories rated.

Median gross rent
$2,014
48% above the median place
Median household income
$97,667
22% above the median place
Median home value
$386,200
21% above the median place
Unemployment
4.1%
16% below the median place

Compared with the median of the 6,645 places we track. The bundle was checked 2026-11-14; each measure may refer to an older release.

What stands out about Lochmoor Waterway Estates

  • HousingOwning with a mortgage costs only about $183 a month more than the median rent, a smaller gap than in 85% of the 2,469 places under 10,000 people we track.
01

Moving to Lochmoor Waterway Estates

Lee County gains about 7.9 residents per 1,000 a year to moves between counties.

Moved in46,714
Moved out41,815
Net+4,899

Where people come from and where they go, top counties

Within Florida, other states or abroad

Arrivals
Leavers
Within FloridaOther statesAbroad

Income per tax return

Arrivals$124K
Leavers$85K

People on tax returns who moved between counties, from IRS migration data, 2022 to 2023. Figures are for all of Lee County; flows under 20 returns are not published.

Who moves here
5.5% of residents arrived from another county in the past year, 4.1% from another state.
Who arrives and who leaves
Households moving into Lee County report $123,700 a year in income on average; those leaving, $85,000, so newcomers earn more than leavers.
Income you would need
$80,600 a year to rent the median home at the 30% line. From your city
Rent or buy
Median rent is $2,014 a month; owners with a mortgage pay $2,197 a month including taxes and insurance, on a median home of $386,200.
Getting to work
32 minutes each way on average; 21.6% work from home.
If it is close but not quite
North Merritt Island, FL matches it on character for less of your income. Compare the two
Moved here in the past year1
5.5%
4% below the median place
Income of households moving in7
$123,695
75% above the median place
Moved from another state1
4.1%
105% above the median place
All 5 moving measures
MeasureLochmoor Waterway EstatesAmong 6,645 placesVs median
Moved here in the past year15.5%4% below
Moved from another state1County figure4.1%105% above
Net movers per 1,000 people7County figure7.9above (median -0.6)
Income of households moving in7County figure$123,69575% above
Income of households moving out7County figure$84,97121% above
02

What it costs to live here

30% of renter households spend 30% or more of income on rent, a lower share than in 93% of the 2,214 places under 10,000 people we track.

Lochmoor Waterway Estates24.7%
Typical place20.4%

Share of the median household income that goes to the median rent. Above 30% is the usual stress line.

Income needed to rent
$80,560
a year, at the 30% line
Rent to income
24.7%
21% above the median place
Home price to income
4.0x
4% above the median place

Could you afford it?

The median rent would take
25%
comfortably under the 30% line
Left after rent, in US prices
$75,600
a year
Vs the typical household here
Same
as the median household

Uses the median rent in Lochmoor Waterway Estates, $2,014 a month, and local prices for everything else (97.7 against a US average of 100). It runs in your browser and stores nothing.

Like Lochmoor Waterway Estates, but easier on the budget

Places that match Lochmoor Waterway Estates on character (size, age, education, homeownership, household size, housing age, remote work and climate) but where rent takes a clearly smaller share of income. Cost was left out of the match on purpose.

PlaceMatchRent to incomeMore left a year
North Merritt Island, FL9514.6% vs 24.7%$16,600Compare
Safety Harbor, FL9219.6% vs 24.7%$14,500Compare
Bear Valley Springs, CA9214.3% vs 24.7%$24,900Compare
Palm City, FL9119.2% vs 24.7%$29,100Compare

Moving from somewhere else? Work out the salary you would need in Lochmoor Waterway Estates.

Sponsored · exampleMoving to Lochmoor Waterway Estates? Compare quotes from licensed movers. No partner is signed yet. Sponsored offers are always labelled and never change the data.
Renters paying 30%+1
29.8%
41% below the median place
Homeownership1
86.0%
30% above the median place
Vacant homes1
12.6%
78% above the median place
All 16 cost and housing measures
MeasureLochmoor Waterway EstatesAmong 6,645 placesVs median
Median gross rent1$2,01448% above
Rent to income124.7%21% above
Property tax rate10.7%24% below
Home price to income14.0x4% above
Prices vs US average2Metro figure102.31% above
Fair market rent, 2 bedrooms3County figure$1,83514% above
HUD area median income4County figure$105,7001% below
Property tax paid (median)1$2,66518% below
Median home value1$386,20021% above
Home prices, 1-year change5County figure-6.7%below (median 3.2%)
Home prices, 5-year change5County figure48.5%6% below
Homeownership186.0%30% above
Renters paying 30%+129.8%41% below
Owner costs with a mortgage1$2,19717% above
Vacant homes112.6%78% above
Median year built119860% above
03

Work and pay

Commutes by transit is 0.0%, below the median place (median 0.8%).

Commutes by transit1
0.0%
below the median place (median 0.8%)
Mean commute1
32 min
27% above the median place
Works from home1
21.6%
74% above the median place

More on work and pay, against the typical place

Income per person$52,591 +31%
Unemployment4.1% −16%
Median household income$97,667 +22%
Poverty rate9.6% −11%
All 10 work and pay measures
MeasureLochmoor Waterway EstatesAmong 6,645 placesVs median
Median household income1$97,66722% above
Income per person1$52,59131% above
Unemployment14.1%16% below
Average annual pay6County figure$63,7043% below
Pay growth, 1 year6County figure3.5%5% below
Jobs6County figure301,860100% above
Poverty rate19.6%11% below
Mean commute132 min27% above
Works from home121.6%74% above
Commutes by transit10.0%below (median 0.8%)
04

Who lives here

The median resident is 53 years old, older than in 95% of the 2,479 places under 10,000 people we track.

Median age1
53.0
36% above the median place
High school or higher1
94.4%
2% above the median place
Bachelor's or higher1
39.8%
24% above the median place

More about who lives here, against the typical place

Household size2.4 −3%
Born abroad9.8% +11%
Homes with broadband92.4% +0%
No health insurance6.6% +3%
All 8 people measures
MeasureLochmoor Waterway EstatesAmong 6,645 placesVs median
Population16,5115651st largest
Median age153.036% above
Bachelor's or higher139.8%24% above
High school or higher194.4%2% above
Household size12.43% below
Born abroad19.8%11% above
No health insurance16.6%3% above
Homes with broadband192.4%0% above
05

Life in Lochmoor Waterway Estates

The nearest National Park Service site is Big Cypress National Preserve, about 69 miles away.

58 sites are on the National Register of Historic Places. Its history on Wikipedia

Out the door, against the typical place

Parks per 10k residents3.1 −70%
Playgrounds per 10k3.1 −67%
Grocery stores per 10k0.0 −100%
Restaurants, cafes and bars per 10k0.0 −100%
Libraries per 10k0.0 −100%
Named paths and bike trails0 km −100%
Bus and rail stops per sq mi0.0 −100%

Mapped by volunteers in OpenStreetMap inside the city limits (Census boundaries), so coverage is fuller in some places than others. Map data © OpenStreetMap contributors, ODbL.

National Park Service sites nearby

  • Big Cypress National Preserve 69 miles
  • De Soto National Memorial 76 miles
  • Everglades National Park 119 miles

Businesses per 10,000 residents (county figures)

Restaurants and bars18.1 −13%
Shops32.0 +6%
Arts, recreation and fitness4.5 +10%
Doctors' offices and clinics21.6 +7%
Child care centers1.5 −35%

Counts businesses with paid staff, so small owner-run shops are not included.

Nearest National Park Service site10
69.3
125% above the median place
Public school students12
102,506
above the median place (median 4,897)
Child care centers per 10k8
1.5
35% below the median place
All 18 schools and local life measures
MeasureLochmoor Waterway EstatesAmong 6,645 placesVs median
Public schools12County figure119above (median 9)
Public school students12County figure102,506above (median 4,897)
Students per teacher12County figure20.734% above
Restaurants and bars per 10k8County figure18.113% below
Shops per 10k8County figure32.06% above
Arts, recreation and fitness per 10k8County figure4.510% above
Doctors' offices and clinics per 10k8County figure21.67% above
Child care centers per 10k8County figure1.535% below
Parks per 10k93.170% below
Playgrounds per 10k93.167% below
Grocery stores per 10k90.0below (median 2.1)
Restaurants, cafes and bars per 10k90.0below (median 11.2)
Libraries per 10k90.0below (median 0.9)
Named paths and bike trails90.0below (median 2.0)
Transit stops per sq mi90.0below (median 0.2)
Nearest National Park Service site1069.3125% above
National Park Service sites within 60 miles100below (median 2)
National Register listings11County figure58346% above
06

Safety, weather and risk

Hurricane risk is 99.9, 41% above the median place.

No crime figure yet. Either the city police department did not report to the FBI for the latest year, or our monthly fetch has not reached Lochmoor Waterway Estates. Larger places are fetched first.

Hurricane risk14
99.9
41% above the median place
January average low13
53°F
111% above the median place
Average temperature13
75°F
36% above the median place
All 11 weather and risk measures
MeasureLochmoor Waterway EstatesAmong 6,645 placesVs median
July average high13County figure92°F6% above
January average low13County figure53°F111% above
Average temperature13County figure75°F36% above
Annual precipitation13County figure52.9 in21% above
Natural hazard risk14County figure99.07% above
Hurricane risk14County figure99.941% above
Tornado risk14County figure87.57% above
Wildfire risk14County figure96.658% above
Heat wave risk14County figure93.23% above
Median air quality index15County figure407% below
Good air days15County figure76.4%12% above
08

Lochmoor Waterway Estates in 2030: where the trends point

If recent trends hold, the median rent will take about 25% of the median income in 2030, about the same as 25% now.

Citytistics projections to 2030: each figure's own trend, blended with the typical trend across the places we rate, eased toward long-run US growth and carried forward from the latest release. The range is where 80% of places landed when we tested the same method on past releases. On projected 2030 affordability, Lochmoor Waterway Estates does better than 32% of places. Its projected home value growth beats 89%.

MeasureLatest2030 projectionLikely rangeAvg. per year
Median rent$2,014/mo (2024)$2,640/mo$2,160 to $3,210/mo+4.6%
Median household income$97,667 (2024)$125,500$106,500 to $149,000+4.3%
Median home value$386,200 (2024)$575,000$417,000 to $792,000+6.9%

The median home would be worth 4.6 years of the median income in 2030, against 4.0 now.

A projection of recent trends, not a prediction of the economy or advice to buy or sell. How we project.

09

Places like Lochmoor Waterway Estates

The closest matches on income, rent, home value, education and age, and the places nearby.

PlaceRentIncome
Whiskey Creek, FL$1,814$104,476Compare
Westchester, IL$1,794$98,954Compare
Delray Beach, FL$1,961$82,041Compare
South Patrick Shores, FL$2,054$85,660Compare
South Patrick Shores, FLDelray Beach, FLWestchester, ILWhiskey Creek, FLLochmoor Waterway Estates, FLLochmoor Waterway EstatesWhiskey CreekWestchesterSouth Patrick ShoresLochmoor Waterway EstatesWhiskey CreekWestchesterSouth Patrick Shores

Places built like Lochmoor Waterway Estates

Its statistical peers: the closest matches on size, age, education, homeownership, household size, housing age, origin and remote work, in the same part of the country. Cost and outcomes are left out of the match, so the table shows how Lochmoor Waterway Estates performs against places like it.

PlaceRent to incomeIncome growthPop. change
Lochmoor Waterway Estates, FL24.7%9.6%/yrn/a
North Merritt Island, FL14.6%3.9%/yrn/aCompare
Islamorada, Village of Islands, FL25.9%1.1%/yr-2.4%Compare
Carolina Beach, NC19.2%4.7%/yr4.5%Compare
Lake of the Woods, VA19.4%6.3%/yrn/aCompare
Lake Norman of Catawba, NC14.0%8.1%/yrn/aCompare
St. Augustine Shores, FL33.9%9.0%/yrn/aCompare

Common questions

Is Lochmoor Waterway Estates a good place to live?

It depends on what you need, so here is what the numbers say. Its Citytistics Index is 20 out of 100, better than 20% of the places we rate and 289th of 474 in Florida. Owning with a mortgage costs only about $183 a month more than the median rent, a smaller gap than in 85% of the 2,469 places under 10,000 people we track. On cost, space and class size it scores 52 out of 100 for families. See how it ranks with your own weights.

Is Lochmoor Waterway Estates expensive to live in?

The median rent takes 24.7% of the median household income, against 20.4% in the typical place we track. Housing is a heavier load here than usual. The median home is valued at $386,200.

What salary do you need to live in Lochmoor Waterway Estates?

To rent the median home without spending more than 30% of income on rent, a household needs about $80,560 a year. Work it out from your current city.

What places are similar to Lochmoor Waterway Estates?

On income, rent, home value, education and age, the closest matches are Whiskey Creek, FL, Westchester, IL, Delray Beach, FL and South Patrick Shores, FL.

Sources and methods

The small numbers beside each measure point here. Every dataset is public; links go to the publisher.

  1. American Community Survey 5-year estimates · US Census Bureau · 2020 to 2024 estimatesTables B01002, B01003, B05002, B07003, B08013, B08301, B15003, B17001, B19013, B19301, B23025, B25002, B25003, B25010, B25035, B25064, B25070, B25077, B25088, B25103, B28002, S2701
  2. Regional Price Parities · US Bureau of Economic Analysis · Latest release, retrieved 2026-11-14
  3. Fair Market Rents · US Department of Housing and Urban Development · Fiscal year 2027
  4. Income Limits · US Department of Housing and Urban Development · Fiscal year 2026
  5. House Price Index · Federal Housing Finance Agency · Latest release, retrieved 2026-11-14
  6. Quarterly Census of Employment and Wages · US Bureau of Labor Statistics · 2025 annual averages
  7. SOI Tax Stats, county-to-county migration · Internal Revenue Service · Tax years 2022 to 2023Counts tax returns and the people on them; flows under 20 returns are suppressed.
  8. County Business Patterns · US Census Bureau · 2023 data
  9. OpenStreetMap · © OpenStreetMap contributors, available under the Open Database License (ODbL) · Map data as of 2026-11
  10. National Park Service sites · Wikidata (CC0), units operated by the National Park Service · Retrieved 2026-11
  11. National Register of Historic Places · National Park Service · Listings through 2026-05-22
  12. Common Core of Data · National Center for Education Statistics · 2024 release
  13. 1991-2020 climate normals · NOAA National Centers for Environmental Information · Series updated 2026-11-05Averages for 1991 to 2020 computed from NOAA's county climate series (nClimDiv).nClimDiv county series
  14. National Risk Index · Federal Emergency Management Agency · Latest release, retrieved 2026-11-14NRI data and maps
  15. Air Quality System, annual AQI by county · US Environmental Protection Agency · 2025 dataAirData download files

Derived by Citytistics from the tables above: rent to income (B25064, B19013); property tax rate (B25103, B25077); home price to income (B25077, B19013).

What stands out compares Lochmoor Waterway Estates with places of a similar size, using only figures measured for Lochmoor Waterway Estates itself; county and metro figures never count. Survey figures are estimates with margins of error. Formulas and definitions: methodology. API: /api/v1/places/lochmoor-waterway-estates-florida

Citytistics. “Lochmoor Waterway Estates, Florida.” Data as of 2026-11-14. https://www.citytistics.com/city/lochmoor-waterway-estates-florida/

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.