Reasons to Move to Cape Girardeau County, Missouri

Cape Girardeau County, Missouri, offers a unique blend of small-town charm and modern convenience, making it an appealing choice for those considering a move. The county’s central location along the Mississippi River and its proximity to larger cities like St. Louis and Memphis provide residents with a balance of rural tranquility and access to metropolitan amenities. Cape Girardeau, the county seat, boasts a rich history, evident in its downtown area and local landmarks, while offering a robust economy driven by education, healthcare, and retail. With a cost of living well below the national average and a variety of housing options, Cape Girardeau County is an attractive option for families, professionals, and retirees alike.

What sets Cape Girardeau County apart is its exceptional blend of outdoor recreation and community spirit. The area is known for its parks, trails, and the nearby Conservation Area, making it an ideal destination for those who enjoy hiking, boating, or fishing. Cape Girardeau also boasts a strong educational system with Southeast Missouri State University providing cultural and intellectual enrichment. Whether you’re drawn to the rich historical heritage, the natural beauty, or the active local lifestyle, there’s much to explore and consider. The county’s well-rounded offerings create a community where you can thrive both personally and professionally—making it well worth a deeper look as you consider your next move.

Cost to Move to Cape Girardeau County, Missouri

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Cost of living in Cape Girardeau County, Missouri

Housing Costs

The median home price in Cape Girardeau County, Missouri, is approximately $173,000 as of 2024. This is significantly lower than the national median of around $400,000, offering an affordable entry point for buyers. Rent prices are also relatively low. A one-bedroom apartment in the city typically rents for around $750 per month, while a three-bedroom apartment averages about $1,100 per month. These prices make Cape Girardeau County an attractive location for renters and buyers seeking affordable housing options. The local housing market has remained stable, with slight appreciation in home values over the past few years.

For those considering purchasing a home, the monthly mortgage payment for a median-priced home with a 30-year fixed-rate mortgage at an interest rate of around 6.5% would be roughly $1,100. However, mortgage rates can vary depending on your credit score, down payment, and lender. Property taxes in Cape Girardeau County are also relatively low, with an average rate of 0.67% of the assessed value, which is well below the national average of 1.07%.

Source: Zillow Home Values

Utilities

The average cost of utilities for a 915-square-foot apartment in Cape Girardeau County is approximately $150 to $180 per month. This includes electricity, heating, cooling, water, and garbage services. Electric rates in Missouri are around 11.5 cents per kWh, which is fairly typical compared to the national average of 13.1 cents per kWh. Gas prices for heating tend to vary, but the average monthly bill for heating during the winter months can range from $70 to $120. Internet services average around $60 to $80 per month, depending on the provider and speed selection.

Source: Numbeo Cost of Living Data

Groceries/Food

The cost of groceries in Cape Girardeau County is about 7-10% lower than the national average. For example, the cost of a gallon of milk is around $2.50, and a loaf of bread is about $1.50. Fresh produce like apples and bananas typically cost $1.50 per pound and $0.60 per pound, respectively. For those who prefer dining out, a mid-range three-course meal for two people will cost between $35 and $50 in Cape Girardeau. Many residents also take advantage of local farmer’s markets, which offer fresh produce at competitive prices, especially during the warmer months.

Source: BestPlaces Cost of Living

Transportation

The cost of transportation in Cape Girardeau County is relatively low. Gas prices in the area average around $3.10 per gallon as of January 2025. The average commuter in Cape Girardeau County spends about $1,200 annually on gas, depending on their driving habits. Public transportation is limited, with the Cape Girardeau Transit Authority offering bus services for about $1.50 per ride, or $30 for a monthly pass. For those with cars, car insurance premiums average around $1,100 per year, which is lower than the national average.

Source: City-Data

Healthcare

The average cost of healthcare in Cape Girardeau County is relatively affordable, with a visit to a general practitioner costing between $100 and $150. Prescription medications generally cost less than in larger cities, with an average price of around $10-$30 for generic medications. Health insurance premiums vary based on coverage, but the average annual premium for an individual in Missouri is about $6,200, or around $500 per month. This is slightly lower than the national average for similar coverage.

Source: Healthcare.gov

Childcare and Education

Childcare in Cape Girardeau County is affordable relative to national averages. The average monthly cost for full-time daycare for an infant ranges between $600 and $750, while for older children it’s around $450 to $600. The public school system in Cape Girardeau offers quality education, with no significant additional costs for attending. For families seeking higher education, Southeast Missouri State University provides tuition costs of around $9,000 per year for in-state students, which is lower than the national average for state universities.

Source: Niche – Southeast Missouri State University

Taxes

The state of Missouri has a state income tax rate that ranges from 1.5% to 5.4% based on income level. The average sales tax rate in Cape Girardeau County is 7.23%, which includes both state and local taxes. This is slightly above the national average, but still in a moderate range. Property taxes are relatively low in the county, with an effective tax rate of about 0.67% of a home’s assessed value, which is lower than the national average of 1.07%. Overall, the tax burden in Cape Girardeau County is relatively manageable for most residents.

Source: Tax-Rates.org

Insurance

The cost of homeowner’s insurance in Cape Girardeau County averages around $1,100 per year, which is lower than the national average of $1,300 per year. Car insurance premiums for residents average $1,100 annually, depending on factors like the type of vehicle and driving history. Health insurance premiums for individuals in Missouri are slightly below the national average, with rates ranging between $300 and $500 per month for a standard plan. These affordable insurance rates contribute to the lower overall cost of living in the area.

Source: ValuePenguin

Recreation and Entertainment

The cost of recreation and entertainment in Cape Girardeau County is relatively affordable. A movie ticket typically costs around $10, while gym memberships can range from $25 to $50 per month. Local parks and outdoor activities such as hiking, fishing, and boating are available at minimal cost, with some activities requiring only a state park pass or a small fee for equipment rental. For those seeking more organized entertainment, a family outing to a local sports event or theater performance may cost around $40 to $70 for tickets.

Source: City of Cape Girardeau Parks and Recreation

Clothing

The cost of clothing in Cape Girardeau County is similar to the national average. A pair of jeans typically costs between $30 and $50, while a pair of athletic shoes averages $50 to $80. For those shopping at local retailers, clothing prices are competitive, with sales and discounts offered regularly. Local department stores and outlets help keep costs lower for families looking to update wardrobes without breaking the bank.

Source: Numbeo Cost of Living Data

Personal Care

Personal care costs in Cape Girardeau County are affordable. A basic haircut for men or women typically costs between $15 and $25. Monthly visits to the dentist for routine care average around $80 to $150, depending on the services provided. Hair salons and other personal care services are similarly priced at the lower end of national averages.

Source: Numbeo Cost of Living Data

Miscellaneous Expenses

Miscellaneous expenses in Cape Girardeau County, such as household items, entertainment, and other personal purchases, tend to be lower than the national average. Monthly expenses for things like home goods or electronics can be approximately 5-15% cheaper than in larger cities. Dining out, shopping, and other lifestyle costs remain affordable, which contributes to the county’s overall low cost of living.

Source: BestPlaces Cost of Living

Is Cape Girardeau County, Missouri a safe place to live – Crime Rates?

Crime Rate

Cape Girardeau County has a relatively low crime rate compared to national averages. According to recent data, the overall crime rate in Cape Girardeau is about 20% lower than the national average. Specifically, the county reports around 2,200 total crimes per 100,000 people, which includes both violent and property crimes. This figure is in line with smaller, rural areas where crime tends to be less frequent compared to larger metropolitan areas. However, like any area, crime rates can fluctuate, so it’s important to stay informed about neighborhood-specific data.

Source: NeighborhoodScout – Crime Data

Violent Crime Rate

The violent crime rate in Cape Girardeau County is significantly lower than the national average. As of 2023, violent crimes (such as murder, rape, robbery, and aggravated assault) are reported at approximately 300 incidents per 100,000 residents, which is roughly half the national average of 400 incidents per 100,000. This suggests that violent crime is not a major concern for most residents of Cape Girardeau County. Of note, Cape Girardeau city itself experiences higher crime rates compared to the surrounding rural areas, but the overall violent crime rate remains moderate and is relatively low for a region of its size.

Source: City-Data – Cape Girardeau Crime Statistics

Property Crime Rate

The property crime rate in Cape Girardeau County is higher than the violent crime rate, but still below the national average. Property crimes, which include burglary, larceny-theft, motor vehicle theft, and arson, occur at a rate of around 1,500 incidents per 100,000 residents. This is lower than the national average for property crimes, which is approximately 2,100 incidents per 100,000 residents. In general, property crime is more common in urban areas like Cape Girardeau city, but rural communities experience far fewer property-related offenses.

Source: NeighborhoodScout – Crime Data

Police Presence

Cape Girardeau County is served by several law enforcement agencies, including the Cape Girardeau Police Department and the Cape Girardeau County Sheriff’s Office. The police presence is generally considered adequate for the county’s population of around 80,000 people. There are multiple patrol officers and specialized units, such as a traffic unit and detectives, focused on crime prevention. The city of Cape Girardeau has its own dedicated police force, while the county sheriff’s office covers the unincorporated areas. With both city and county departments working together, there is a strong network of law enforcement across the area.

Source: City of Cape Girardeau Police Department

Neighborhood Watch Programs

Cape Girardeau County supports active neighborhood watch programs, especially in suburban and rural areas. These programs are designed to involve residents in crime prevention efforts by encouraging vigilance and communication with local law enforcement. The city of Cape Girardeau has several organized neighborhood watch groups, and participation is encouraged to enhance community safety. Residents are urged to report suspicious activities, which has led to increased collaboration between the police and the community. These programs are part of a broader crime prevention strategy aimed at making neighborhoods safer.

Source: Cape Girardeau Community Watch

Safety Rankings

Cape Girardeau County ranks relatively well for safety within Missouri. According to recent safety rankings, Cape Girardeau is considered a safer place to live than many other comparable cities in the state. It ranks in the top 50% for overall safety, based on factors like property crime, violent crime, and law enforcement resources. However, safety can vary by neighborhood, with some urban areas of Cape Girardeau having slightly higher crime rates compared to surrounding rural regions. Nevertheless, it is generally regarded as a safe place to live, especially for those seeking a quieter lifestyle outside the urban core.

Source: SafeHome – Missouri Safety Rankings

Trend Data

Crime trends in Cape Girardeau County show a general decline in both violent and property crimes over the past five years. For example, violent crime rates have decreased by 5% since 2020, while property crimes have decreased by 7% over the same period. This indicates that the local law enforcement agencies’ strategies to combat crime are effective, and the county is trending toward becoming a safer community. The ongoing efforts in crime prevention and community engagement contribute to the reduction in crime rates.

Source: Missouri State Highway Patrol – Crime Statistics

School Safety

School safety in Cape Girardeau County is a priority for local school districts. The Cape Girardeau Public Schools District, for example, has implemented several safety measures, including school resource officers (SROs) at middle and high schools, security cameras, and active shooter drills. The district also collaborates with local police departments to ensure students and staff are safe. Recent surveys indicate that most students and parents feel safe at school, with significant efforts being made to address any security concerns. The district’s commitment to safety reflects in their proactive measures and the presence of law enforcement personnel on campus during school hours.

Source: Cape Girardeau Public Schools – School Safety

What are the demographics of Cape Girardeau County, Missouri?

White

The majority of the population in Cape Girardeau County is White, comprising approximately 85.3% of the total population as of the 2020 census. This is consistent with the broader demographic trends seen across many rural and semi-urban areas of Missouri, where White individuals make up the largest racial group. The White population includes individuals of various ethnic backgrounds, but the overwhelming majority identify as non-Hispanic White.

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Black or African American

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Hispanic or Latino

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Two or More Races

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Asian

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Native American

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Native Hawaiian or Pacific Islander

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Sources

Cape Girardeau County, Missouri Population by Age and Gender

The total population of Cape Girardeau County, Missouri is approximately 80,000 people as of the 2020 census. This population is spread across a mix of urban and rural areas, with the largest concentration in the city of Cape Girardeau, the county seat. The population has been growing steadily over recent years, with both natural growth and migration contributing to the overall increase.

Total Population by Gender

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Age Distribution

 

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Median Age

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Sex Ratio

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Marital Status by Age and Gender

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Sources

Cape Girardeau County, Missouri Zip Codes

Cape Girardeau County, Missouri, primarily has the following ZIP codes:

  • 63701 (Cape Girardeau)
  • 63703 (Cape Girardeau)
  • 63730 (Appleton, Cape Girardeau)
  • 63733 (Benton)
  • 63738 (Chaffee)
  • 63741 (Farrar)
  • 63743 (Gipsy)
  • 63744 (Jackson)
  • 63745 (Kelso)
  • 63747 (Lenzburg)
  • 63748 (Millersville)
  • 63750 (Oak Ridge)
  • 63751 (Perkins)
  • 63752 (Perryville)
  • 63755 (Sedgewickville)
  • 63757 (Scott City)
  • 63760 (Whitewater)

This ZIP code covers the majority of the Cape Girardeau County, Missouri area.

What is the history of Cape Girardeau County, Missouri?

History of Cape Girardeau County, Missouri

The history of Cape Girardeau County, Missouri, dates back to the early 19th century, with its origins tied to the settlement of the Mississippi River valley. The area was originally inhabited by various Native American tribes, including the Osage and the Shawnee. The first European settlers arrived in the region in the late 1700s, attracted by the fertile lands along the river. The city of Cape Girardeau, the county seat, was founded in 1793 by French-Canadian fur trader and military officer, Jean Baptiste de Girardot. The town was named after Girardot, who established a small trading post at the site, taking advantage of the natural harbor formed by the river’s bend, which is why the area became known as “Cape Girardeau”—cape referring to the landform and Girardeau as the founder’s name.

The city quickly grew as a hub for river trade, with steamboats regularly stopping at Cape Girardeau to transport goods and people. By the early 1800s, Cape Girardeau was established as a vital river port in the region, attracting settlers from all over the United States. In 1821, Missouri became a state, and Cape Girardeau County was officially established, with the city of Cape Girardeau remaining as its commercial and political center. As the county developed, agriculture became an increasingly important part of the local economy, with cotton, tobacco, and grain being the primary crops cultivated by settlers in the area.

During the Civil War, Cape Girardeau was a strategic location due to its position along the Mississippi River. The city and surrounding areas were the site of several skirmishes, with Union forces occupying the area to protect river traffic and prevent Confederate advances. The Battle of Cape Girardeau in 1863 was one of the most significant engagements in the region, where Union forces successfully repelled a Confederate attack. Following the war, Cape Girardeau experienced steady growth, with the completion of railroads in the late 1800s further boosting the economy and connecting the town to other parts of Missouri and the United States.

In the 20th century, Cape Girardeau County continued to grow and evolve. The establishment of Southeast Missouri State University in 1873 provided the region with a hub for higher education and helped transform Cape Girardeau into a cultural and intellectual center in the southeastern part of the state. Throughout the 20th century, Cape Girardeau County saw a transformation from an agricultural-based economy to a more diverse economy, with sectors such as healthcare, education, and retail becoming dominant employers in the region.

Today, Cape Girardeau County is a thriving community that blends its rich historical roots with modern development. The city of Cape Girardeau serves as the heart of the county, offering a mix of historical landmarks, museums, and cultural attractions while also being home to a diverse population. The county’s history continues to play an important role in its identity, with many local landmarks and historical sites still preserved for future generations to explore.

Sources

Cape Girardeau County, Missouri Weather

Average Temperature (by Month)

  • January: 34°F (1°C)
  • February: 38°F (3°C)
  • March: 47°F (8°C)
  • April: 57°F (14°C)
  • May: 67°F (19°C)
  • June: 77°F (25°C)
  • July: 81°F (27°C)
  • August: 79°F (26°C)
  • September: 72°F (22°C)
  • October: 59°F (15°C)
  • November: 47°F (8°C)
  • December: 36°F (2°C)

Source: The Weather Channel – Monthly Weather Data

Precipitation Patterns

Source: US Climate Data – Cape Girardeau Precipitation

Extreme Weather Events

Source: NOAA – Severe Weather Data

Humidity Levels

Source: US Climate Data – Cape Girardeau Humidity

Sunlight

Source: US Climate Data – Cape Girardeau Sunlight

Wind Patterns

Source: The Weather Channel – Wind Data

Comparison to Missouri and National Averages

Source: The Weather Channel – Weather Overview

Sources

Average Income in Cape Girardeau County, Missouri

Average Annual Salary

Source: U.S. Census Bureau – Cape Girardeau County Income Data

Average Hourly Wage

Source: U.S. Bureau of Labor Statistics – Missouri Regional Data

Median Salary Range

Source: U.S. Census Bureau – Cape Girardeau County Median Income

Most Popular Jobs/Careers

  • Healthcare: Registered nurses, medical assistants, and physicians are among the most common roles in the region, driven by the presence of local hospitals and healthcare centers.
  • Education: Teachers, particularly at the primary, secondary, and post-secondary levels, make up a significant portion of the workforce, largely due to the presence of Southeast Missouri State University.
  • Retail and Sales: Sales associates, cashiers, and retail managers are prevalent due to the area’s retail environment, including large shopping centers and local businesses.

Source: Indeed – Cape Girardeau Employment Data

Highest Paid Jobs in the Area

Source: ZipRecruiter – Cape Girardeau Salary Data

Comparison to Missouri and National Averages

Source: U.S. Bureau of Labor Statistics – Regional Data

Sources

Taxes in Cape Girardeau County, Missouri

Property Taxes

Source: Tax-Rates.org – Cape Girardeau County Property Tax

Sales Taxes

Source: Tax-Rates.org – Missouri Sales Tax Rates

Income Taxes

Source: Missouri Department of Revenue – Income Tax FAQ

Utility Taxes

Source: UtilityRate – Missouri Utility Rates

Hotel Occupancy Tax

Source: City of Cape Girardeau – Finance Department

Entertainment Taxes

Source: Missouri Department of Revenue – Sales Tax Information

Tax Payment Schedule

Source: City of Cape Girardeau – Finance Department

Penalties for Late Payment

Source: Missouri Department of Revenue – Penalties

Where to Pay

Source: City of Cape Girardeau – Finance Department

Sources

Is Cape Girardeau County, Missouri a Good Place to Live for Singles?

Events and Activities

Cape Girardeau Arts Council events, which feature art shows, concerts, and community celebrations. The Cape Girardeau Chamber of Commerce also organizes networking events, such as business mixers and social gatherings, perfect for meeting new people. Additionally, Cape Girardeau Parks and Recreation offers recreational events, outdoor activities, and fitness classes for singles looking to engage with the community.

Gyms

Housing

Zillow Cape Girardeau Rentals for a range of rental properties available in the area.

Percentage of Single Residents

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Comparison to Missouri and National Averages

Sources

Is Cape Girardeau County, Missouri Good for Families?

Cape Girardeau County, Missouri is a great place for families, offering a low crime rate, affordable housing, and ample employment opportunities. The county provides a mix of suburban and rural living, with parks and family-friendly activities to enjoy year-round. Families can expect a cost of living well below the national average, with housing costs being significantly lower than in larger cities. The area’s employment opportunities are diverse, especially in healthcare, education, and retail sectors, contributing to a stable and growing local economy. Additionally, the moderate weather and low crime rate make it an appealing location for families looking for a safe and affordable environment to live and thrive in.

Parks and Family Activities

Cape Girardeau Parks and Recreation system features numerous parks, including Farmington Park, which has playgrounds, walking trails, and a fishing lake, making it perfect for family outings. The Fountain Park offers even more recreational facilities, including a splash pad, perfect for hot summer days. Additionally, Visit Cape hosts various community events, including outdoor movie nights, festivals, and fairs, which are family-friendly and provide a chance to enjoy the local culture together.

Restaurants

Housing

Zillow Cape Girardeau.

Percentage of Family Residents

Source: U.S. Census Bureau – Cape Girardeau County Demographics

Comparison to Missouri and National Averages

Sources

How are the schools in Cape Girardeau County, Missouri?

Pre-K Schools

Cape Girardeau Public Schools Early Childhood Program provides a high-quality pre-K education with a focus on social, emotional, and academic development. The district’s program is highly rated and designed to prepare children for kindergarten, offering a comprehensive curriculum that incorporates both play-based learning and structured academic content. In addition to public programs, several private pre-K schools are available, offering varied curricula and tuition rates.

Kindergarten Schools

Cape Girardeau Public Schools provides full-day kindergarten at all of its elementary schools, focusing on foundational literacy and numeracy skills, as well as social development. The schools in the district have a strong reputation for their dedicated teaching staff and solid student outcomes, with academic achievements consistently above the state average. Cape Girardeau has several other elementary schools, including Jefferson Elementary and Blanchard Elementary, both of which offer excellent kindergarten programs.

Elementary Schools

Central Elementary School is known for its strong academic programs and engaged community. The school has received positive reviews from parents for its comprehensive approach to teaching, with programs in arts, music, and physical education alongside core subjects like math, reading, and science. Other notable schools in the district include Southeast Elementary and Jefferson Elementary. These schools maintain a focus on academic excellence and personalized learning experiences for students.

Middle Schools

South Middle School and Central Middle School in Cape Girardeau offer a range of academic programs, including honors classes and extracurricular activities. Both schools have strong reputations for preparing students for high school with programs in science, technology, and mathematics. The middle schools also offer arts and music programs, which are highly valued by the community. Additionally, the district provides specialized services for students with learning disabilities or other special needs.

High Schools

Cape Girardeau Central High School is the largest high school in the area, offering a wide range of AP (Advanced Placement) courses, vocational training, and college preparation programs. It has a strong sports program and extracurricular activities such as music, theater, and debate. Jackson High School serves the nearby area of Jackson, Missouri, and also has a robust academic and athletic program. Both schools boast strong graduation rates, and students consistently perform well on state standardized tests.

Colleges & Universities

Southeast Missouri State University Academics which offer affordable educational opportunities to residents and those wishing to further their education.

Churches in Cape Girardeau County, Missouri

Conclusion: Why you should consider moving to Cape Girardeau County, Missouri

Cape Girardeau County, Missouri, is more than just a place to live—it’s a place to thrive. With its affordable cost of living, strong job market, and top-rated schools, it offers a balanced lifestyle that caters to families, young professionals, and retirees alike. The county’s stunning natural beauty, from the Mississippi River to its well-maintained parks, provides countless opportunities for outdoor adventures, while its vibrant community and cultural attractions ensure there’s always something to do. Whether you’re looking for a tight-knit community, excellent career opportunities, or a welcoming place to call home, Cape Girardeau County is ready to offer you a life full of opportunity and charm.