Census tract · Lee County
Census Tract 103.05, Lee County, Florida
Census Tract 103.05, GEOID 12071010305, in Lee County, Florida, mostly within Lochmoor Waterway Estates (92% of its census blocks). 4,675 residents in the ACS 2020-2024 5-year estimates (±525); the 2020 Census counted 4,100.
Residents, 2020-2024
4,675
±525 (90% margin)
2020 Census count: 4,100
Median household income
$74,240
±$17,805 (90% margin)
Lee County: $76,107
Median home value
$338,900
±$35,871 (90% margin)
Lee County: $362,200
Median gross rent
$1,725
±$201 (90% margin)
Lee County: $1,712
Where is Census Tract 103.05?
Census Tract 103.05 is one of 223 census tracts in Lee County, Florida. It covers 1.41 square miles of land, 2,914 residents per square mile in 2020. Its GEOID, 12071010305, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Lochmoor Waterway Estates | 92% |
| Cape Coral | 8% |
4 census tracts border Census Tract 103.05: Tract 9 ($157,656), Tract 103.02 ($56,396), Tract 103.08 ($62,177) and Tract 207 ($92,581). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 103.05?
The 2020-2024 American Community Survey puts Census Tract 103.05's population at 4,675 (±525) in 1,909 households; the 2020 Census counted 4,100 residents and 1,929 housing units.
| Measure | Tract 103.05 | Lochmoor Waterway Estates |
|---|---|---|
| Total population | 4,675 ±525 | 6,511 |
| Households | 1,909 ±233 | 2,694 |
| Average household size | 2.45 ±0.17 | 2.42 |
| Housing units | 2,051 ±233 | 3,081 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 103.05?
The median resident of Census Tract 103.05 is 49.9 years old; 15.4% are under 18 and 28.4% are 65 or older. The largest group is non-Hispanic white residents at 74.1%, then Hispanic or Latino residents (of any race) at 17.5%. 10.9% of residents were born outside the United States.
| Measure | Tract 103.05 | Lochmoor Waterway Estates |
|---|---|---|
| Median age | 49.9 ±4.2 | 53.0 |
| Under 18 years | 15.4% ±2.2 pts | 16.4% |
| 65 years and over | 28.4% ±5.6 pts | 29.8% |
| Hispanic or Latino (any race) | 17.5% ±3.4 pts | 9.4% |
| White alone, not Hispanic | 74.1% ±4.6 pts | 79.1% |
| Black or African American alone, not Hispanic | 3.1% ±2.5 pts | 5.9% |
| Asian alone, not Hispanic | 1.9% ±1.6 pts | 2.1% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±1.1 pts | 0.0% |
| Two or more races, not Hispanic | 3.3% ±2.7 pts | 3.4% |
| Some other race alone, not Hispanic | 0.0% ±1.1 pts | 0.1% |
| Born outside the United States | 10.9% ±3.6 pts | 9.8% |
| Speak a language other than English at home (age 5+) | 15.6% ±4.5 pts | 9.9% |
| Civilian veterans (age 18+) | 11.7% ±5.1 pts | 11.8% |
| With a disability | 14.6% ±4.8 pts | 13.7% |
| No health insurance coverage | 6.1% ±3.2 pts | 6.6% |
| High school graduate or higher (age 25+) | 97.4% ±3.0 pts | 94.4% |
| Bachelor's degree or higher (age 25+) | 32.1% ±6.2 pts | 39.8% |
| Graduate or professional degree (age 25+) | 10.0% ±4.0 pts | 14.1% |
| Lived in the same house a year earlier | 94.6% ±3.8 pts | 90.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 103.05 earn?
Half of the 1,909 households in Census Tract 103.05 earn less than $74,240 a year (±$17,805), against $76,107 across Lee County: 120th highest of the county's 214 tracts with a reliable estimate. 13.4% of residents live below the poverty line.
| Measure | Tract 103.05 | Lochmoor Waterway Estates |
|---|---|---|
| Median household income | $74,240 ±$17,805 | $97,667 |
| Mean household income | $105,345 ±$16,584 | $123,123 |
| Per capita income | $45,043 ±$6,452 | $52,591 |
| People below the poverty line | 13.4% ±8.6 pts | 9.6% |
| Children under 18 below the poverty line | 23.5% ±27.7 pts | 15.5% |
| Households receiving SNAP | 4.5% ±3.5 pts | 3.4% |
| Households with a computer | 95.9% ±3.3 pts | 97.8% |
| Households with a broadband subscription | 93.5% ±4.4 pts | 92.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 103.05?
Owners occupy 79.5% of Census Tract 103.05's occupied homes and renters 20.5%. The median owner-occupied home is valued at $338,900 by its owner (±$35,871). The median renter pays $1,725 a month including utilities.
| Measure | Tract 103.05 | Lochmoor Waterway Estates |
|---|---|---|
| Median home value (owner-occupied) | $338,900 ±$35,871 | $386,200 |
| Median gross rent | $1,725 ±$201 | $2,014 |
| Renters paying 35% or more of income on rent | 30.9% ±21.2 pts | 20.7% |
| Median monthly owner costs, with a mortgage | $1,904 ±$540 | $2,197 |
| Owner-occupied homes | 79.5% ±7.8 pts | 86.0% |
| Renter-occupied homes | 20.5% ±7.8 pts | 14.0% |
| Housing units | 2,051 ±233 | 3,081 |
| Single-family detached homes | 65.9% ±8.4 pts | 72.1% |
| Mobile homes | 0.0% ±2.5 pts | 0.0% |
| Built 2020 or later | 1.2% ±1.7 pts | 0.8% |
| Built 2010 to 2019 | 0.6% ±1.0 pts | 16.2% |
| Built 1939 or earlier | 0.0% ±2.5 pts | 0.0% |
| Households with no vehicle | 2.6% ±2.4 pts | 1.9% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 103.05 get to work?
59.1% of Census Tract 103.05's workers drive alone and 21.9% work from home. The average trip to work takes 28.3 minutes.
| Measure | Tract 103.05 | Lochmoor Waterway Estates |
|---|---|---|
| In the labor force (age 16+) | 60.3% ±8.5 pts | 58.8% |
| Unemployment rate | 3.8% ±3.0 pts | 4.1% |
| Drove alone to work | 59.1% ±10.7 pts | 61.6% |
| Carpooled | 10.0% ±4.6 pts | 10.2% |
| Public transportation | 0.0% ±0.1 pts | 0.0% |
| Walked | 2.2% ±3.1 pts | 1.6% |
| Worked from home | 21.9% ±9.4 pts | 21.6% |
| Mean travel time to work | 28.3 min ±5.3 | 31.5 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 103.05 compare with the other tracts in Lee County?
Among Lee County's tracts with a reliable estimate, Census Tract 103.05 ranks as shown below (1 = highest).
| Measure | In Lee County |
|---|---|
| Population | 53rd of 221 |
| Residents per square mile | 63rd of 222 |
| Median household income | 120th of 214 |
| Per capita income | 104th of 220 |
| Median home value | 119th of 217 |
| Median gross rent | 105th of 194 |
| Poverty rate | 59th of 140 |
| Bachelor's degree or higher | 96th of 209 |
| Median age | 118th of 219 |
| Owner-occupied share | 118th of 219 |
The tracts next to it on Lee County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 402.05 | 117th | $75,057±$14,974 · within the margin of this tract |
| Tract 104.14 | 118th | $74,816±$26,284 · within the margin of this tract |
| Tract 402.08 | 119th | $74,375±$11,602 · within the margin of this tract |
| Tract 103.05 | 120th | $74,240±$17,805 |
| Tract 402.12 | 121st | $74,167±$8,986 · within the margin of this tract |
| Tract 502.10 | 122nd | $74,128±$11,480 · within the margin of this tract |
| Tract 301 | 123rd | $73,913±$11,449 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 103.05?
2 of the 18 figures for Census Tract 103.05 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections