Relocation Guide To Fort Myers & Naples
It All Begins Here
What to Know Before Making the Move
Relocating to Southwest Florida offers more than warm weather—it’s a lifestyle change. Fort Myers and Naples attract buyers from across the country looking for coastal living, favorable tax benefits, and a relaxed pace without sacrificing quality of life.
This guide is designed to help you understand what it’s like to live in the Fort Myers–Naples area, how the lifestyle differs from other regions, and what to consider before purchasing a home.
Why People Relocate to Fort Myers & Naples
Many buyers choose Southwest Florida for:
Year-round warm climate
No Florida state income tax
Coastal and waterfront lifestyle
Golf, boating, and outdoor recreation
Strong real estate market
Access to quality healthcare
Easy travel via nearby airports
Relocations commonly include:
Full-time moves
Seasonal or snowbird transitions
Early retirement
Remote-work relocations
Lifestyle upgrades from colder climates
Fort Myers vs. Naples: Lifestyle Overview
While Fort Myers and Naples are close in distance, they offer distinct lifestyle experiences.
Fort Myers
Fort Myers is known for its laid-back coastal atmosphere and variety of housing options. The area appeals to buyers looking for flexibility, value, and a more casual day-to-day lifestyle.
Common characteristics include:
A mix of historic homes and newer communities
Strong boating and fishing culture
Family-friendly neighborhoods
A growing downtown and waterfront scene
Naples
Naples offers a more refined, upscale lifestyle with an emphasis on luxury, aesthetics, and high-end amenities.
Common characteristics include:
Well-maintained communities and streetscapes
Strong luxury and second-home market
Upscale dining, shopping, and cultural offerings
A polished coastal atmosphere
Cost of Living & Taxes
Florida tax benefits:
No state income tax
Homestead Exemption for primary residences
Property taxes based on assessed value and location
Cost considerations unique to Florida:
Homeowners insurance costs vary widely
Flood insurance may be required depending on location
HOA or condo dues in many communities
Utilities, especially for pool and irrigation systems
Many relocating buyers find that overall costs remain competitive compared to high-tax states, even when factoring in insurance.
Weather & Climate
Southwest Florida has a subtropical climate:
Mild, dry winters (peak season)
Hot, humid summers
Rainy season typically from June through September
Hurricane season runs June 1 through November 30
Homes are designed with storm standards in mind, and many communities include hurricane-rated features.
Healthcare & Quality of Life
The Fort Myers–Naples area is well-known for:
Access to top-rated hospitals and medical specialists
Wellness-focused communities
Outdoor activities such as golf, walking trails, and boating
Cultural events, theaters, and seasonal festivals
Healthcare access is a major factor for retirees and seasonal residents relocating to the area.
Buying Real Estate as a Relocation Buyer
Relocation buyers often face different challenges than local buyers.
Common considerations include:
Buying remotely or during a short visit
Navigating Florida-specific insurance requirements
Understanding HOA and condo rules
Timing purchases around seasonal market shifts
Choosing between resale homes and new construction
Local guidance is especially important for out-of-state buyers to avoid surprises and streamline the process.
Timing Your Move
Peak season: Winter and early spring
Off-season: Summer and early fall, often with less competition
New construction: May offer flexible timelines year-round
Relocation timelines can often be adjusted to fit work schedules, school calendars, or seasonal travel.
Final Thoughts
Relocating to Fort Myers or Naples is about finding the right balance between lifestyle, comfort, and long-term value. With proper planning and local insight, the transition to Southwest Florida can be smooth, enjoyable, and rewarding.
If you’re considering a move and want help understanding the market, narrowing your options, or planning a purchase timeline, professional guidance can help you relocate with confidence.