If you have been scrolling through Zillow or Instagram lately, you have probably seen the dreamy side of Southwest Florida: palm trees swaying, boats docking at waterfront restaurants, and sunsets that look like paintings. It is no secret that our corner of the Sunshine State is booming.
But is living here actually like being on permanent vacation?
As a local Broker Associate, I believe in giving my clients the full picture—the good, the bad, and the humid. If you are thinking about making the move in 2026, here is an honest look at the pros and cons of life in Southwest Florida.
The Pros: Why We Love It Here
- The “Endless Summer” Climate Let’s start with the obvious: the weather. We enjoy over 260 days of sunshine a year. When the rest of the country is shoveling snow in February, we are usually playing pickleball or dining outside in 70 to 80-degree weather. It truly allows for an active, outdoor lifestyle year-round.
- Your Wallet Will Thank You (Tax Benefits) Florida is one of the few states with zero state income tax. For families and retirees moving from high-tax states like New York or California, this single factor can result in significant annual savings. Plus, homestead exemptions can help protect full-time residents from massive spikes in property taxes.
- World-Class Beaches & Water Culture Whether you are in Fort Myers, Cape Coral, or Naples, you are never far from the water. We have some of the best shelling beaches in the world and a boating culture that is second to none. Weekends here are for fishing, kayaking, or just relaxing on the sand.
The Cons: Things to Consider
- The Summer Heat & Humidity It is paradise… until August. The summers here are undeniably hot, with high humidity that can make the air feel heavy. You will learn to love air conditioning and plan your outdoor activities for the early morning or evening.
- Hurricane Season & Insurance Costs We can’t ignore the weather risks. Hurricane season runs from June 1st to November 30th. While major storms don’t hit every year, the threat is always there. This also means you need to budget for higher home insurance premiums—Florida premiums can average significantly higher than the national average, and flood insurance is often a separate requirement.
- The “Snowbird” Traffic Our population swells in the winter months when seasonal residents (snowbirds) flock south. From January to April, you will notice more traffic on the roads and longer wait times at your favorite restaurants. The trade-off? The summer months are much quieter and peaceful.
Living in Southwest Florida offers a lifestyle that is hard to beat—if you can handle the heat and prepare for the storms. For most of us who call this place home, the trade-offs are absolutely worth it for the slice of paradise we get in return.
Thinking of making the move? I can help you find a home that fits your lifestyle and your budget. Let’s connect today!
