Florida continues to be one of the top destinations for people looking to relocate—and it’s not hard to see why. With its warm weather, vibrant lifestyle, and favorable tax laws, the Sunshine State offers a unique blend of benefits that appeal to families, retirees, and professionals alike. But as with any major move, it’s important to consider the full picture.
In this guide, we’ll explore the top pros and cons of living in Florida, with a special focus on Fort Myers, a Gulf Coast city that has become a popular landing spot for new residents looking for sunshine, affordability, and charm.
The Pros of Living in Florida
1. No State Income Tax
Florida is one of just a few states that does not levy a state income tax. This financial advantage can translate into major savings, particularly for retirees living on a fixed income or business owners managing their own payroll. Whether you’re earning income through work, investments, or pensions, living in Florida allows you to keep more of what you earn.
2. Year-Round Sunshine and Warm Weather
Florida’s subtropical and tropical climate means warm temperatures year-round. Cities like Fort Myers enjoy an average of over 230 sunny days per year, making it ideal for those who enjoy an active outdoor lifestyle. Winters are especially appealing, with temperatures typically hovering in the 60s and 70s—no snow shoveling required.
3. Proximity to Stunning Beaches
The beach life is a major draw in Florida. Fort Myers residents enjoy direct access to the Gulf Coast, with renowned beaches like Fort Myers Beach, Sanibel Island, and Captiva Island just a short drive away. These beaches are not only perfect for sunbathing, boating, and fishing—they’re also known for incredible shelling and peaceful sunsets.
4. A More Affordable Coastal City
Compared to other beach towns in Florida like Naples or Miami, Fort Myers offers a more affordable cost of living. Housing prices, property taxes, and general expenses tend to be lower, making it an excellent option for first-time homebuyers, retirees, or anyone seeking coastal living on a budget.
5. Lifestyle Diversity
Florida supports a wide range of lifestyles. You can find everything from high-rise living in urban centers to quiet suburban neighborhoods, golf course communities, and rural acreage. Fort Myers in particular offers a good balance—its downtown is growing, family neighborhoods are expanding, and waterfront properties provide stunning views and easy access to recreational activities.
The Cons of Living in Florida
1. Hurricane Season
Living in Florida means accepting the reality of hurricanes and tropical storms, particularly during the peak season from June to November. Fort Myers has experienced its share of storms, including Hurricane Ian in 2022, which caused significant damage. Homeowners must factor in higher insurance premiums, storm prep costs, and the need for hurricane-resistant features like impact windows and shutters.
2. Hot, Humid Summers
Florida’s summer heat can be overwhelming for newcomers. In Fort Myers, summer temperatures regularly reach into the 90s, accompanied by high humidity. For those who aren’t used to tropical heat, the climate can take time to adjust to—and staying hydrated and indoors during peak afternoon hours becomes essential.
3. Seasonal Traffic and Tourism
As a popular destination, Florida sees millions of tourists each year. Fort Myers is especially busy during the winter months when seasonal residents (“snowbirds”) arrive from northern states. This can lead to crowded roads, busy restaurants, and longer wait times for services.
4. Pests and Wildlife
Florida’s warm climate supports a wide variety of wildlife—from friendly lizards to less-welcome visitors like mosquitoes, palmetto bugs, and even alligators. While encounters are rare in developed areas, new residents should be aware of the local ecosystem and take steps to pest-proof their homes and yards.
5. Insurance and Housing Costs Are Rising
Although Fort Myers remains more affordable than many coastal cities, property insurance costs across Florida have been rising due to hurricane risks and changing insurance policies. Homeowners should budget accordingly when considering their long-term financial plans.
Is Fort Myers the Right Place for You?
If you’re looking for a relaxed coastal city with access to nature, strong community vibes, and more space for your money, Fort Myers is a fantastic option. It’s consistently ranked among the best places to retire in Florida, but it also appeals to families, professionals, and remote workers looking to escape the hustle of larger cities.
From its walkable downtown to nearby golf courses, waterfront homes, and growing economy, Fort Myers strikes a healthy balance between small-town feel and big-city convenience. Whether you’re relocating from out of state or just moving within Florida, Fort Myers deserves a spot on your list.
Planning a Move to Fort Myers?
At Eagle Eye Movers, we’ve helped hundreds of individuals and families relocate smoothly across Fort Myers and the state of Florida. Whether you’re moving down the street or across the state, our experienced team delivers top-quality moving services with care, precision, and local expertise.
Let us take the stress out of your move so you can focus on enjoying your new Florida lifestyle. Reach out today for a free quote and see why we’re Fort Myers’ trusted moving company.