Living in Fort Myers: 7 Things Locals Wish You Knew Before Moving

If you’re considering relocating to Fort Myers, you’re not alone. This Gulf Coast gem continues to attract families, retirees, and investors alike thanks to its sunny climate, waterfront access, and relatively affordable cost of living compared to other coastal markets. But before you dive into Fort Myers real estate, here’s what locals think you should know:

1. Waterfront Homes Are Everywhere—But Not All Are Equal
Yes, Fort Myers is full of waterfront homes, but the quality of water access varies. Some offer direct Gulf access with no bridges (ideal for boaters), while others require navigating through canals or locks.

2. Flood Zones Matter More Than You Think
Understanding flood zones in Southwest Florida is crucial. Insurance rates, mortgage requirements, and future resale value are all affected. Always consult a local expert or your Fort Myers real estate agent for guidance.

3. Gated Communities Are a Big Deal
Whether you're looking for security, amenities, or that classic Florida lifestyle, gated communities in Southwest Florida are incredibly popular—especially among retirees and seasonal residents.

4. Fort Myers Beach Is Rebuilding
After recent hurricanes, Fort Myers Beach properties are bouncing back. This creates opportunity for buyers, but also means you’ll need to consider ongoing construction, FEMA regulations, and future insurance costs.

5. The Market Moves Fast
Thanks to high demand and strong investment activity, the Southwest Florida real estate market sees fast turnarounds—especially in high-demand areas like McGregor, Gulf Harbour, and historic downtown Fort Myers.

6. Working With a Local Agent Is Critical
There’s no substitute for a seasoned Fort Myers real estate agent who understands not just listings, but also zoning, insurance, and local quirks like the 50% Rule in flood zones.

7. Seasonal Living Is a Way of Life
Fort Myers sees a huge influx of seasonal residents—often called "snowbirds"—so traffic, restaurant reservations, and even real estate inventory fluctuate from fall to spring.