IS THE FLORIDA RETIREMENT DREAM FADING?

Thinking about retiring to Florida? You’re not alone. Even with rising interest rates and more homes hitting the market, Florida continues to be one of the top destinations for people over 50 looking to settle into their next chapter.

I’m Lisa McBride with Sarasota Neighborhood Experts, and helping folks buy, sell, and invest in Real Estate—especially around retirement—is what I love most. Let’s dive into why the Florida retirement dream is still very much alive.

☀️ 1. Sunshine is Still King

Florida boasts more than 230 sunny days a year—more than anywhere else in the U.S. That sunshine doesn’t just feel good; it fuels a healthier, more active lifestyle. When the weather’s beautiful, we’re more inclined to walk, bike, play golf, and simply stay on the move. Less gloom means fewer winter blues, and more time outdoors leads to better overall wellness. For many, that alone is worth the move.

🏌️ 2. Active Lifestyle, Year-Round

From golf and pickleball to walking trails and clubs for every interest imaginable, Florida communities are built for staying social and energized. Take The Villages, for example—it’s the fastest-growing 55+ community in the world. With over 3,000 clubs and 50+ golf courses, you’ll never be short on things to do. And it’s not just The Villages—most communities in Florida are designed with snowbirds, empty nesters, and retirees in mind.

👩‍💻 3. Not Just for the Fully Retired

More and more people in their 50s are relocating to Florida before they officially retire. Why? They want to enjoy the perks early: tax benefits, a more active routine, and building friendships ahead of retirement. Many are still working part-time or remotely, taking advantage of today’s flexible work setups while laying the foundation for their next phase in life.

I often joke that retiring in Florida is like going back to college—but with a bit more money in the bank and no exams. There’s always something happening, happy hours included.

🏥 4. Excellent Healthcare Access

Florida is home to the largest population of residents over age 60 in the country, and healthcare providers have definitely taken note. From state-of-the-art hospitals to specialists in cardiology, orthopedics, and more, the care here is world-class. Concierge medicine—a growing trend where doctors are more accessible and focused on personalized care—is also booming here, offering peace of mind for many.

💸 5. Real Tax Advantages

Florida’s tax-friendly setup is another major draw. There's no state income tax, which means your social security, pension, and retirement distributions aren’t taxed. We also have no estate or inheritance tax. For property owners, the homestead exemption can significantly reduce your property tax bill—especially compared to places like New York, Illinois, or New Jersey, where taxes tend to run much higher.

🏡 6. Housing Options for Every Budget

Yes, Florida’s housing market has climbed in recent years, but options still abound. Whether you’re looking for affordable living or luxury coastal estates, Florida has something for every price point. You’ll find homes under $400K in places like The Villages, while areas like Naples, Sarasota, and St. Augustine offer a range of upscale choices.

Where Are People Moving To (and From)?

Top Florida cities attracting retirees include:

• The Villages

• Naples

• Sarasota

• St. Petersburg

• Delray Beach

• Boca Raton

• St. Augustine

And where are they coming from? Primarily higher-cost cities like:

• New York

• New Jersey

• Chicago

• Cambridge, MA

• San Diego

• Portland, OR

• Washington, D.C.

These folks are trading in cold winters and high property taxes for warm breezes, active living, and financial breathing room.

Thinking About Making the Move?

Whether you're eyeing a full retirement or just easing into the lifestyle, Florida is still one of the best places to do it. If you’re considering the move—or just want to know what it might look like—let’s talk.

I’m here to answer your questions and help you explore your options. Call me anytime, and let’s find out if Florida’s sunshine state is the right fit for you.

Until next time,
Lisa McBride
Sarasota Neighborhood Experts