Seasonal Living
Your winter home on the Gulf Coast
Whether you spend three months or six, Southwest Florida is one of the best places in the country for seasonal living. I help snowbirds find the right home, community, and setup, from purchase to connecting you with trusted local property managers.
The Gulf Coast Advantage
Why Southwest Florida
No state income tax
Florida has no personal income tax. For retirees drawing Social Security, pensions, or investment income, this is a significant annual savings compared to most northern states.
Gulf Coast weather
Southwest Florida delivers mild, sunny winters. Typical January highs are in the low to mid 70s, and the Gulf water stays warm enough for swimming from April through November.
Airport access
Sarasota-Bradenton International Airport (SRQ) has expanded with direct flights to major hubs across the Northeast, Midwest, and Canada. Southwest Florida International (RSW) in Fort Myers adds even more options.
Healthcare
Sarasota Memorial Hospital, Lakewood Ranch Medical Center, and multiple regional healthcare systems serve the area. Many specialists cater to an active-adult population.
Know Before You Buy
What seasonal buyers should know
Homestead vs. non-homestead taxes
If Florida is not your primary residence, you will not qualify for the homestead exemption or the Save Our Homes 3% assessment cap, and non-homestead assessments can rise up to 10% per year. That means the effective tax bill on a second home is often meaningfully higher than a comparable homesteaded home. I factor this into every cost comparison so there are no surprises.
HOA rental restrictions
If you plan to rent your home during the months you are away, confirm the community allows it. Many HOAs require minimum 30-day lease terms and some restrict the number of annual rentals. I verify rental rules before showing you any community.
Hurricane season preparation
Hurricane season runs June through November. If you are away during this period, you need a plan for storm shutters, property monitoring, and insurance compliance. Many seasonal owners hire a local property management company or designate a trusted neighbor. Impact windows and doors eliminate the need for manual shutters and can reduce insurance costs.
Best communities for snowbirds
Gated communities with on-site management, maintenance-included HOAs, and resort-style amenities are popular with seasonal buyers. 55+ communities like Del Webb, Cresswind, and Brightmore offer built-in social calendars and low-maintenance living. I can match you to communities that welcome seasonal residents and fit your lifestyle.
Explore by interest
55+ Active Adult Communities
Resort amenities, social calendars, low maintenance
Golf Communities
Bundled and equity golf across the Gulf Coast
Waterfront & Island
Gulf access, canal homes, barrier islands
Gated Communities
Security and privacy for seasonal owners
Snowbird & Seasonal
Communities popular with seasonal residents
Siesta Key
World-famous beach, condos and single-family
Common Questions
Snowbird FAQ
What is the best time of year to buy a snowbird home in Florida?+
The best selection is typically available in the summer and early fall (May through October) when seasonal residents head north and inventory rises. Prices can also be more negotiable during this period. Peak season (January through April) offers fewer choices but lets you experience the area at its busiest before committing.
Do I need to claim Florida homestead exemption as a snowbird?+
Homestead exemption is only available if Florida is your primary residence. If you maintain a primary residence in another state, you cannot claim Florida homestead. This means your property taxes will be higher since you will not receive the homestead discount or the Save Our Homes 3% annual assessment cap. Factor this into your budget.
What are the insurance considerations for a seasonal home?+
Seasonal homes may require a vacant home policy or a standard homeowners policy with seasonal-use endorsements. Insurance companies want to know who monitors the property during hurricane season (June through November) if you are not in residence. Some communities require owners to designate a local property manager. Flood insurance is separate and depends on flood zone.
Can I rent out my snowbird home when I am not using it?+
It depends on the community. Some HOAs and CDDs restrict short-term rentals or require minimum lease terms (often 30 days or longer). If rental income is part of your plan, verify the community rental rules before buying. I check this for every snowbird buyer I work with.
Ready to find your winter home?
Tell me your timeline, budget, and what matters most, I will match you to the right communities and handle everything from tour to closing.
Looking for a seasonal place?
Tell me your season and your budget and I will send communities that fit, with the true monthly cost including HOA, CDD, and insurance, not just the list price.
Or call or text (941) 350-0224.