Why Cape Coral & Southwest Florida Are Still One of the Smartest Moves You Can Make in 2025

by Frank Glaab

If you’ve been watching the headlines lately, you’ve probably seen dramatic claims about the housing market—especially in Florida. Some reports say Cape Coral is “overbuilt,” others call Southwest Florida “cooling,” and some even suggest buyers should look elsewhere.

But when you cut through the noise and look at the real data, the lifestyle, and the long-term fundamentals, a very different story appears.

As someone who has lived here since the early 90s and works every day in Cape Coral, Fort Myers, Pine Island, and Matlacha, I can say confidently:

Southwest Florida is still one of the smartest places you can move or invest in for 2025.

1. Waterfront Living That’s Actually Attainable

Most coastal markets have priced the average buyer out of waterfront property. But in Cape Coral and the nearby islands, you can still find:

Direct Gulf access canals
Wide water views
New construction homes
Private docks and lifts
Deep-water boating options

…at price points far below what you’d find in Miami, Sarasota, Naples, or major metro coastal markets.

If boating, fishing, and waterfront sunsets matter to you, this area is truly unmatched.

2. Financial Benefits That Actually Matter

Florida continues to offer major financial advantages:

0% state income tax
Lower cost of living than most large U.S. cities
Insurance options stabilizing in 2025
Homestead exemption protections

For anyone relocating from high-tax or high-cost areas, the month-to-month financial improvement is significant.

3. A Lifestyle People Are Actively Seeking

Southwest Florida offers what people in dense metros often crave:

More space
More sunshine
A calmer pace
Friendly communities
Endless outdoor activity
Beaches and boating year-round

Cape Coral, Fort Myers, Pine Island, and Matlacha each have their own vibe—whether you want something peaceful, artsy, family-friendly, or full of nightlife.

4. Long-Term Growth Is Still Strong

Despite short-term market fluctuations, the fundamentals remain solid:

Continuous inbound migration
Growing commercial development
Expanding infrastructure
Strong remote-work appeal
High desirability among retirees and young families alike

Cape Coral remains one of the fastest-growing cities in the country, and that doesn’t disappear because of a seasonal shift or a sensational headline.

5. Inventory Is Up… But So Is Buyer Activity

2024 brought more inventory, giving buyers more options. But here’s what people miss:

Well-priced homes are still selling
Gulf access properties remain in high demand
Season brings more showings and more offers

Every year, the pattern is the same:
Snowbird season increases demand, and demand stabilizes pricing.

Waiting too long often means buying in the spring surge instead of the winter opportunity window.

6. Timing Your Move Matters

Buying in Southwest Florida isn’t one-size-fits-all. Factors that matter include:

School zones
Canal systems
Flood zones
Insurance requirements
Elevation
Freshwater vs Gulf access
Bridge height restrictions
Boat draft depth
Future development plans

These can drastically impact value, resale potential, and whether the property actually fits your lifestyle. Working with someone who knows the area deeply makes a real difference.