Most expensive places to live in Florida

Florida attracts people from across the U.S. and the world with its warm weather, tax advantages, and vibrant lifestyle. However, not all parts of the state are created equal when it comes to the cost of living. In 2025, several communities stand out as some of the most expensive places to live in Florida, offering luxury living, prime locations, and amenities. However, often at a price that only affluent buyers or deep‑pocketed renters can comfortably afford. Below, our Pro Movers Miami break down where those high costs are concentrated and what makes each of these places so pricey.

Palm Beach

Palm Beach tops many lists for Florida’s most expensive real estate, with average home values reaching well into the multimillion‑dollar range. According to recent data, properties here whisper luxury: large estates on oceanfront lots, private club access, and proximity to upscale shopping and dining all drive costs up significantly.

Financially, homeowners here face not only high purchase prices but also elevated ongoing expenses like property taxes and maintenance, but that exclusivity is part of the appeal for those seeking a prestigious address.

Jupiter Island

Jupiter Island consistently ranks near the very top of Florida’s most expensive places to live. In 2025, typical home values approach or exceed $9 million. Numbers reflect the area’s scarcity of available land, quiet oceanfront lifestyle, and privacy. Prefer a very small population, protected natural beauty, and a long history as a haven for wealthy retirees and seasonal residents? Jupiter Island offers a unique combination of seclusion and splendor.

Golden Beach

Golden Beach is a tiny town nestled between Miami and Fort Lauderdale, and it’s become famous for its massive luxury waterfront estates. With home prices in the multi‑million‑dollar range, this community draws high‑net‑worth residents.

These new locals want the prestige of a private, low‑density oceanfront locale but close enough to Miami’s international airport and cultural attractions to make it practical. And reputable movers in Golden Beach play a crucial role in assisting these affluent residents with seamless transitions. They’re ensuring their luxury properties are moved with care and precision, whether they’re relocating year-round or seasonally.

Bal Harbour

Bal Harbour is one of South Florida’s most exclusive enclaves, known for its elite shopping district and beachfront high‑rises. Real estate in Bal Harbour often commands a premium, partly because of the limited number of units and the desirability of oceanfront living. Buyers here are purchasing not just property but access to a luxury lifestyle that includes top‑tier retail, dining, and ocean access.

Key Biscayne

Off the coast of Miami, Key Biscayne continues to stand out as a high‑end residential community. It offers stunning views, excellent schools, and world‑class recreational options. In 2025, Key Biscayne remains one of the priciest places to live in Florida, with high cost‑of‑living indexes and median home prices that reflect its amenity‑rich lifestyle and strong demand among professionals and families alike.

Coral Gables and Miami Beach

Places like Coral Gables and Miami Beach, while larger and more urban compared to other towns on this list, still rank among the most expensive places to live in Florida because of their prime locations, cultural attractions, and housing demand.

Coral Gables combines historic Mediterranean‑style architecture with luxury shopping and business hubs. Miami Beach, however, blends urban energy with world‑famous beaches and nightlife. Expensive they may be, yet movers in Coral Gables and Miami Beach continue to stay busy. A clear sign that demand for high-end Florida living isn’t slowing down.

Gulf Stream and Manalapan

Both Gulf Stream and Manalapan are small towns on Florida’s Atlantic coast with extremely high property values and quality of life metrics. These areas are known for expansive waterfront estates, privacy, and direct access to the Atlantic Ocean. While populations are small, the impact on their local housing markets is large. It’s focused on exclusive properties that attract buyers looking for top‑tier luxury.

Naples and Southwest Ranches

Naples, especially its beachfront areas and neighboring luxury communities, remains one of Florida’s most desirable places to live. High demand for large homes near golf courses, boating channels, and pristine beaches drives prices well above the state average. Southwest Ranches also commands high prices because of lifestyle appeal and limited supply. It is known for its equestrian estates and spacious properties.

Pinecrest and Sanibel

Pinecrest, a suburban enclave near Miami renowned for its lush landscapes and top-rated schools, continues to command high home prices as families compete for space and amenities. Sanibel Island, famous for its shell-strewn beaches and laid-back island vibe, also experiences high real estate values.

It’s partly because buildable land is limited and appeal remains strong among retirees and second‑home buyers. As a result, local movers in Pinecrest, FL, and Sanibel Island are in high demand, helping families and seasonal residents smoothly transition to their dream homes in these exclusive areas.

The role of housing costs in Florida’s broader living expenses

In 2025, Florida’s overall median home price remains above the U.S. average. Moreover, many of the state’s most expensive communities far exceed that baseline. Recent data shows the median Florida home price is around $372,000, slightly above the national median, but prices in the most expensive towns often reach or exceed the multi‑million‑dollar mark.

Across the state, housing remains the biggest driver of living costs. Even though utilities and groceries may align more closely with national averages. In major urban centers like Fort Lauderdale and Miami, housing costs alone can be 20‑25% higher than the state average, which pushes the overall cost of living much higher.

What makes these places so expensive?

There are a few common factors that help explain why these Florida communities have such high costs of living:

• Limited supply of land or properties: Beachfront lots and historic estates are rare, pushing prices up.
• High demand from affluent buyers: Seasonal residents, retirees, and international buyers all add pressure.
• Luxury amenities and services: High‑end shopping, dining, and cultural attractions elevate demand.
• Lifestyle value: Access to beaches, marinas, golf courses, and exclusive clubs makes these locations especially desirable.

Whether you’re relocating, investing, or planning your future home, understanding where costs are highest and why will help you make smarter decisions in today’s market.

Who typically lives in Florida’s priciest communities?

Many of the most expensive places above are home to:

• Professionals with high incomes who work in finance, tech, or healthcare.
• Retirees seeking a luxury coastal lifestyle without state income tax.
• Wealthy seasonal residents who split time between Florida and other states.
• Investors who see luxury properties as valuable long‑term assets.

Is it worth living in one of these expensive places? That depends on your personal goals and financial situation. If you value privacy, natural beauty, high‑end amenities, or proximity to major cultural hubs, these communities can deliver an exceptional quality of life.

Dream lifestyle or financial stretch?

The most expensive places to live in Florida in 2025 represent a mix of prestige, natural beauty, and high demand. They showcase how desirable the Sunshine State has become for affluent buyers and lifestyle seekers. Yet, they also highlight that not all of Florida’s appeal comes cheaply. For those seeking more affordable Florida housing, areas where home values are falling the fastest, like parts of Jacksonville and Orlando, offer opportunities to enjoy Florida’s lifestyle without the hefty price tag.