In Fort Myers Beach, a typical home is worth $642,400 and typical rent is $1,836 a month. Compared with all of Lee County, the typical home value is 77% higher, typical household income is 20% higher, and the share of households that own their home is 14 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $535,206 to $483,097.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fort Myers Beach is in Lee County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lee County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Fort Myers Beach is worth $642,400,77% more than in Lee County as a whole ($362,200).
2
Nearby, in Cypress Lake, the typical home value is $258,900: 60% less than in Fort Myers Beach ($642,400).
3
89% of households in Fort Myers Beach own their home, against 74% in Lee County.
4
The typical household income in Fort Myers Beach is $91,291,20% more than in Lee County as a whole ($76,107).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fort Myers Beach
What homes there are in Fort Myers Beach, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Fort Myers Beach
Lee County
Florida
United States
Kind of home: Fort Myers Beach and its comparisons
Measure
Fort Myers Beach
Lee County
Florida
United States
Detached house
30%
55%
55%
61%
Attached house
3%
7%
7%
6%
Building of 2 to 4
7%
7%
6%
8%
Apartments (5 or more)
60%
21%
25%
19%
Mobile home
Unreliable estimate
9%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Many people here live in apartments: 6 in 10 homes; in Lee County, 2.
Year built
Before 19601960–19791980–19992000–20092010 or later
Fort Myers Beach
Lee County
Florida
United States
Year built: Fort Myers Beach and its comparisons
Measure
Fort Myers Beach
Lee County
Florida
United States
Before 1960
6%
3%
10%
26%
1960–1979
34%
17%
24%
24%
1980–1999
46%
35%
34%
25%
2000–2009
9%
29%
18%
14%
2010 or later
4%
16%
14%
11%
In Fort Myers Beach, half of the homes were built before 1983; in Lee County, before 1997.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K27%
$500K–$750K30%
$750K–$1M20%
$1M or more17%
Value of owner-occupied homes: Fort Myers Beach and its comparisons
Measure
Fort Myers Beach
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
27%
$500K–$750K
30%
$750K–$1M
20%
$1M or more
17%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fort Myers Beach and its comparisons
Measure
Fort Myers Beach
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,833 a month
Lee County: $1,921 a month
Without a mortgage
$1,437 a month
Lee County: $758 a month
Owners with a mortgage
31%
Lee County: 52%
In Fort Myers Beach, 31% of owners have a mortgage, and their typical cost is $2,833 a month, against $1,921 in Lee County. Without one it drops to $1,437.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fort Myers Beach+43%
Lee County+61%
Florida+67%
United States+53%
Typical rent
Fort Myers Beach+59%
Lee County+48%
Florida+42%
United States+33%
Typical household income
Fort Myers Beach+23%
Lee County+32%
Florida+34%
United States+29%
Change since 2015–2019: Fort Myers Beach and its comparisons
Measure
Fort Myers Beach
Lee County
Florida
United States
Typical home value
+43%
+61%
+67%
+53%
Typical rent
+59%
+48%
+42%
+33%
Typical household income
+23%
+32%
+34%
+29%
The typical home value in Fort Myers Beach rose 43% since 2015–2019, less than in Lee County (61%).
Rents in Fort Myers Beach rose faster than in Lee County: 59% since 2015–2019, against 48%.
The typical household income in Fort Myers Beach rose 23%: less than home values (+43%) and rent (+59%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fort Myers Beach and its comparisons
Measure
Fort Myers Beach
Lee County
Florida
United States
Rental vacancy
43.5%
10.3%
7.6%
5.5%
Homeowner vacancy
9.7%
1.9%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.4%
3.3%
3.4%
People per household
1.95
2.45
2.51
2.53
Drive alone
67%
71%
70%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
10%
2%
2%
3%
Work from home
20%
15%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
In Fort Myers Beach, the rental vacancy rate is 43.5%; in Lee County, 10.3%.
Households in Fort Myers Beach are smaller: 1.95 people on average; in Lee County, 2.45.
In Fort Myers Beach, 10% of workers walk or bike to work; in Lee County, 2%.
Do the math
What would you pay each month for a home in Fort Myers Beach?
A typical home costs more than the typical income allows
We start with a typical home in Fort Myers Beach, worth $642,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 69% of the typical household income in Fort Myers Beach, which is $91,291 a year. For that payment to be 28% of income, a household would need to earn about $226,050 a year. Note: at that price the loan is above the FHA limit for Lee County ($541,287), so FHA would not insure it; the payment is only a reference.
The calculator's FHA and conventional loan limits are those of all of Lee County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Fort Myers Beach. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $22,484 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$5,274
at 7.18% · 30 years
Loan amount
$630,765
Total interest
$907,522
Paid off in
November 2056
Includes $10,849 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,130 a month
Tight
$2,130 to $2,739 a month
Hard
more than $2,739 a month
Your payment · 69%
Compared with the typical household income in Fort Myers Beach ($91,291 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$4,273
Property tax
$450
Home insurance
$268
FHA mortgage insurance (MIP)
$284
This loan is over the FHA limit
You'd borrow $619,916, but the FHA limit for a one-unit home in Fort Myers Beach is $541,287. You'd need a bigger down payment or a different loan.
You need at least $22,484 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $5,274; principal and interest $4,273.
The city and its county
Fort Myers Beach and Lee County
Fort Myers Beach is in Lee County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Map of Lee County, Florida, with Fort Myers Beach marked. Around it, the neighboring counties.
Lee County
Fort Myers Beach's own numbers
Typical home value
$642,400
Typical monthly rent
$1,836
Typical yearly household income
$91,291
Households that own their home
89%
Effective property tax rate
0.84%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lee County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,835
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
42%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lee County.
A typical home in Fort Myers Beach is worth $642,400: 77% above the county and 79% above Florida. With the typical household income in Fort Myers Beach ($91,291 a year), a typical home costs 7.0 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Fort Myers Beach7.0 years
Lee4.8 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lee County
According to FHFA’s house price index, home prices in Lee County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lee County.
Yearly change in FHFA’s price index in Lee County, 2016 to 2025
2016: +10.6% +10.6% 2016
2017: +7.0% +7.0% 2017
2018: +5.5% +5.5% 2018
2019: +3.8% +3.8% 2019
2020: +4.4% +4.4% 2020
2021: +19.1% +19.1% 2021
2022: +29.4% +29.4% 2022
2023: +5.8% +5.8% 2023
2024: −2.4% −2.4% 2024
2025: −6.7% −6.7% 2025
Change in FHFA’s price index in Lee County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−6.7%
−0.5%
+2.9%
5 years (2020–2025)
+49%
+60%
+47%
10 years (2015–2025)
+101%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Fort Myers Beach next to Lee County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Fort Myers Beach$642,400
Lee$362,200
Florida$359,000
United States$332,700
Typical monthly rent
Fort Myers Beach$1,836
Lee$1,712
Florida$1,669
United States$1,413
Typical yearly household income
Fort Myers Beach$91,291
Lee$76,107
Florida$74,568
United States$80,734
See the full table
Fort Myers Beach next to Lee County and Florida
Measure
Fort Myers Beach
Lee County
Florida
U.S.
Typical home value
$642,400 ▲77% above the county
$362,200
$359,000
$332,700
Typical monthly rent
$1,836 ▲7% above the county
$1,712
$1,669
$1,413
Typical yearly household income
$91,291 ▲20% above the county
$76,107
$74,568
$80,734
Households that own their home
89% ▲14 points above the county
74%
68%
65%
Typical yearly property tax
$5,370 ▲88% above the county
$2,858
$2,730
$3,119
Effective property tax rate
0.84% ▲0.05 points above the county
0.79%
0.76%
0.94%
Renters with high rent for their income
72% ▲12 points above the county
60%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lee County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Fort Myers Beach
For a typical $642,400 home in Fort Myers Beach, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Myers Beach's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,274a month
Above the FHA limit for Lee County ($541,287)
Down payment
$22,484
Cash to close
$41,756
Rate
7.18%
Mortgage insurance
FHA MIP · $284
Conventional, 5% down$5,157a month
Least cash to close
Down payment
$32,120
Cash to close
$51,392
Rate
7.18%
Mortgage insurance
PMI · $305
Conventional, 20% down, no PMI$4,199a month
Down payment
$128,480
Cash to close
$147,752
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,793a month
Down payment
$96,360
Cash to close
$115,632
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fort Myers Beach
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Lee County ($541,287)
$5,274
$22,484
$630,765
7.18%
FHA MIP · $284
$41,756
580
Conventional, 5% down Least cash to close
$5,157
$32,120
$610,280
7.18%
PMI · $305
$51,392
620*
Conventional, 20% down, no PMI
$4,199
$128,480
$513,920
7.18%
None
$147,752
620*
ITIN, 15% down (example)
$4,793
$96,360
$546,040
8.18%
None
$115,632
Set by the lender
The option that asks for the least cash to close is Conventional, 5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Fort Myers Beach is $1,836 a month: 7% above the county. In Fort Myers Beach, 72% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lee County, by unit size. To pay the 2-bedroom one ($1,835 a month) without spending more than 30% of your income, you would need to earn $35.29 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Lee County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,555
$29.90
$62,200
1 bedroom
$1,564
$30.08
$62,560
2 bedrooms
$1,835
$35.29
$73,400
3 bedrooms
$2,373
$45.63
$94,920
4 bedrooms
$2,615
$50.29
$104,600
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Fort Myers Beach
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Myers Beach is in ZIP code 33931.
For 2 bedrooms it is $1,790: $45 less than the fair market rent for Lee County ($1,835).
Fair market rent by ZIP code and size in Fort Myers Beach, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33931
$1,520
$1,530
$1,790
$2,310
$2,560
ZIP code2 bd3 bd
33931 $1,790$2,310
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fort Myers Beach when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 3 HUD-approved agencies with an office in Lee County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Fort Myers Beach or Lee County. The ones below are statewide in Florida: they work in Fort Myers Beach the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Fort Myers Beach, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
HH
Habitat for Humanity of Lee and Hendry Counties, Inc.
12751 New Brittany Blvd Ste 100, Fort Myers · 9 miles away
No legal help resource on our list is for Fort Myers Beach or Lee County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Fort Myers Beach and all of Lee County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Fort Myers Beach?
The typical home value in Fort Myers Beach is $642,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lee County it is $362,200.
How much does it cost to rent in Fort Myers Beach?
Typical rent in Fort Myers Beach is $1,836 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lee County is $1,835.
What is the FHA loan limit in Fort Myers Beach?
Fort Myers Beach uses the FHA limit for all of Lee County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Fort Myers Beach?
The typical homeowner in Fort Myers Beach pays $5,370 a year, according to the U.S. Census Bureau. That is 0.84% of the home’s value; in Lee County, the rate is 0.79%.
Where can I find free help to buy or rent in Fort Myers Beach?
There are 3 HUD-approved counseling agencies with an office in Lee County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
