In Fort Myers Shores, a typical home is worth $292,900 and typical rent is $1,567 a month. Compared with all of Lee County, the typical home value is 19% lower, typical rent is 8% lower, and the share of households that own their home is 20 points lower.
Fort Myers Shores 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
Nearby, in North Fort Myers, the typical home value is $161,800: 45% less than in Fort Myers Shores ($292,900).
2
54% of households in Fort Myers Shores own their home, against 74% in Lee County.
3
Nearby, in North Fort Myers, the typical rent is $1,255: 20% less than in Fort Myers Shores ($1,567).
4
The typical home in Fort Myers Shores is worth $292,900,19% less than in Lee County as a whole ($362,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fort Myers Shores
What homes there are in Fort Myers Shores, 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 Shores
Lee County
Florida
United States
Kind of home: Fort Myers Shores and its comparisons
Measure
Fort Myers Shores
Lee County
Florida
United States
Detached house
83%
55%
55%
61%
Attached house
Unreliable estimate
7%
7%
6%
Building of 2 to 4
Unreliable estimate
7%
6%
8%
Apartments (5 or more)
Unreliable estimate
21%
25%
19%
Mobile home
Unreliable estimate
9%
8%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Detached houses, standing on their own, make up 83% of homes here, against 55% in Lee County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fort Myers Shores
Lee County
Florida
United States
Year built: Fort Myers Shores and its comparisons
Measure
Fort Myers Shores
Lee County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
52%
17%
24%
24%
1980–1999
35%
35%
34%
25%
2000–2009
Unreliable estimate
29%
18%
14%
2010 or later
Unreliable estimate
16%
14%
11%
Homes in Fort Myers Shores are older: the typical year built is 1979; in Lee County, 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–$300K40%
$300K–$500K30%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fort Myers Shores and its comparisons
Measure
Fort Myers Shores
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
40%
$300K–$500K
30%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49946%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fort Myers Shores and its comparisons
Measure
Fort Myers Shores
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
46%
$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
$1,691 a month
Lee County: $1,921 a month
Without a mortgage
$539 a month
Lee County: $758 a month
Owners with a mortgage
60%
Lee County: 52%
The typical cost for an owner with a mortgage in Fort Myers Shores is $1,691 a month, less than in Lee County ($1,921); without one, $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fort Myers Shores+79%
Lee County+61%
Florida+67%
United States+53%
Typical rent
Fort Myers Shores+52%
Lee County+48%
Florida+42%
United States+33%
Typical household income
Fort Myers Shores+55%
Lee County+32%
Florida+34%
United States+29%
Change since 2015–2019: Fort Myers Shores and its comparisons
Measure
Fort Myers Shores
Lee County
Florida
United States
Typical home value
+79%
+61%
+67%
+53%
Typical rent
+52%
+48%
+42%
+33%
Typical household income
+55%
+32%
+34%
+29%
The typical home value in Fort Myers Shores rose 79% since 2015–2019, more than in Lee County (61%).
Since 2015–2019, the typical rent in Fort Myers Shores rose 52%, more than in Lee County (48%).
To compare: typical income in Fort Myers Shores rose 55%; the home, +79%; the rent, +52%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fort Myers Shores and its comparisons
Measure
Fort Myers Shores
Lee County
Florida
United States
Rental vacancy
Unreliable estimate
10.3%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.9%
1.4%
0.9%
More than one person per room
Unreliable estimate
2.4%
3.3%
3.4%
People per household
2.75
2.45
2.51
2.53
Drive alone
77%
71%
70%
69%
Carpool
Unreliable estimate
10%
9%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
9%
15%
16%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Fort Myers Shores are bigger: 2.75 people on average; in Lee County, 2.45.
In Fort Myers Shores, 77% of workers drive alone to work; in Lee County, 71%.
Do the math
What would you pay each month for a home in Fort Myers Shores?
A typical home costs more than the typical income allows
We start with a typical home in Fort Myers Shores, worth $292,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Fort Myers Shores, which is $72,955 a year. For that payment to be 28% of income, a household would need to earn about $101,288 a year.
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 Shores. 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 $10,252 (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
$2,363
at 7.18% · 30 years
Loan amount
$287,594
Total interest
$413,781
Paid off in
November 2056
Includes $4,946 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,702 a month
Tight
$1,702 to $2,189 a month
Hard
more than $2,189 a month
Your payment · 39%
Compared with the typical household income in Fort Myers Shores ($72,955 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,948
Property tax
$164
Home insurance
$122
FHA mortgage insurance (MIP)
$130
You need at least $10,252 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 $2,363; principal and interest $1,948.
The city and its county
Fort Myers Shores and Lee County
Fort Myers Shores 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).
Fort Myers Shores
Map of Lee County, Florida, with Fort Myers Shores marked. Around it, the neighboring counties.
Fort Myers Shores
Lee County
Other cities with a page
Fort Myers Shores's own numbers
Typical home value
$292,900
Typical monthly rent
$1,567
Typical yearly household income
$72,955
Households that own their home
54%
Effective property tax rate
0.67%
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 Shores is worth $292,900: 19% below the county and 18% below Florida. With the typical household income in Fort Myers Shores ($72,955 a year), a typical home costs 4.0 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 Shores4.0 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 Shores 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 Shores$292,900
Lee$362,200
Florida$359,000
United States$332,700
Typical monthly rent
Fort Myers Shores$1,567
Lee$1,712
Florida$1,669
United States$1,413
Typical yearly household income
Fort Myers Shores$72,955
Lee$76,107
Florida$74,568
United States$80,734
See the full table
Fort Myers Shores next to Lee County and Florida
Measure
Fort Myers Shores
Lee County
Florida
U.S.
Typical home value
$292,900 ▼19% below the county
$362,200
$359,000
$332,700
Typical monthly rent
$1,567 ▼8% below the county
$1,712
$1,669
$1,413
Typical yearly household income
$72,955 ▼4% below the county
$76,107
$74,568
$80,734
Households that own their home
54% ▼20 points below the county
74%
68%
65%
Typical yearly property tax
$1,959 ▼31% below the county
$2,858
$2,730
$3,119
Effective property tax rate
0.67% ▼0.12 points below the county
0.79%
0.76%
0.94%
“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 Shores
For a typical $292,900 home in Fort Myers Shores, 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 Shores's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,363a month
Least cash to close
Down payment
$10,252
Cash to close
$19,039
Rate
7.18%
Mortgage insurance
FHA MIP · $130
Conventional, 5% down$2,310a month
Down payment
$14,645
Cash to close
$23,432
Rate
7.18%
Mortgage insurance
PMI · $139
Conventional, 20% down, no PMI$1,873a month
Down payment
$58,580
Cash to close
$67,367
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,144a month
Down payment
$43,935
Cash to close
$52,722
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fort Myers Shores
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,363
$10,252
$287,595
7.18%
FHA MIP · $130
$19,039
580
Conventional, 5% down
$2,310
$14,645
$278,255
7.18%
PMI · $139
$23,432
620*
Conventional, 20% down, no PMI
$1,873
$58,580
$234,320
7.18%
None
$67,367
620*
ITIN, 15% down (example)
$2,144
$43,935
$248,965
8.18%
None
$52,722
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% 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 Shores is $1,567 a month: 8% below the county.
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 Shores
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Myers Shores is in ZIP code 33905.
For 2 bedrooms it is $1,770: $65 less than the fair market rent for Lee County ($1,835).
Fair market rent by ZIP code and size in Fort Myers Shores, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33905
$1,480
$1,490
$1,770
$2,310
$2,560
ZIP code2 bd3 bd
33905 $1,770$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 Shores 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 Shores or Lee County. The ones below are statewide in Florida: they work in Fort Myers Shores 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 Shores, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
LC
Lee County Housing Development Corporation
3677 Central Ave Ste F, Fort Myers · 10 miles away · Spanish
No legal help resource on our list is for Fort Myers Shores 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 Shores 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 Shores?
The typical home value in Fort Myers Shores is $292,900, 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 Shores?
Typical rent in Fort Myers Shores is $1,567 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 Shores?
Fort Myers Shores 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 Shores?
The typical homeowner in Fort Myers Shores pays $1,959 a year, according to the U.S. Census Bureau. That is 0.67% 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 Shores?
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.
