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City · 11,176 residents · Lee County, Florida

Gateway , Florida

In Gateway, a typical home is worth $453,900 and typical rent is $1,886 a month. Compared with all of Lee County, typical household income is 41% higher, the typical home value is 25% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $453,900

    25% above the county

    26% above Florida

    • Gateway
    • Lee
    • Florida

  • Typical rent

    $1,886a month

    10% above the county

    13% above Florida

    • Gateway
    • Lee
    • Florida

  • Typical household income

    $107,484a year

    41% above the county

    44% above Florida

    • Gateway
    • Lee
    • Florida

  • Households that own their home

    85%

    11 points above the county

    17 points above Florida

    • Gateway
    • Lee
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Gateway 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Gateway apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Villas, the typical home value is $248,700: 45% less than in Gateway ($453,900).

  2. The typical household income in Gateway is $107,484, 41% more than in Lee County as a whole ($76,107).

  3. The typical home in Gateway is worth $453,900, 25% more than in Lee County as a whole ($362,200).

  4. Nearby, in Fort Myers, the typical rent is $1,580: 16% less than in Gateway ($1,886).

  5. 85% of households in Gateway own their home, against 74% in Lee County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Gateway

What homes there are in Gateway, 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

In Gateway, 7 in 10 homes are single-family detached houses; in Lee County, 6.

Year built

Here half of the homes date from 2005 or later; in Lee County, from 1997 or later.

There is more room for a big family here: 75% of homes have 3 bedrooms or more, against 57% in Lee County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,351 a month

Lee County: $1,921 a month

Without a mortgage

$881 a month

Lee County: $758 a month

Owners with a mortgage

65%

Lee County: 52%

Owning costs more in Gateway: with a mortgage, the typical cost is $2,351 a month; in Lee County, $1,921. Without one, $881.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Gateway does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Lee County the typical home value rose 61%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureGatewayLee CountyFloridaUnited States
Rental vacancy Unreliable estimate10.3%7.6%5.5%
Homeowner vacancy Unreliable estimate1.9%1.4%0.9%
More than one person per room Unreliable estimate2.4%3.3%3.4%
People per household 2.572.452.512.53
Drive alone 67%71%70%69%
Carpool Unreliable estimate10%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%15%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Lee County, a household in Gateway has 2.57 people on average.

Working from home is more common in Gateway: 23%, against 15% in Lee County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Gateway?

A typical home costs more than the typical income allows

We start with a typical home in Gateway, worth $453,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Gateway, which is $107,484 a year. For that payment to be 28% of income, a household would need to earn about $160,044 a year.

The calculator's FHA and conventional loan limits are those of all of Lee County.

Your numbers

Local data
$

Starts at the typical home value in Gateway. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,887 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,734

at 7.18% · 30 years

Loan amount
$445,678
Total interest
$641,226
Paid off in
November 2056

Includes $7,665 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,508 a month

  • Tight

    $2,508 to $3,225 a month

  • Hard

    more than $3,225 a month

    Your payment · 42%

Compared with the typical household income in Gateway ($107,484 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,734
Principal & interest$3,019
Property tax$325
Home insurance$189
FHA mortgage insurance (MIP)$201

You need at least $15,887 for the down payment, plus closing costs.

Next step

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.

The city and its county

Gateway and Lee County

Gateway 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).

Gateway's own numbers

Typical home value
$453,900
Typical monthly rent
$1,886
Typical yearly household income
$107,484
Households that own their home
85%
Effective property tax rate
0.86%

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.

Everything about Lee County

Buying

Buying a home in Gateway

A typical home in Gateway is worth $453,900: 25% above the county and 26% above Florida. With the typical household income in Gateway ($107,484 a year), a typical home costs 4.2 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.

  • Gateway 4.2 years
  • Lee 4.8 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Gateway 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
  • Gateway $453,900
  • Lee $362,200
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Gateway $1,886
  • Lee $1,712
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Gateway $107,484
  • Lee $76,107
  • Florida $74,568
  • United States $80,734
See the full table
Gateway next to Lee County and Florida
Measure Gateway Lee County Florida U.S.
Typical home value $453,900 $362,200 $359,000 $332,700
Typical monthly rent $1,886 $1,712 $1,669 $1,413
Typical yearly household income $107,484 $76,107 $74,568 $80,734
Households that own their home 85% 74% 68% 65%
Typical yearly property tax $3,895 $2,858 $2,730 $3,119
Effective property tax rate 0.86% 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 Gateway

For a typical $453,900 home in Gateway, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Gateway's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,734a month

    Least cash to close
    Down payment
    $15,887
    Cash to close
    $29,504
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $201

  • Conventional, 5% down $3,651a month

    Down payment
    $22,695
    Cash to close
    $36,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $216

  • Conventional, 20% down, no PMI $2,974a month

    Down payment
    $90,780
    Cash to close
    $104,397
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,394a month

    Down payment
    $68,085
    Cash to close
    $81,702
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Gateway and for Lee County.

Property tax

Effective rate in Gateway

0.86%of the home’s value each year

$3,895 a year for the typical owner in Gateway.

  • Gateway 0.86%
  • Lee 0.79%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Lee County

FEMA does not publish these numbers by city: they are for all of Lee County.

Homes in the high-risk zone
42%
145,195
Of those, with NFIP insurance
47%
County Florida U.S.
Homes in the high-risk zone 42% 13% 3.5%
Of those, with NFIP insurance 47% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Gateway

Typical rent in Gateway is $1,886 a month: 10% above 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.

HUD fair market rent for all of Lee County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Gateway

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Gateway is in ZIP code 33913.

For 2 bedrooms it is $2,220: $385 more than the fair market rent for Lee County ($1,835).

  • 33913 $2,220$2,870

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Gateway 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Gateway

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Gateway

No down payment, repair or rent-help program on our list is for Gateway or Lee County. The ones below are statewide in Florida: they work in Gateway the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Gateway

The HUD-approved agencies closest to the center of Gateway, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Lee County Housing Development Corporation

    3677 Central Ave Ste F, Fort Myers · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (239) 275-5105

  • Affordable Homeownership Foundation Inc

    5264 Clayton Ct Ste 1, Fort Myers · 8 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (239) 689-4944

  • Habitat for Humanity of Lee and Hendry Counties, Inc.

    12751 New Brittany Blvd Ste 100, Fort Myers · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (239) 652-4663

Every agency in Lee County All counseling agencies in Florida

Help in Spanish near Gateway

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Gateway

HUD’s record names them for Gateway or Lee County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Lee County Housing Authority Public housing and Section 8 vouchers (239) 360-8038

One other authority has an office in Lee County: see the list Source: HUD

Cities

Other cities in Lee County

These cities are also in Lee County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lee County Housing in Florida
See 5 more cities in Lee County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Gateway, with the typical home value.

Neighboring counties

If Lee County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Gateway.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Gateway

Short answers with the numbers for Gateway 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 Gateway?

The typical home value in Gateway is $453,900, 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 Gateway?

Typical rent in Gateway is $1,886 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 Gateway?

Gateway 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 Gateway?

The typical homeowner in Gateway pays $3,895 a year, according to the U.S. Census Bureau. That is 0.86% of the home’s value; in Lee County, the rate is 0.79%.

Where can I find free help to buy or rent in Gateway?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).