What Is It Really Like To Live In Florida (2024)? Florida Pros & Cons Explored!
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- เผยแพร่เมื่อ 29 มิ.ย. 2024
- If you've been contemplating a future move to Florida, it's essential to understand the pros (advantages) and cons (disadvantages) of residing in the Sunshine State. Florida boasts paradisiacal qualities, but it also comes with its share of drawbacks.
The insights in this list are drawn from my 13 years of experience living in Florida. I've compiled this list based on my observation and the feedback I have received from others as well. It's a collection of observations I've gathered over the years that I believe are important to keep in mind if you're considering to move to Florida.
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🔴DISCLAIMER: All content provided on this TH-cam channel and via this channel (including documents and sheets) are for educational and entertainment purposes. The owner of this channel, Anne Katrin Pfitzenreiter, PLLC (Katrin), makes no representations as to the accuracy of any information on this site or in the documents. The information on this channel does not substitute consultations with local real estate agents, mortgage brokers, insurance brokers, financial advisors, and lawyers. The information provided is subject to change, as they so often do in this fast-paced world. The use of the internet and digital methods for communications with Katrin such as e-mails and sharing of the documents/sheets described in this video does not establish a formal business relationship. Katrin or any of the channel guests will not be liable for any mistakes in this information. Katrin or any channel guests will not be liable for any injuries or damage from the display or use of this information.
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00:00 - Intro
01:04 - Pro 1
02:07 - Pro 2
03:05 - Pro 3
03:48 - Pro 4
05:40 - Pro 5
06:23 - Pro 6
06:57 - Pro 7
07:42 - Pro 8
08:45 - Pro 9
09:36 - Pro 10
10:31 - Transition
10:39 - Con 1
11:21 - Con 2
13:21 - Con 3
12:57 - Con 4
13:59 - Con 5
15:48 - Con 6
17:20 - Con 7
19:22 - Con 8
19:23 - Con 9
19:44 - Con 10
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What is your love of FL and what is your pain point? Please leave below.
Love beaches, Weather, People, Freedom, and close to the Caribbean, Cons; Homeowner insurance, Car insurances, low wages.
@@dreyes8948 I agree so stayed in ORD to make more $$$$. Been there 500 days better now but only Gov jobs pay well. My Friend out at 51 full pay and ins too and I'm Glad she made it..😁😁😁😁
The Beach is the main thing for me but my pain point is most of the don't let dogs on the beach. And if theirs a dog beach is not nice & it's noisy right off the road like the 1 Bird Key Park. I'm still trying different places for dog beach parks. My first day in Sarasota.
Try Brohard Beach in Venice :)@@GHE2005
@@katrinreal Thx u I found that one. ☺️🐕
Been here most of my life, but not born here. My only reason for being here now is family, but honestly, my gripes are first and foremost the heat and humidity, no real change of seasons, you have to drive everywhere you want to go, too spread out, and nothing to do. I know, there is fishing, boating, the beach, amusement parks. But that all gets old real fast. Also, the big issue of hurricane season. We already got flooded out from Ian. I miss season changes, needing a coat, a white Christmas. Seeing my breath when it is cold😊
The main problem in Florida is simply the Home Owner Insurance unaffordability. Period. There is no need to look at any other aspects. If this hurdle can't be cleared, then there is no hope.
the problem is houses are built with an intent of a destruction from a natural disaster by construction companies. If one builds a normal house (ie no house from cardboard), it should withstand the hurricanes. For example, I do not see multi-storied concrete buildings disintegrate from the wind...
Hi Katrin,I'm so impressed with your ability to provide top rate excellent advice and observations, while also providing quality,top notch TH-cam videos for the public to consume. I know from my own experiences, that is no small task,totally in awe!😊😊
John, you are so nice! Thank you so much for the nice words! I wish you a great week ahead!
We're thinking of moving to Florida and found your video very informative
Thank you for watching!!
Another great video!! Thanks
Thanks for watching!
Thank you for all this information
I'm just looking to move back home..by myself, though! So, why not? I grew up there, and that's home for me!👌 The climate is big reason for the decision, opposed to the extreme Desert dryness!
Well, unfortunately I’ve been here for 2 1/2 years and the only thing that seems to be getting worse is everything inflation the traffic the taxes, the insurance, the taxes, the insurance and the taxes the insurance- Did I mentioned the insurance? it’s just getting horrible it’s time to leave It’s becoming utterly unaffordable-
Affordable is relative. We came from Maryland and Florida is cheaper compared to Maryland. The insurance depends on where you live. We put a metal roof on our house and our insurance is under 2k
@@livingmybestlife365 How many Sq Ft house and Roof $$$ ???
@@jimshoe402 1800 sq Ft. Two level, 3/2 in ground pool. Roof was 16k
@@livingmybestlife365 I'm a carpenter SIR !!! Very Find job Sir I bet mine is that today a 2 story 1500sq ft was $3K in 2008 5* asphalt.. Most things there is a " Way Around It " but u have to LOOK !! My ins $1400 in ORD 😁😁😁😁😁😁😁😁😁😁😁😁😁
@@livingmybestlife365that’s why we decided not to get a pool. Every insurance company asks- Do you have pool? We already got non-renewed cause our company pulled out of Florida.
Very helpful info - thanks!
🙂
Everyone's situation will be different. For us, moving from the NW suburbs of the Chicago area down to Bradenton, our total state income tax savings ALONE covers all of our basic living expenses (basic food, utilities, property tax, home/auto insurance). As for home insurance, we secured our FL policy through State Farm and specifically found a home built after March 2022 (stricter hurricane building code), X/1-zone, no flood zone and do not back up to water. Compared to our IL policy, our FL policy went up $120 per month. Yet again, this increase was covered with our state income tax savings. Bugs, gators, critters, humidity, politics, hurricanes, etc are all givens -- one has to accept that before even considering FL. As for the influx of people, really don't notice it coming from a major metropolitan area. Yes, FL was the right choice for us and never looked back.
Thank you for sharing!
@TM...... sorry, but there's no way your saving cover your property taxes/insurance down here in FL. Insurance down here is one of the biggest scams in the nation !
I live in Alachua County (Gainesville) which is the one of the top 5 most expensive counties in Florida to live and has the highest utility costs per month. This is considered north central so we’re 90 minutes from the Atlantic Ocean (St. Augustine or Jax) and 90 minutes from the Gulf of Mexico (Cedar Keys). We’re 1 1/2 hours from Tampa, 2 hours from Clearwater Beach. Gainesville used to be a beautiful family city; however, the crime rate has skyrocketed, especially violent crimes including murder. Our utility costs are THROUGH THE ROOF because we only have one provider so there’s no choice. For whatever reason, Gainesville has been allowed to have a legalized monopoly because our only utility provider is Gainesville Regional Utility. It’s common to pay $500 a month for electricity/water/sewer/trash while living in a 2 bedroom apartment that cost you $1,500 a month to rent! Insurance? Forget it! Health, car, home, renters - it doesn’t matter, no one can afford it now. We have a HUGE homeless population because we’re considered a sanctuary city; however, city officials do absolutely nothing to get these people some help. With this increasing homeless population, we now have trash thrown absolutely everywhere. We went from a clean beautiful city to a trash dump. Gainesville residents are flooding out of this county. I’m not far behind but I’ll be moving to a cheaper area in Florida. There’s no way in hell I’ll ever live anywhere north of Florida again.
Hum, in reference to your post " We have a HUGE homeless population because we’re considered a sanctuary city; .................... Hum! I thought The governor of Florida was against Illegal Migration, but allows sanctuary cities? I dont understand? But I guess thats politics. I am in Newark NJ and this is beyond reasoning... Its also a sanctuary city with about 60 % if not more illegals , many homeless are also coming from NY to find work , there is not even work here for Legals, we talk to many illegals that are coming here daily ,days weeks, months ... Its
I enjoy watching Katrin’s videos! Consider posting more Florida lifestyle videos, such as your trip to Key West.
Thank you. Good feedback! I haven’t been able to take some time off but hopefully soon ;).
We love Katrin's channel, Sunrise out in the Gulf, Sunsets on the beach, Boating, waterfront dinning, Pickleball, shelling, fishing, grilling, get togethers, golf, and if time allows the fresh water springs in the summer. August is all about the honey do list inside of the house. IMO Homeowners has topped out. Most likely 2 or 3 years before some modest relief.
Thank you Junior! Agree with your list also ;)
New subscriber!! ❤
Yay! Thank you!
I was in Gainesville, Fl for a business trip twenty years ago. The city was gross, the heat was awful!
I am interested in leaving California. I've been pricing mobile homes as I am retired. Your information was helpful.
Best of luck!
Best decision we’ve made to move here. If you have the drive and surround yourself with the right people the sky’s the limit. There at so many opportunities, just take them. Given the politics and environment in other states, there just isn’t a better place.
Thank you Alfonso for adding your thoughts. Hope you all are super happy in your new home!
I'm with you, I'm in Citrus county and love it, I've been here a while, and by your comments I can tell your good people, Welcome to Florida!!!!!!!!!
Be extra carful on our roads, people are freaking nuts. I'm sure you know what I mean.
I’m a full grown adult and mom always told me that oh it’s to far from Michigan even though I’m hoping that someday I’ll be buying a house there either in Sebastian Florida or Tampa area I agree on everything you said speaking about living in the Western Hemisphere it sucks a lot Florida and Japanese tropical style pop music has inspired me some
I'm visiting my mom in the St Petersburg, Treasure Island area. Her property tax didn't go up but her insurance went WAY up. The insurance company is really greedy & the new insurance law makes it even worse. My mom calls the insurance company vouchers. 😂
Thank you for chiming in!
Moving to Florida after having some great vacations here is like having great time on a few dates with a really hot girl or guy then deciding to moving in together based on those few experiences. It isn’t until you move in together that you realize he or she is a totally deranged lunatic.
Exactly!!! I told my husband the same thing! Lol 😂
Which state u think is better
Florida,Texas ,California or North Carolina and why
My shed was full of Black Widows and Bark Scorpions_...so if all you get is snakes count yourself lucky keep clutter to a minimum!
Where did you live ? The Everglades?
North Central. lots of farms and vast tracks of pine forest. We rarely encounter gators or snakes for some reason.
I've never heard anyone talk about the pests. Doesn't Florida have big snakes and spiders as big as dinner plates?
Your videos are so interesting, thorough and thought provoking. I find it surprising that ppl would dislike the political view of Desantis . Compared to greusom in the state of ca- Fl is very fortunate. This is a very controlled, poorly managed(financially) state. It's like being in a prison. About 70% of the yr is good weather,very little rain.Our HI tax $ disappear and it's very frustrating. There are about 7+measures for raising taxes that groups are fighting against. Including being taxed for every mile you drive. We live in our car and things are very far apart. Nobody wants this we are already paying exorbitant taxes. Can't say there's an issue with bugs. I've never seen a gator in my life. People are friendly. But the high price of homes is Out Of Reach for people in their thirties. Taxes on businesses is outrageous and businesses have left or are leaving because of it. I have a strong strong desire to move near family in Florida but the humidity is the bottom of the list whereas home insurance and bugs are at the top of the list. I'm really battling with it. But this state and many things about it had become such a turn-off that there's no reason to stay anymore. beach is theeee pull. Thanks so much for all your videos.
Than you so much also for your input!
What site are you using for that demographic data/info? Thanks!
Question from someone who does not live in the US: do you have to pay home insurance? What does it cover? Mostly here in EU nobody pays home insurance so its quite odd
Only way is to buy inland....avoid any flood plains...cash out a house...go naked on insurance..roll the dice....
never a good idea not to have insurance
😁😁😁😁 Naked means Raped sooner or later.I'm maxed out on Ins as in Lots..HaH😁😁
@@katrinreal ...good point..however , the actuarial tables are off the chart...premiums can't be close to 10% total value...basically buying the house twice in10 yrs...I have the ability to reconstruct if needed...most don't have that option.....I don't think inland premium spikes should help pay hurricane zone rebuilds
Live in south Fl , love the beach !! we go very often , beautiful beaches , but cost of living here is insane !! Very expensive !!! No good jobs, salaries are very very low !! No big corporations here , I’m an RN and we are underpaid , Fl hd changed a lot in the past 5 years, here people live 10 in a house so they can afford to pay rent, I will relocate soon, and to buy a house here no thank you
Will you relocate within FL or leave the state altogether?
@@katrinreal we are leaving the state , I rather have more stability in another state and come here often to see the family and enjoy the beach , I’m an RN , here we are underpaid
Living in Florida is all Conn's
That’s why many people are moving here
I think stages of life have to be taken in to consideration, well as long term interests, resources needed to live in the either areas in Florida…Miami, Tampa and Orlando are very different…
Most states have a “city” / “metro” area, is a matter of finding a good place where your long term are
I really have to know how the people currently in FL are dealing with the insurance companies and how high did the insurance companies raise their premiums in response to past hurricanes and have they ever went back down. Im really looking at the treasure coast (although more inland and further away from the actual coast) but the insurance premiums is what’s keeping me from taking the plunge. The bugs and the extreme humidity is something I can always deal with (my family is from the Caribbean so it’s in my DNA lol)
Like I said before, the home owner insurance problem is the only problem, and the biggest hurdle. No need to look any further than that.
It depends where you live on how much you pay for insurance, we don't live in a flood zone. if you do you pay more . Ours still isn't bad at all, we live 18 miles from the ocean, and we have hills between us, and it we don't have any bills except electric, and our well water is a zero, on the zero water tester. We all carry guns, you'd have to be nuts, to try anything here, as you would be carried away, heaver than you got here, (from the lead) You want to live on the beach, or the keys, your gonna pay, better sell you million dollar Calf. home
Most of us support Ron, and what he and our legislature has done for Florida, a 9 billion dollar excess in tax dollars for any emergency, and we don't pay income tax to the state. NY can't get by with an income tax, and a tax for just about everything else, after they line their pockets. And the parks, and wildlife are amazing!!!!!!!!!!! That's what Florida is really about.
My biggest complaint about Florida is our toll system, it's freaking expensive. If you travel the toll roads every day, the Florida gov. will give you half back, but it's still crazy expensive Block toll roads on your GPS, unless your loaded with cash .
I drive to Tampa a lot as I live in Homosassa, It only takes 20 min more avoiding toll roads, most of the time. Oh and I forgot about our roads, most go nowhere as their courts, or circles, and our roads have names like Twin Hills BLVD, AVE and STREET, all at the same time? liquid lunch I guess?
Any place you go is too high
It's not laid back at all? Living in Las Vegas is! To the point of being Boring. South Florida is stressful AF!!🤨 But I'm still going back..
The weather as a pro is the thing I disagree with the most, I think it is almost just beat into everyones head so much they think its true. I lived in Florida for years. Now we moved up north. Where we live, we have about 3 months of very cold weather (January, February, and March.) April, November and December are hit and miss but genrally most days are light jacket and jean days. The rest of the year is amazing. In Florida, however, It was basically late April through Almost early November (6-7 months) of mostly oppressive heat, humidity, and yes when the sunshine that beats down non-stop hits your skin it makes those 88 degree days feel like 100.
3 months of cold weather here (where we often take one or two weeks vacation during that time to break up the winter by going to a warmer place) for us is MUCH better than 6+ months of heat where you are just running from an air conditioned building to an air conditioned car and then running back into an air conditioned building.
Not once did you mentioned where “up north” you moved too. This alone makes me doubt the truth of your reply. I can’t help but wonder if you’re just another shill for the Democrat Party which is very much afraid of losing electoral votes in the northern states that are mostly, and poorly, run by Democrats. I currently live on Long Island, New York ($$$) and I’ve looked at real estate in New England (mostly New Hampshire, Maine and Vermont) and I easily observed the much higher cost of their homes which doesn’t include the poor conditions that the homes are in requiring expensive renovation work on top of the sales price, and of course the higher utility costs. Financially there is no way you made out better moving “up north,” unless you moved to North or South Dakota, West Virginia or maybe some very rural area of Pennsylvania. North Carolina or Tennessee - financially and weather wise - what you saying might hold true. Rs
Wow, that is what you are worried about? get a life guy. I see no reason when taking part in a conversation on youtube to give the exact location of where I live or personal details to satisfy someone like you who cares SO MUC about your political party that you fragile ego obviously needs the emotional victory lap you think you are getting by calling someone out because you are looking to do so. And I am VERY far form being a political shill for the left. Maybe before you think of how expensive your little area of the country is and project that to the rest of the county to the west of you, how about doing a little research before you take a shot at someone who you just don't like hearing the truth they are telling you?
Try looking at parts of the midwest. Lots of places within 100 miles of Cincinatti fall exactly under my description. Financially we certainly are making out better, lower cost of housing here than in Florida, and again, maybe everything is falling apart in Long island but that is NOT the case here in the midwest. Plenty of new houses, communites with houses builid in the last 20 years.@@Falla76
There is no change of seasons, it's hot and humid all year long.
👍
I’ve been in Florida since 2017 and still never saw ONE alligator. Wondering where people are finding all of these alligators.
Lakes mainly. I see them almost daily :).
The only time I seen one was in Weston Everglades at the zoo😂
After Hurricane Irma in 2017 with our pool cage ripped to shreds we had a HUGE alligator sitting a few feet from our pool cage opening. They live in the many retention ponds in communities. They also have been known to go into lanais, jump into pools and into open garages in SWFL near Fort Myers and Naples.
My daughter and her family are building a home on a lake in Florida. Will see if they can handle it and yes there are alligators in that lake.
43 degrees tonight, frost on my windows Central Florida. Been here a while, that's cold. Great outdoors, very little for kids to do, and the people are getting bad, because they come from all over. Drivers are impatient, 80 in a 55 is normal, and you better keep up. No one goes to Disney any more. no lines that's a good thing. Tampa zoo is a lot better. Housing don't come here, if your looking to rent unless you have 2000. a month. And houses are around 350.000 to 700.000 for a mediocre house. Don't come here broke, you'll just go home anyway. And it's our legislature, not Ron. he gets the blame, but they make the laws. Just like your state......If you come here, watch your dogs, or they will be lunch. A gator can outrun your dog in short distances....Maybe you shouldn't come here for a hurricane, we don't even want to be here for a hurricane, what is she talking about?
Built a house in Cape Coral 1979 - Never got hit hard (tree damage - Yes), never structural all these years, even last year with Ian. Sold the property last November not because of the fear of the weather, in a Tropical Climate _ Expect that. However the drop in property prices, the cost of or the cancellation of Insurance, rising Taxes, some of the New Folks Moving Here, Etc . . . . Paradise Lost.
Is it hard to get jobs in FL and what do thay pay
Summer in Florida is like going into the gates of Hell!!!!!!!!!!!!!!!!!!!!!!!!!!!
I love the summer heat :)
Why you never talk about the tolls? I received a bill in the mail from passing through. I never seen any toll signs.
Given some of the other major increasing costs, the toll costs are so far down on the list. Sorry.
@katrinfromyoutube my daughter in law is a real estate agent and pay 4 to 500 dollars a month on the toll roads but there is no state income tax...yeah ok. .there is no free lunch you pay it one way or another.....traffic is utter hell and depressing yeah there are nice places but u have to drive and have money....I don't know how young people afford it....some work 2 to 3 jobs ...in Central Florida there is nothing worth looking at under 400 grand then ur in a bidding war with an out of state buyer...it's not all party party and party u have to have a good paying job to live here ..all of these videos rarely mention work...I've been living here 50 years I have my house fixed up like a resort with a big screened in pool...we enjoy life while we listen to the sirens and traffic fatalities ...we only drive around our neighborhood and don't bother with the rat race...we blessed to be airline retirees so we can jump on a plane and go to a place less crowded less expensive and enjoy ourselves before head back to "heaven"...in Orlando us locals say there is no hell only Orlando...
Because of the taxes, insurance and many other taxes it is to high and people are leaving.
$5000 for insurance?? That’s totally shocking unless you have maybe a $3 million dollar home.
We own a 1400 sq ft rental in southgate Sarasota, got quoted $6200 for insurance.
Two days to make this right.
Thursday and Saturday.
Then I'm leaving.
No cell phones.
Only cash.
I'm outta here.
I gotta a rich lawyer
buddy who will protect me.
anyone from Hawaii ?
she thinks NPR is right down the middle....hilarious!!
I'm going to guess that you are a Pisces.
Time to move! Don’t even think of moving to Florida if you’re a Liberal
Florida is not for me. Because they get hurricanes and they have a lot of bugs they're.
Fact. FL does NOT have the largest coastline in the US. That would be Alaska, by far. Get your facts straight.
Alaska actually has more coastline than the entire country in the lower 48. Get your facts before saying something stupid.
No snow in Florida
It does in mainland US. Learn some stinkin manners and learn to keep your mouth shut before you say something stupid.
I think it’s easier and cheaper now to just rent. When u get tired of it, just leave.
Not so sure about that with mortgage interest rates dropping.
@@katrinreal I guess I’m referring to all the associated costs: insurance, condo fees, repairs, flooded homes, etc. Sometimes it doesn’t seem worth it…
Florida is sinking and affecting home insurance prices everywhere...😮