10 Critical Things to Know Before Moving to Palm Beach in 2025

Thinking about moving to Palm Beach? You’re not alone. This sunny paradise in South Florida has become one of the most desirable places to live in the U.S. — but there are a few things you need to know before you pack your bags.

Whether you're relocating for the luxury lifestyle, tax benefits, or year-round sunshine, here are the top 10 things that could change your perspective — and possibly save you money, time, and stress.

🌴 1. It’s Not Just for Retirees Anymore

Palm Beach has a reputation for being a retirement haven, but that’s changing fast. Young professionals, tech entrepreneurs, and families are moving in, drawn by remote work flexibility and a booming social scene. Don’t be surprised if your neighbor is a 30-something hedge fund manager or startup CEO.

💸 2. Yes, It’s Expensive — But in Ways You Might Not Expect

Palm Beach isn’t cheap — and not just when it comes to real estate. Property taxes are lower than in many states, but insurance costs, HOA fees, and the price of goods and services can add up quickly. Many newcomers underestimate the true cost of living here.

🌀 3. You Must Be Hurricane Ready

Living in paradise comes with a catch: hurricane season. From June to November, you need to be prepared with insurance, storm shutters, and an evacuation plan. Not all homes are equally protected — especially older ones. Before you buy, inspect carefully.

🏡 4. Insurance Is a Beast

Florida has the highest homeowner’s insurance premiums in the country. Some companies are pulling out of the market entirely. If your future home is older, has a wood frame, or lacks impact windows, your rates could be astronomical — or worse, you may not get coverage at all.

🚗 5. Traffic Is Real (and So Is the Lack of Public Transit)

Palm Beach may look relaxed, but the roads get packed — especially in season (November to April). Public transportation is minimal, and most residents rely on their cars. Expect longer commutes if you live off the island or in western neighborhoods.

🏊 6. Pools Matter More Than You Think

Here’s a shocker: in South Florida, a home with a pool can sell for up to 50% more than one without. Even if you’re not a swimmer, having a pool can be a game-changer for resale value — and social clout. Buyers expect resort-style living.

🧑‍⚖️ 7. HOAs Can Be Overbearing

Many communities in Palm Beach have strict homeowners’ associations. From paint colors to mailbox styles, HOAs often dictate how you maintain your property. Some are well-run; others can be expensive and invasive. Always read the fine print before buying.

🌞 8. The Sun Is Brutal — Plan for UV, Not Just Views

With an average of 238 sunny days a year, Palm Beach sounds like a dream — until you realize what the UV rays can do. Sun damage is real, both to your skin and your home. Think high-grade window tinting, daily sunscreen, and regular roof maintenance.

💼 9. Real Estate Moves Fast — Don’t Wait

Inventory is growing, but demand is still strong. The best properties go quickly. If you’re house-hunting, get pre-approved and be ready to move fast. Work with a local agent who knows the ins and outs of the market (yes, I can help with that 😉).

🏖️ 10. It's Still Worth It

Despite the warnings, people fall in love with Palm Beach for a reason: the lifestyle, beauty, and tax advantages are hard to beat. With the right planning, you can enjoy all the perks and avoid the common pitfalls.

🎯 Final Thoughts: Be Informed, Be Prepared, Be Palm Beach Ready

Relocating to Palm Beach is a major decision — but an exciting one. By understanding the local market, lifestyle, and hidden challenges, you'll be better equipped to make a smart move and thrive in your new community.

Looking for expert help buying or selling in Palm Beach? Contact me today — I specialize in helping new residents navigate this unique market.