Most people hear “Florida” and picture Disney World or Miami Beach spring breakers. But flip over the postcard, and you’ll find a side of Florida that’s all about private jets, luxury condos, and zip codes where the grocery stores sell more caviar than potato chips.

If you’re curious about the richest part of Florida to live in, don’t look at the obvious. Palm Beach, for one, isn’t just for retirees and golfers—it’s packed with celebrity mansions, boutique hotels that cost as much as a new car per night, and some of the swankiest shopping strips in the country. That’s just for starters. Naples, Fisher Island, and Coral Gables are loaded with money too, each with its own flavor of luxury living. You’ll find streets lined with Bentleys, private marinas, and restaurants where the checks come with their own leather pouch.

But here’s the kicker—being where the wealthy live doesn’t mean you’re shut out. Deals do pop up, especially in the off-season. Vacation rentals, restaurant specials, and even last-minute hotel upgrades happen, especially if you know how to spot them. If you play it right, you can enjoy the palms and perks right alongside the locals—minus the eight-figure home price tag.

• Florida’s Wealthiest Hotspots
• Everyday Life in High-End Neighborhoods
• Holiday Deals in Pricey Communities
• Insider Tips for Visiting or Moving

Florida’s Wealthiest Hotspots

Look up the biggest pockets of wealth in Florida, and certain places pop up every time—Palm Beach, Naples, Fisher Island, Coral Gables, and Key Biscayne. These aren’t just expensive; they’re packed with history, old money, and headlines about billionaires moving in next door.

Palm Beach is in a league of its own, with the average home price over $3.5 million in 2025 and oceanfront mansions that go into the tens of millions. Names like Trump and Kennedy have owned property here, and it’s full of private clubs like Mar-a-Lago, exclusive golf courses, and Worth Avenue, where just window-shopping can feel like an event.

Naples ranks right up there for luxury. The city’s Port Royal neighborhood is famous for its mega-homes and private beach access. You’ll often see Naples listed among the wealthiest zip codes in the U.S., thanks to high net worth residents who love its calm beaches and low-key vibe—even if that ‘low-key’ comes with a price tag only the top one percent can swing.

Fisher Island is a true oddball—there’s no road to get there, just ferries and private boats. It’s been called the most exclusive neighborhood in America, with a median income pushing $2.5 million a year. The only way onto Fisher Island is by invitation or by owning property there, and there’s less than 400 families on the entire island.

Coral Gables and Key Biscayne are Miami-area favorites with a blend of waterfront homes, top schools, and some of the best landscaping money can buy. Coral Gables is also known for The Biltmore Hotel, historic neighborhoods, and strict building codes meant to keep everything looking sharp.

• Most expensive: Palm Beach, with properties regularly selling above $10 million.
• Most exclusive access: Fisher Island, only reachable by boat or ferry.
• Best for families: Coral Gables, balancing wealth with community and good schools.
• Top for retirement: Naples, with resort-style living and a strong sense of privacy.

If you’re searching for the richest part of Florida to live in, these hotspots set the bar. Even if you don’t plan to buy, knowing these places helps you spot the kind of amenities and deals that come with high-end neighborhoods. And if you ever wonder why your hotel bill is sky-high, it might just be the zip code.

Everyday Life in High-End Neighborhoods

Life in Florida’s priciest zip codes is an experience that goes way beyond big houses. We’re talking security gates, private beaches, and shopping centers built for people who never look at the price tag. Take Palm Beach, for example—here, the median home price sits around $4 million, and neighbors include famous faces and business moguls. It’s not unusual to see folks heading out for coffee in a Bentley or stopping by Worth Avenue, where you’ll find shops like Chanel, Gucci, and Louis Vuitton all within a two-block stretch.

On Fisher Island, it’s a different vibe—it’s famously only accessible by private ferry or boat, and residents get their own beach club, grocery store, and golf carts to zip around. Naples, on the Gulf Coast, feels more relaxed but still oozes wealth, with the median household income topping $125,000, way above the state average. Here, you’ll find high-end farmer’s markets, stunning golf courses, and clubs with all the spa perks you could want. Even the local Starbucks has valet parking during high season.

• Many of these spots have ultra-safe neighborhoods thanks to private security or town-run police forces focused just on their areas.
• Schools in these communities rank in the state’s top brackets, both private and public. Places like Coral Gables High or Palm Beach Day Academy are known for strong academics and after-school perks like sailing or tennis.
• Local parks and beaches are spotless, with some even requiring proof of residency for access. You’ll also get manicured bike trails and pet-friendly parks with staff handing out treats.

If numbers are your thing, check out this quick breakdown for a few standout high-end neighborhoods:

And while all of this sounds out of reach, you actually don’t have to be a multi-millionaire to get a slice of this lifestyle. Day passes for private beaches, tickets for charity galas, and seasonal deals give average folks a chance to experience the richest part of Florida—even if only for a weekend.

Holiday Deals in Pricey Communities

You might think getting a bargain in places like Palm Beach or Naples is impossible, but there are real ways to save even in Florida’s fanciest zip codes. High season runs from about December through April, when the rich and famous swarm in to escape the cold elsewhere. The trick? Visit anytime between May and October. That’s when demand drops, and even luxury hotels roll out serious discounts—sometimes half the winter price. Even The Breakers, the iconic Palm Beach resort, drops its nightly rates and suddenly that five-star pool is a little more accessible.

Vacation rentals on Fisher Island or Naples’ beachfront often slash prices in summer. It’s hotter, sure, but the beaches and clubs are quieter, and you get the same upscale perks—just for less cash. Some high-end condos and private clubs even throw in extras like free golf cart use or a couple of spa treatments to sweeten the deal.

If your goal is a memorable meal, pick the shoulder seasons (fall or late spring). Top restaurants—like The Surf Club in Surfside or Café Boulud in Palm Beach—sometimes offer prix fixe menus or happy hour deals, which are rare when tourists flood in. You can check reservation apps or restaurant websites for promotions. Some resorts run secret last-minute packages through platforms like HotelTonight or their own mailing lists, so signing up can pay off if you’re flexible.

• Visit luxury neighborhoods in the off-season for better hotel and rental rates.
• Look for bundled packages—resorts may include extras like parking or credits for restaurants or spa treatments to fill rooms.
• Use booking sites to set alerts for price drops in targeted areas.
• Call properties or visit their websites directly; some deals never show up on third-party platforms.

If you’re willing to tweak your timing or be a bit spontaneous, living the luxury life—even for just a long weekend—gets a whole lot more doable, right in the richest part of Florida.

Insider Tips for Visiting or Moving

If you’ve got your eye on the richest part of Florida, don’t just show up and hope to blend in with the locals. Whether you’re coming for a getaway or seriously thinking of making the move, here’s some real talk about how to get the most out of these high-end areas without looking (or spending) out of place.

• Travel in the Shoulder Season: The fancy neighborhoods get expensive and crowded between December and April. Visit in May-June or September-early November—prices drop, crowds thin out, and you’ll still get that warm Florida sunshine.
• Look for Weekly Rentals: Instead of high-priced hotels, look at platforms like Airbnb or VRBO for hidden deals. Sometimes you’ll score a week in a luxury condo for less than a couple nights at a five-star resort.
• Eat Like the Locals: High-end restaurants offer crazy good lunch specials, even in spots like Palm Beach and Naples. Don’t skip happy hours—fancy bites and top-shelf drinks for a fraction of the dinner price.
• Join Free Tours and Social Events: Museums, garden clubs, and even yacht clubs host open events, especially off-season. It’s a cool way to check out the local vibe without splurging.
• Talk to the Realtors: If you’re house-hunting, connect with a local realtor who specializes in luxury listings—even if you’re just curious. They know the real deals and what to avoid (especially condos with huge monthly fees).

If you’re moving, plan for a higher cost of living. Groceries, gas, and even gym memberships run higher than the state average in these areas. Here’s what you can expect in some of the priciest Florida zip codes:

Thinking of settling down? These neighborhoods have super low crime rates and top-rated private schools, but public school options might be limited. Health care is high-end, with leading clinics right on your doorstep—make sure your insurance covers the zip code.

• Pro Tip: Many residents get around in golf carts—it’s a thing in Palm Beach and Fisher Island. Some neighborhoods even have exclusive beach access for residents, so ask about these perks if you’re considering a move.

Bottom line: living or vacationing in Florida’s wealthiest pockets takes some planning, but you can enjoy the vibe even without a billionaire bank account. It’s all about knowing where to look—and when to go.