Bonita Springs
Mortgages

Bonita Springs by the numbers

Median prices: Florida Realtors, August 2026 metro report. These are metro-wide figures, not Bonita Springs alone. Loan limits: HUD and FHFA.

Bonita Springs runs above the Cape Coral–Fort Myers metro median. Most homes fit under the conforming limit, but beach and golf-community homes can need a jumbo loan.

What buyers in Bonita Springs should know

• Bonita Beach took surge in 2022. Hurricane Ian flooded much of the beach and low-lying areas. Get the elevation certificate and a flood quote first.
• Club and HOA fees count. Gated golf communities may have mandatory memberships. Lenders count required monthly fees in your debt-to-income ratio.
• Seasonal buyers often use second-home loans. If you'll rent it out, check the community's rental rules first.
• Condos must pass the lender's condo review, and taller buildings must meet Florida's milestone-inspection and reserve rules.

Where buyers look

• Bonita Beach: Gulf-front condos and homes on the barrier island.
• Old 41 and downtown: older homes near the Imperial River.
• Bonita Bay and Pelican Landing: gated golf and bay-front communities.
• East of I-75: newer gated communities and new construction.

Homestead and property taxes

File for the homestead exemption with the Lee County Property Appraiser by March 1 of the year after you close. Your bill resets to the new assessed value after a sale, so don't budget on the seller's taxes.