7 Things You Need to Know Before Moving to Destin, Florida

Thinking about moving to Destin, Florida? On the surface, this Emerald Coast destination looks like pure paradise: white-sand beaches, turquoise waters, and that permanent vacation vibe. But living here full-time is different than visiting for a week.

Since my family moved to Destin back in 1999, I’ve learned a lot of insider lessons—things you won’t find on Zillow or in glossy vacation brochures. If you’re planning to relocate to the Emerald Coast, here are seven things you really need to know about living in Destin, FL.

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Destin thrives on tourism, and life here looks completely different in March compared to October. During peak season, traffic on Highway 98 can triple, restaurants fill up, and even the vibe of neighborhoods changes. Locals quickly learn to use back roads and time errands around busy hours.

Airbnb and vacation rentals are common, but not every neighborhood allows them. Some areas embrace short-term rentals, while others have strict HOA or zoning rules. If you’re buying a property, whether for investment or for peace and quiet, it’s essential to check the rules before committing.

If you’re moving with kids, you’ll want to pay close attention to school boundaries. Destin Elementary has a strong reputation, but middle and high school families often look to Niceville for competitive academic and athletic programs. Understanding school zoning upfront helps ensure you land in the right area for your family.

Coastal living often comes with additional insurance requirements. Homes near the water may fall into flood zones, which means you’ll need flood insurance. Premiums can get pricey, so be sure you know the property’s zone before falling in love with a waterfront view.

Golf carts are a popular way to get around communities like Regatta Bay, Kelly Plantation, and along Scenic 98. But don’t confuse Scenic 98 with U.S. Highway 98—golf carts are not allowed on the highway, and driving there can earn you a quick ticket. Always double-check neighborhood rules before buying that golf cart.

Yes, the beaches are stunning—but Destin also offers bayfront living, boating on Choctawhatchee Bay, dining along the harbor, and year-round festivals. Many newcomers are surprised to discover how much more there is to enjoy beyond the shoreline.

Destin is, at its heart, a small town. That’s part of its charm, but it also means limited housing inventory, fewer big-box retailers, and sometimes a 30-minute drive to Sam’s Club or Aldi. Some love the slower pace and boutique feel, while others miss the conveniences of larger metro areas.

Moving to Destin can be an amazing lifestyle change—but it’s important to know what to expect before you pack up. From seasonal crowds to neighborhood rules, school districts, and insurance costs, the little details matter when choosing where to live.

If you’re dreaming about life on the Emerald Coast, I’d love to help you navigate the local market and find the right neighborhood for your lifestyle.

Is Destin, FL a good place to raise a family?
Yes—Destin offers family-friendly communities and great elementary schools, though many families consider Niceville for middle and high school options.

Are there job opportunities in Destin?
Most jobs are in tourism, hospitality, and retail, though many residents work remotely or commute to nearby cities.

Is Destin affordable to live in?
Housing, flood insurance, and HOA fees can increase costs compared to inland areas, but Destin offers unique lifestyle perks that many find worth the investment.

Do you need a car in Destin?
Yes. While some areas are golf cart-friendly, most residents rely on cars to get around—especially when commuting outside of Destin.