A house in Florida. First the big picture, then the details.
In short: your own house in Florida is property in US dollars, outside Germany. Your house is newly built in the north of Cape Coral, with or without canal access, and the city inspects every construction stage separately. We talk you through houses, locations and numbers in a free 15-minute call.
Updated on · Michael Jung, Broker specialising in tangible assets
The approach
Four views of one house. From high above down to the water.
1 / 4 · USA
Part of your wealth outside Germany.
A house in Florida belongs to you, registered in the USA, valued in US dollars. It does not depend on the euro, on German tax law or on the German property market. That is the point: not everything in one place.
2 / 4 · Florida
A state people move to.
From 2024 to 2025, Florida gained almost 200,000 residents.
Florida itself levies no personal income tax. US federal tax still applies, and you remain liable to tax in Germany.
3 / 4 · Cape Coral
More than 640 kilometres of canals.
Cape Coral on the Gulf Coast is crossed by canals, more than 400 miles in total. They drain rainwater and turn many plots into waterfront plots. Lee County, where Cape Coral lies, welcomed more than three million visitors in 2025.
4 / 4 · Your house
Newly built, inspected stage by stage.
Your house is newly built in the north of Cape Coral, with or without canal access. Before building, the plot is checked, including for protected animals: anyone building close to a gopher tortoise burrow needs a state permit first. On the canal, a seawall is added, with its own permit. Then city inspectors approve each construction stage separately, up to the final inspection.
Which houses, which locations, which numbers: we show you in a call. Book a free 15-minute call
Good to know
What comes with the house. Costs, taxes, renting.
Running costs
Homeowners insurance with wind cover: in Lee County, where Cape Coral lies, around 3,600 US dollars a year on average. Flooding is insured separately. Add property tax, upkeep and management. You get the full overview for a specific house in a call.
Taxes in the USA
Florida itself levies no personal income tax. Rental income is taxable in the USA, and when you sell, the buyer usually withholds part of the price for the US tax authority. What counts in Germany is set by the German tax office. Michael Jung does not provide tax advice.
Use it yourself and rent it out
You can combine both. From January to March, accommodation in Lee County is almost three quarters full. Rentals of up to six months carry the state sales tax, plus a tourist tax depending on the county.
What we do
Calculate first. Then look at a house.
Purchase price, insurance, property tax, management, maintenance and vacancy go into one overview. If the numbers do not work, that is a result too.
Michael Jung earned the Florida Premium Real Estate certification in 2023. You can see the document here.
Insurance broker licensed under § 34d GewO · German register of intermediaries D-5D7P-3694H-28
Frequently asked questions
Answered briefly.
Why a house in Florida and not in Germany?
Because wealth that lies only in Germany depends entirely on Germany: on one currency, one tax system, one property market. A house in Florida is property in US dollars, in a state people move to every year.
What does a house in Florida cost to maintain?
The purchase price is not the end of the calculation. Homeowners insurance with wind cover costs around 3,600 US dollars a year on average in Lee County, where Cape Coral lies, across all homes. Depending on the location, separate flood insurance, property tax, management, upkeep and repairs come on top. You get the full overview for a specific house in a call.
Can I use the house myself and rent it out?
Yes, you can combine both. The most sought-after months are January to March. Rentals of up to six months carry Florida state sales tax, plus a tourist tax depending on the county. How you split your own use and renting, we work out together in a call.
The house is one way into the USA. The other is your own company with a dollar account: US company and US account. The other building blocks are under Services.
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Written and reviewed by
Michael Jung
Broker specialising in tangible assets · Insurance broker
- 1996Certified Insurance Specialist (Geprüfter Versicherungskaufmann, IHK)
- 2003Certified Finance Specialist (Geprüfter Finanzwirt, bbw)
- 2005Master Consultant in Finance
- 2016–17Senior Consultant, precious metals advisor (Edelmetallberater, GG-Akademie Berlin)
- 2021Certified under DIN 77230, the German standard for financial analysis (DEFINO)
- 2023Florida Premium Real Estate certification
Insurance broker licensed under § 34d GewO · German register of intermediaries D-5D7P-3694H-28 · Last reviewed on
Free initial consultation
Shall we work through the numbers?
15 minutes, free and without obligation. We show you houses, locations and the full costs.
Consultations in German and English.