What Moving to Private Islands in Miami Really Takes—From Logistics to Costs

Moving to private islands in Miami is a dream for many, but it comes with challenges. The logistics, costs, and lifestyle adjustments are very different from moving to a regular neighborhood. Everything from transportation to security needs careful planning. However, the benefits—privacy, exclusivity, and luxury—make it worth it for those who can afford it. With help from the best moving companies in Miami, relocating to these islands can be much smoother. Whether you’re moving for the view, the status, or the tranquility, here’s what you need to know.

Accessibility and Transportation

Private islands in Miami, like Fisher Island and Star Island, have limited access. They are not connected to the mainland by bridges or roads, so residents rely on private ferries, yachts, or helicopters. This creates challenges for daily commutes and deliveries. Moving services in Miami must coordinate carefully to ensure everything arrives on time. Fisher Island, for example, has a private ferry that runs every 15 minutes, but it costs residents thousands per year in fees.

Residents of other islands often own private boats, and docking fees in Miami marinas range from $500 to over $3,000 per month. Helicopter access is available only on certain islands, and permits are required for landing. Grocery deliveries, household services, and emergency transport all depend on these access points, making planning essential.

Moving Logistics

Relocating to a private island is not like moving into a condo in Brickell. Movers must use specialized equipment, as many homes require deliveries by boat or barge. Moving companies in Miami Dade often charge premium rates for moving to private islands in Miami due to extra handling and transport coordination. Companies experienced in island moves handle luxury furniture, high-end electronics, and fragile artwork with custom packaging solutions.

A standard move to a waterfront estate in Miami costs $5,000 to $10,000, but moving to a private island can cost significantly more, depending on the access limitations. Fine art and wine collections often require climate-controlled transport, adding to the expense. Scheduling is critical since delays in ferry access or tide restrictions can cause setbacks.

Cost of Living

Private island living in Miami comes with premium costs beyond just real estate. On Fisher Island, new residents must pay a $250,000 membership fee to join the island’s exclusive club. Annual dues for maintenance, amenities, and security reach $22,256 per year. Dining, entertainment, and private events on the island cater to an elite crowd, and prices reflect that exclusivity.

Moving quotes Miami movers offer for private island relocations tend to be higher due to extra labor, transport coordination, and limited access. Groceries and household supplies also come at a premium, as everything must be delivered. Some residents hire full-time staff, including private chefs, drivers, and housekeepers, adding tens of thousands per year in payroll costs.

Property Costs

Real estate prices on Miami’s private islands are among the highest in the country. Homes on San Marino Island range from $1.35 million to over $23 million, with a median listing price of $10.9 million. Star Island estates regularly sell for over $40 million, with some exceeding $70 million. Fisher Island condos, some of the most exclusive in the world, start at $3 million for a modest unit, while penthouses reach $40 million or more.

Long distance movers in Florida often assist new residents relocating from New York, Los Angeles, or Europe, as Miami’s private islands have become a major draw for international buyers. High-end properties usually require full customization, with owners spending millions on renovations, smart home upgrades, and waterfront landscaping.

Utilities and Infrastructure

Unlike mainland neighborhoods, private islands require independent infrastructure planning. Electricity, water, and internet are essential but may not be as reliable as in the city. Residents often invest in backup generators, which can cost $10,000 to $50,000, depending on the size of the home. Private water systems are common, with installation costs ranging from $5,000 to $30,000.

Internet services can be slower, especially on smaller islands with limited fiber-optic access. Starlink satellite internet has become a solution for some residents, but costs start at $120 per month. Trash collection and sewage services may also be private, requiring separate contracts with specialized providers. Local movers in Miami working with island clients often coordinate with these utility providers to ensure a seamless transition during the move.

Security and Privacy

Privacy is one of the main reasons for moving to private islands in Miami. Most communities have strict access policies, with security checkpoints, private guards, and gated entryways. Some islands, like Fisher Island and Star Island, have 24/7 private security patrols, ensuring no unauthorized visitors can enter. Homeowners often invest in advanced security systems, including surveillance cameras, biometric entry systems, and motion-sensor lighting.

The cost of private security services varies but can range from $5,000 to $20,000 per month, depending on the level of protection. Packing services in Miami often handle sensitive items for high-profile residents, including celebrities and executives, requiring additional discretion and confidentiality during relocations.

Community Regulations

Private islands have strict regulations regarding home modifications, dock installations, and community standards. Homeowners’ associations enforce rules that dictate everything from landscaping to construction hours. Some islands limit the type of boats residents can dock, requiring yachts to meet specific size or environmental standards. Residential movers in Florida must comply with HOA regulations regarding moving hours, truck size, and access permits. Violations can result in fines or delays. Residents also participate in exclusive island events, with some islands requiring mandatory membership in private clubs, adding to annual costs.

Emergency Services

Private island residents must plan for limited emergency service access. While Miami has world-class hospitals, getting to one quickly can be challenging. Fire rescue boats and medical evacuation services are available but take longer than standard ambulance response times. Star Island and Palm Island have designated emergency docking areas, but weather conditions can impact transport. Private ambulance memberships, like MedJet Assist, start at $99 per year but can cost significantly more for VIP plans with helicopter evacuation. Some homeowners install private medical rooms with defibrillators and emergency supplies due to the potential delays in medical response.

Insurance Considerations

Insuring a home after moving to private islands in Miami comes with higher costs and stricter policies. Many islands are in high-risk flood zones, requiring flood insurance policies that cost $10,000 to $50,000 per year. Windstorm coverage is also necessary, adding another $5,000 to $25,000 per year to homeowners’ insurance premiums. Some insurers require custom hurricane-resistant windows and doors before offering policies, with installation costs reaching $100,000 or more for large waterfront estates. Due to the risk of hurricane damage, many insurance providers require homes to have backup power, elevated foundations, and storm-rated roofing.

Lifestyle Adjustments

Moving to private islands in Miami requires a different mindset. Everyday conveniences like grocery shopping, dry cleaning, and medical appointments require extra planning. Many residents hire personal assistants or full-time staff to handle errands. Some islands offer concierge services for deliveries, housekeeping, and event planning, but these can cost $2,000 to $5,000 per month. Driving into Miami for social events or business meetings takes longer, so many residents keep second properties in mainland Miami for convenience.

Private Islands in Miami: Where Exclusivity Meets Luxury

Miami is home to some of the most exclusive private islands in the world. These islands offer unparalleled privacy, waterfront luxury, and multimillion-dollar estates. Each has unique characteristics, from ultra-secure communities to celebrity-owned mansions. Below is a list of private islands in Miami, followed by key details about each.

• Fisher Island
• Star Island
• Palm Island
• Hibiscus Island
• Venetian Islands
• La Gorce Island
• Indian Creek Island
• Sunset Islands
• Allison Island
• Normandy Isles
• Grove Isle
• Bird Key

Fisher Island

Fisher Island is Miami’s most exclusive private island, accessible only by ferry or private yacht. Home prices start at $3 million for condos and exceed $40 million for luxury residences. New homeowners must pay a $250,000 membership fee and annual dues of $22,256. The island features a private beach, golf course, and elite social clubs. It has 24/7 private security and some of the highest real estate values in Florida.

Star Island

Star Island is famous for its celebrity residents and massive waterfront estates. Home prices range from $25 million to over $70 million, with some properties exceeding 20,000 square feet. The island has a single guarded entrance and is connected to Miami Beach via the MacArthur Causeway. The exclusivity and security make it one of the most sought-after addresses in the city.

Palm Island

Palm Island offers high-end waterfront living with homes priced between $10 million and $50 million. It is connected to the mainland by the MacArthur Causeway but maintains a gated entrance with 24/7 security checkpoints. Many homes have private docks with deep-water access, allowing owners to keep large yachts directly behind their estates.

Hibiscus Island

Hibiscus Island is known for its luxury homes and direct bay access. Prices start at $8 million, with high-end properties reaching $35 million. The island has a gated entrance and is home to Miami’s wealthy business elite. Many properties have oversized lots and feature state-of-the-art smart home technology.

Venetian Islands

The Venetian Islands consist of six man-made islands: Belle Isle, Rivo Alto, Di Lido, San Marino, San Marco, and Biscayne Island. Prices range from $2 million to over $30 million, depending on the island and property size. These islands offer waterfront luxury while providing quick access to Miami Beach and downtown. They are popular among high-net-worth professionals and foreign investors.

La Gorce Island

La Gorce Island is a gated, ultra-private community known for its lush landscaping and large estate homes. Prices start at $12 million and go up to $45 million. The island features strict HOA regulations, ensuring a quiet and exclusive atmosphere. Private security patrols the island 24/7.

Indian Creek Island

Indian Creek Island is often called the “Billionaire Bunker” because it houses some of the world’s wealthiest individuals. There are only 41 estates, with prices ranging from $25 million to over $100 million. The island has its own private police force, a championship golf course, and some of Miami’s most expensive real estate.

Sunset Islands

The Sunset Islands (I–IV) offer a mix of modern and Mediterranean-style waterfront estates. Prices range from $5 million to $30 million. The islands are known for their prime location, providing quick access to both Miami Beach and downtown. Many homes include private docks and resort-style pools.

Allison Island

Allison Island is one of Miami Beach’s hidden gems, offering both privacy and accessibility. It is uniquely divided into two sections: the northern part features luxury waterfront single-family homes, while the southern part is home to high-end condominiums and townhouses. Property prices start at $3 million for smaller residences and can go up to $30 million for expansive waterfront estates.

Normandy Isles

Normandy Isles, also known as Normandy Isle and Normandy Shores, is a historic Miami Beach community offering a mix of waterfront and inland properties. The area is divided into two sections: Normandy Isle, which features a blend of single-family homes and mid-rise condos, and Normandy Shores, a private gated enclave with waterfront mansions and a championship golf course. Property prices vary significantly, starting at around $500,000 for smaller condos and reaching $5 million for luxury waterfront estates.

Grove Isle

Grove Isle is a 20-acre private island just off the coast of Coconut Grove, offering a secluded yet convenient residential experience. Unlike other Miami islands focused on large estates, Grove Isle is home to three luxury high-rise condominiums with panoramic bay views. Property prices start at $1 million for smaller units, while penthouses and premium residences reach $10 million or more.

Bird Key

Bird Key is one of Miami’s last undeveloped private islands, sitting in Biscayne Bay near the Upper Eastside. Spanning about 4 acres, it remains completely uninhabited, serving as a natural habitat for native bird species. Unlike Miami’s luxury island communities, Bird Key has no homes, roads, or infrastructure, making it an attractive but challenging location for future development. The island is privately owned, and in April 2024, it was listed for $31.5 million, sparking concerns from environmental groups about potential construction.

What Moving to Private Islands in Miami Really Takes

Moving to private islands in Miami is a complex process, requiring detailed planning, high costs, and major lifestyle adjustments. From multimillion-dollar real estate to security and infrastructure, every detail must be handled precisely. The exclusivity, privacy, and luxury make it worthwhile for many, but it’s not a decision to take lightly. Understanding the costs and logistics of relocating to private islands in Miami helps ensure a smooth transition. If the island lifestyle is your goal, careful preparation and expert assistance will make it possible.