Fisher Island

Fisher Island

America's wealthiest zip code, an ultra-exclusive private island accessible only by ferry or yacht.

About Fisher Island

Fisher Island is an ultra-exclusive private island community located just three miles off the coast of Miami Beach, accessible only by private ferry, yacht, or helicopter. With a population of around 700 residents, Fisher Island consistently ranks as one of the wealthiest zip codes in the United States. The island offers unparalleled privacy, world-class amenities, and some of the most prestigious real estate in the country.

Private island accessible only by ferry
America's wealthiest zip code
World-class golf course and marina
Private beach and beach club
Five-star hotel-style amenities
Ultimate privacy and security

Featured Properties in Fisher Island

Explore available luxury properties in this sought-after community.

No properties currently available in Fisher Island.

Lifestyle

Fisher Island residents enjoy a lifestyle of unparalleled luxury and privacy. The island features a championship golf course, deep-water marina, private beach, multiple restaurants, spa, tennis courts, and an aviary. With 24-hour security and ferry-only access, the island provides complete seclusion while remaining just minutes from Miami Beach and Downtown Miami. The community hosts exclusive social events and maintains the ambiance of a private resort.

Real Estate

Fisher Island real estate consists primarily of luxury condominiums and a limited number of single-family estates. Properties range from elegant two-bedroom residences to expansive penthouses with panoramic ocean and skyline views. The island offers various building styles and vintages, from historic Vanderbilt-era structures to contemporary oceanfront towers. Sales rarely occur publicly, with many transactions conducted privately.

Location

History of Fisher Island

Discover the key moments that shaped this community into what it is today.

Island Created

Government Cut creates Fisher Island

Island Created

Fisher Island was created when Government Cut was dredged to provide access to the Port of Miami, separating the island from Miami Beach.

Impact on Fisher Island Today

This engineering project inadvertently created one of the most exclusive pieces of real estate in America. Learn more about living in Fisher Island

Vanderbilt Estate

William K. Vanderbilt II purchases island

Vanderbilt Estate

Industrialist William K. Vanderbilt II purchased the island and built his winter estate, establishing Fisher Island reputation for exclusivity.

Impact on Fisher Island Today

The Vanderbilt legacy set the standard for the ultra-luxury community that would develop decades later. Learn more about living in Fisher Island

Residential Development

Private residential community developed

Residential Development

Fisher Island was developed into an exclusive residential community with luxury condominiums and world-class amenities.

Impact on Fisher Island Today

This development created the modern Fisher Island, establishing it as a premier address for the global elite. Learn more about living in Fisher Island

Wealthiest Zip Code

Recognized as richest zip code in USA

Wealthiest Zip Code

Fisher Island consistently ranked as the wealthiest zip code in the United States, with average household income exceeding $2 million.

Impact on Fisher Island Today

This recognition solidified Fisher Island status as the ultimate address for ultra-high-net-worth individuals. Learn more about living in Fisher Island

Fisher Island Market Snapshot

Fisher Island residential snapshot (Miami MLS, ZIP 33109).

$5.8M
Median condo price
Recent Six Fisher Island sales push higher
$2,400
Average $/sq ft
New construction (Six) exceeds $4,000
180
Median days on market
Many sales close privately, off-MLS
~40
Active listings
Across roughly 17 buildings island-wide
~800
Total residences
Plus a small number of single-family homes

Living in Fisher Island

Everything you need to know about life in this community.

Safety Review

Fisher Island is one of the safest communities in the world. Access is restricted to residents and their guests via private ferry. 24-hour security, private police, and controlled access ensure complete privacy and safety.

Schools Review

Fisher Island has a private day school for young children. Older students typically attend private schools in Miami Beach or Coral Gables, with ferry and transportation services available.

Nightlife

Fisher Island offers private dining venues and social clubs. For nightlife, residents take the short ferry ride to South Beach, one of the world premier entertainment destinations.

Restaurants

The island features multiple exclusive restaurants and dining venues, from casual beach club fare to fine dining. Private chefs and catering services are also available.

Things to Do

Enjoy the private beach, play the championship golf course, dock your yacht at the marina, relax at the spa, play tennis, or simply enjoy the unparalleled privacy and tranquility.

Traffic Review

There is no traffic on Fisher Island. Residents use golf carts to navigate the island. The ferry ride to the mainland takes approximately seven minutes.

Community Values

Fisher Island values privacy, exclusivity, and discretion above all. The community is home to celebrities, executives, and international elite who seek refuge from public life.

Average Income

$2,000,000+ average household income, making it consistently the wealthiest zip code in America.

Who Should Live in Fisher Island?

Discover if Fisher Island is the right community for your lifestyle.

Why Fisher Island is Best for Ultra-High-Net-Worth Individuals

Fisher Island offers an exceptional lifestyle for ultra-high-net-worth individuals. Fisher Island values privacy, exclusivity, and discretion above all. Residents enjoy enjoy the private beach, play the championship golf course, dock your yacht at the marina, relax at the spa, play tennis, or simply enjoy the unparalleled privacy and tranquility.

Why Fisher Island is Best for Privacy Seekers

Fisher Island offers an exceptional lifestyle for privacy seekers. Fisher Island values privacy, exclusivity, and discretion above all. Residents enjoy enjoy the private beach, play the championship golf course, dock your yacht at the marina, relax at the spa, play tennis, or simply enjoy the unparalleled privacy and tranquility.

Why Fisher Island is Best for International Buyers

Fisher Island offers strong investment potential with steady appreciation and rental demand. $2,000,000+ average household income, making it consistently the wealthiest zip code in America.. The area attracts ultra-high-net-worth individuals and privacy seekers.

Why Fisher Island is Best for Resort Lifestyle

Fisher Island offers an exceptional lifestyle for resort lifestyle. Fisher Island values privacy, exclusivity, and discretion above all. Residents enjoy enjoy the private beach, play the championship golf course, dock your yacht at the marina, relax at the spa, play tennis, or simply enjoy the unparalleled privacy and tranquility.

Frequently Asked Questions About Fisher Island

Get answers to common questions about living and investing in this community.

Fisher Island Buyer FAQs

The everyday questions buyers ask before purchasing in Fisher Island — property taxes, the homestead exemption, HOA and condo fees, flood insurance, and short-term rental rules.

What are property taxes like in Fisher Island?
Property taxes in Fisher Island are assessed annually by the Miami-Dade County Property Appraiser. Once the school, county, and municipal millages are combined, effective rates typically land between 1.8% and 2.3% of taxable value — meaningfully below most Northeast and West Coast markets, but higher than the headline "Florida has no state income tax" sometimes implies. Tax bills mail in November and earn a 4% discount when paid in November (1% off per month through February). The Hoffmann Group can pull the exact prior-year tax bill and millage breakdown from the Miami-Dade County Property Appraiser before you make an offer so there are no surprises at closing.
How does Florida's homestead exemption work for a Fisher Island primary residence?
If you make a Fisher Island home your permanent Florida residence and file by March 1 of the year after closing, you qualify for the homestead exemption: the first $25,000 of assessed value is fully exempt, and an additional $25,000 is exempt from non-school taxes — up to $50,000 in total exemption. Just as importantly, the Save Our Homes cap then limits annual increases in your assessed value to 3% (or CPI, whichever is lower) for as long as you keep the homestead, which compounds into substantial tax savings over time. New residents moving from another Florida home can also "port" up to $500,000 of accrued Save Our Homes benefit to Fisher Island. Investment properties and second homes do not qualify and will be reassessed at full market value every year.
What do HOA or condo fees typically cover in Fisher Island?
Fisher Island carries some of the highest carrying costs in the country: condo HOA dues typically run $1.50–$2.50+ per square foot AND every owner must purchase a Fisher Island Club equity membership (currently around $300,000+) and pay annual club dues, which fund the ferry, golf course, beach club, marina, tennis, and security. Budget accordingly — the club is non-negotiable. Before closing, always request the current annual budget, the reserve study, and any structural integrity reserve study (SIRS) the building has on file. Florida's post-Surfside SB 4-D requires every condominium three stories or taller to fully fund reserves and complete a milestone inspection at 30 years (25 years for coastal buildings) — many older South Florida buildings have raised dues or levied special assessments to comply, and you want that fully disclosed before you sign.
Will I need flood insurance to buy in Fisher Island?
Fisher Island is a private barrier island accessible only by ferry and sits entirely in FEMA Zone AE or VE. Any property inside a FEMA Special Flood Hazard Area (Zone AE or VE) requires flood insurance if you finance it with a federally backed mortgage; cash buyers can technically waive it, but almost no South Florida buyer does. Citizens Property Insurance and a handful of private carriers will quote based on the elevation certificate, foundation type, and distance to the coast. Premiums range from a few hundred dollars a year for a high-rise condo unit above the base flood elevation to several thousand for an older single-family home near the water. The Hoffmann Group can pull the FEMA flood map and a preliminary insurance quote on any specific Fisher Island address before you go under contract.
Can I short-term rent (Airbnb or VRBO) a property in Fisher Island?
Fisher Island's residential buildings restrict rentals to 6- or 12-month minimums and the Fisher Island Club must approve every tenant, including a background check and an interview. Short-term rentals (Airbnb / VRBO) are not permitted on the island. On top of any city rules, the State of Florida requires every short-term rental to hold a DBPR vacation rental license and to collect both the 6% state sales tax and the local tourist development tax (6% in Miami-Dade, 6% in Broward, 6% in Palm Beach). The Hoffmann Group can pull the specific zoning designation and any existing condo or HOA declaration for any Fisher Island address before you write an offer that depends on rental income.

Local News & Events in Fisher Island

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