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City · 8,258 residents · Collier County, Florida

Ave Maria , Florida

In Ave Maria, a typical home is worth $459,200 and typical rent is $2,425 a month. Compared with all of Collier County, typical rent is 30% higher, the typical home value is 15% lower, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $459,200

    15% below the county

    28% above Florida

    • Ave Maria
    • Collier
    • Florida

  • Typical rent

    $2,425a month

    30% above the county

    45% above Florida

    • Ave Maria
    • Collier
    • Florida

  • Typical household income

    $102,949a year

    14% above the county

    38% above Florida

    • Ave Maria
    • Collier
    • Florida

  • Households that own their home

    82%

    5 points above the county

    14 points above Florida

    • Ave Maria
    • Collier
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical rent
$2,745 a month
2.7% less than 12 months ago

From Zillow (ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Ave Maria is in Collier County. The FHA loan limit ($764,750 for a one-unit home), the fair market rents and the help on this page are those of all of Collier County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ave Maria apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Immokalee, the typical rent is $941: 61% less than in Ave Maria ($2,425).

  2. Nearby, in Immokalee, the typical home value is $210,600: 54% less than in Ave Maria ($459,200).

  3. Ave Maria has the 24th highest typical rent of the 471 cities in Florida with more than 5,000 people ($2,425).

  4. The typical home in Ave Maria is worth $459,200, 15% less than in Collier County as a whole ($540,700).

  5. 82% of households in Ave Maria own their home, against 77% in Collier County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Ave Maria

What homes there are in Ave Maria, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 82% of homes here, against 43% in Collier County.

Year built

The typical home in Ave Maria was built in 2015, 19 years after the typical one in Collier County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,499 a month

Collier County: $2,390 a month

Without a mortgage

$966 a month

Collier County: $985 a month

Owners with a mortgage

62%

Collier County: 47%

Owning costs about the same in Ave Maria as in Collier County: with a mortgage, $2,499 a month; without one, $966.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The boundaries of Ave Maria changed since 2015–2019, so the Census does not compare its figures from then and now. In Collier County, the typical home value rose 50%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAve MariaCollier CountyFloridaUnited States
Rental vacancy Unreliable estimate10.0%7.6%5.5%
Homeowner vacancy Unreliable estimate1.5%1.4%0.9%
More than one person per room Unreliable estimate4.0%3.3%3.4%
People per household 2.952.372.512.53
Drive alone 60%69%70%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 23%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Ave Maria has 2.95 people, more than in Collier County (2.37).

Many people here do not commute at all: 23% work from home; in Collier County, 16%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Ave Maria?

A typical home costs more than the typical income allows

We start with a typical home in Ave Maria, worth $459,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Ave Maria, which is $102,949 a year. For that payment to be 28% of income, a household would need to earn about $163,061 a year.

The calculator's FHA and conventional loan limits are those of all of Collier County.

Your numbers

Local data
$

Starts at the typical home value in Ave Maria. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,072 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,805

at 7.18% · 30 years

Loan amount
$450,883
Total interest
$648,714
Paid off in
November 2056

Includes $7,755 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,402 a month

  • Tight

    $2,402 to $3,088 a month

  • Hard

    more than $3,088 a month

    Your payment · 44%

Compared with the typical household income in Ave Maria ($102,949 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,805
Principal & interest$3,054
Property tax$356
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,072 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Ave Maria and Collier County

Ave Maria is in Collier County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Ave Maria's own numbers

Typical home value
$459,200
Typical monthly rent
$2,425
Typical yearly household income
$102,949
Households that own their home
82%
Effective property tax rate
0.93%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Collier County

FHA limit, one-unit home
$764,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,036
Price change over 5 years (FHFA)
+68%
Homes in a high flood-risk zone
0.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Collier County.

Everything about Collier County

Buying

Buying a home in Ave Maria

A typical home in Ave Maria is worth $459,200: 15% below the county and 28% above Florida. With the typical household income in Ave Maria ($102,949 a year), a typical home costs 4.5 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Ave Maria 4.5 years
  • Collier 6.0 years
  • Florida 4.8 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Collier County

According to FHFA’s house price index, home prices in Collier County rose 119% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Collier County.

Period County Florida U.S.
Last year (2025) −2.5% −0.5% +2.9%
5 years (2020–2025) +68% +60% +47%
10 years (2015–2025) +119% +127% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Ave Maria next to Collier County, Florida and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Ave Maria $459,200
  • Collier $540,700
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Ave Maria $2,425
  • Collier $1,862
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Ave Maria $102,949
  • Collier $90,045
  • Florida $74,568
  • United States $80,734
See the full table
Ave Maria next to Collier County and Florida
Measure Ave Maria Collier County Florida U.S.
Typical home value $459,200 $540,700 $359,000 $332,700
Typical monthly rent $2,425 $1,862 $1,669 $1,413
Typical yearly household income $102,949 $90,045 $74,568 $80,734
Households that own their home 82% 77% 68% 65%
Typical yearly property tax $4,279 $3,386 $2,730 $3,119
Effective property tax rate 0.93% 0.63% 0.76% 0.94%
Renters with high rent for their income 71% 63% 60% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Collier County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Ave Maria

For a typical $459,200 home in Ave Maria, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ave Maria's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,805a month

    Least cash to close
    Down payment
    $16,072
    Cash to close
    $29,848
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,721a month

    Down payment
    $22,960
    Cash to close
    $36,736
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $3,036a month

    Down payment
    $91,840
    Cash to close
    $105,616
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,460a month

    Down payment
    $68,880
    Cash to close
    $82,656
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Ave Maria and for Collier County.

Property tax

Effective rate in Ave Maria

0.93%of the home’s value each year

$4,279 a year for the typical owner in Ave Maria.

  • Ave Maria 0.93%
  • Collier 0.63%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Collier County

FEMA does not publish these numbers by city: they are for all of Collier County.

Homes in the high-risk zone
0.1%
152
Of those, with NFIP insurance
—
County Florida U.S.
Homes in the high-risk zone 0.1% 13% 3.5%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ave Maria

Typical rent in Ave Maria is $2,425 a month: 30% above the county. In Ave Maria, 71% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Collier County, by unit size. To pay the 2-bedroom one ($2,036 a month) without spending more than 30% of your income, you would need to earn $39.15 an hour working full time.

HUD fair market rent for all of Collier County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,418 $27.27 $56,720
1 bedroom $1,870 $35.96 $74,800
2 bedrooms $2,036 $39.15 $81,440
3 bedrooms $2,584 $49.69 $103,360
4 bedrooms $2,815 $54.13 $112,600

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Ave Maria

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ave Maria is in ZIP code 34142.

For 2 bedrooms it is $1,790: $246 less than the fair market rent for Collier County ($2,036).

  • 34142 $1,790$2,330

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ave Maria when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Ave Maria

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Collier County; none says it serves in Spanish.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Ave Maria

No down payment, repair or rent-help program on our list is for Ave Maria or Collier County. The ones below are statewide in Florida: they work in Ave Maria the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Ave Maria

The HUD-approved agencies closest to the center of Ave Maria, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Development Corporation of SW Florida, Inc.

    3200 Bailey Ln Ste 109, Naples · 22 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (239) 434-2397

  • Habitat for Humanity of Lee and Hendry Counties, Inc.

    12751 New Brittany Blvd Ste 100, Fort Myers · 32 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (239) 652-4663

  • Affordable Homeownership Foundation Inc

    5264 Clayton Ct Ste 1, Fort Myers · 32 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (239) 689-4944

Every agency in Collier County All counseling agencies in Florida

Help in Spanish near Ave Maria

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Ave Maria

HUD’s record names them for Ave Maria or Collier County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Florida Source: HUD

Cities

Other cities in Collier County

These cities are also in Collier County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Collier County Housing in Florida

Nearby cities

The cities closest to Ave Maria, with the typical home value.

Neighboring counties

If Collier County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Ave Maria.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Ave Maria

Short answers with the numbers for Ave Maria and all of Collier County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Ave Maria?

The typical home value in Ave Maria is $459,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Collier County it is $540,700.

How much does it cost to rent in Ave Maria?

Typical rent in Ave Maria is $2,425 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Collier County is $2,036.

What is the FHA loan limit in Ave Maria?

Ave Maria uses the FHA limit for all of Collier County (2026): $764,750 for a one-unit home and $1,470,700 for a four-unit home.

How much property tax do owners pay in Ave Maria?

The typical homeowner in Ave Maria pays $4,279 a year, according to the U.S. Census Bureau. That is 0.93% of the home’s value; in Collier County, the rate is 0.63%.

Where can I find free help to buy or rent in Ave Maria?

There is 1 HUD-approved counseling agency with an office in Collier County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).