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City · 19,704 residents · Collier County, Florida

Naples , Florida

In Naples, a typical home is worth $1,525,600 and typical rent is $2,305 a month. Compared with all of Collier County, the typical home value is 182% higher, typical household income is 70% higher, and the share of households that own their home is 6 points higher.

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  • Typical home value

    $1,525,600

    182% above the county

    325% above Florida

    • Naples
    • Collier
    • Florida

  • Typical rent

    $2,305a month

    24% above the county

    38% above Florida

    • Naples
    • Collier
    • Florida

  • Typical household income

    $153,182a year

    70% above the county

    105% above Florida

    • Naples
    • Collier
    • Florida

  • Households that own their home

    82%

    6 points above the county

    15 points above Florida

    • Naples
    • Collier
    • Florida

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

Market now, with Zillow data

Zillow data
Typical home value
$545,587
1.4% less than 12 months ago
Typical rent
$2,602 a month
2.3% more than 12 months ago

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

Naples 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 Naples apart

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

  1. Naples has the 3rd highest typical home value of the 480 cities in Florida with more than 5,000 people ($1,525,600).

  2. The typical household income in Naples is $153,182, 70% more than in Collier County as a whole ($90,045).

  3. Nearby, in Naples Manor, the typical home value is $340,400: 78% less than in Naples ($1,525,600).

  4. Nearby, in Naples Manor, the typical rent is $1,499: 35% less than in Naples ($2,305).

  5. The typical rent in Naples is $2,305 a month, 24% more than in Collier County as a whole ($1,862).

  6. 82% of households in Naples own their home, against 77% in Collier County.

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

The homes here

Housing in Naples

What homes there are in Naples, 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

There are more apartments in Naples than in Collier County: 60% of homes, against 36%.

Year built

The typical home in Naples was built in 1983, 13 years before the typical one in Collier County.

There are fewer big homes in Naples than in Collier County: 48% have 3 bedrooms or more, against 55%.

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

$4,000 or more a month

Collier County: $2,390 a month

Without a mortgage

$1,500 or more a month

Collier County: $985 a month

Owners with a mortgage

31%

Collier County: 47%

In Naples, 31% of owners have a mortgage, and half of them pay $4,000 or more a month, the most the Census measures.

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

From 2015–2019 to 2020–2024, the typical home value in Naples rose 54%; in Collier County, it rose 50%.

Rents in Naples rose faster than in Collier County: 70% since 2015–2019, against 41%.

Housing prices ran ahead of income in Naples: typical income rose 43%, against +54% for home values and +70% for rent.

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

MeasureNaplesCollier CountyFloridaUnited States
Rental vacancy 7.9%10.0%7.6%5.5%
Homeowner vacancy 3.1%1.5%1.4%0.9%
More than one person per room Unreliable estimate4.0%3.3%3.4%
People per household 1.962.372.512.53
Drive alone 57%69%70%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 37%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Naples, the rental vacancy rate is 7.9%; in Collier County, 10.0%.

Households in Naples are smaller: 1.96 people on average; in Collier County, 2.37.

In Naples, 37% of workers work from home, more than 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 Naples?

A typical home costs more than the typical income allows

We start with a typical home in Naples, worth $1,525,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 97% of the typical household income in Naples, which is $153,182 a year. For that payment to be 28% of income, a household would need to earn about $531,548 a year. Note: at that price the loan is above the FHA limit for Collier County ($764,750), so FHA would not insure it; the payment is only a reference.

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 Naples. 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 $53,396 (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

$12,403

at 7.18% · 30 years

Loan amount
$1,497,968
Total interest
$2,155,224
Paid off in
November 2056

Includes $25,764 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,574 a month

  • Tight

    $3,574 to $4,595 a month

  • Hard

    more than $4,595 a month

    Your payment · 97%

Compared with the typical household income in Naples ($153,182 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$12,403
Principal & interest$10,148
Property tax$699
Home insurance$636
FHA mortgage insurance (MIP)$920

This loan is over the FHA limit

You'd borrow $1,472,204, but the FHA limit for a one-unit home in Naples is $764,750. You'd need a bigger down payment or a different loan.

You need at least $53,396 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

Naples and Collier County

Naples 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).

Naples's own numbers

Typical home value
$1,525,600
Typical monthly rent
$2,305
Typical yearly household income
$153,182
Households that own their home
82%
Effective property tax rate
0.55%

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 Naples

A typical home in Naples is worth $1,525,600: 182% above the county and 325% above Florida. With the typical household income in Naples ($153,182 a year), a typical home costs 10.0 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.

  • Naples 10.0 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

Naples 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
  • Naples $1,525,600
  • Collier $540,700
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Naples $2,305
  • Collier $1,862
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Naples $153,182
  • Collier $90,045
  • Florida $74,568
  • United States $80,734
See the full table
Naples next to Collier County and Florida
Measure Naples Collier County Florida U.S.
Typical home value $1,525,600 $540,700 $359,000 $332,700
Typical monthly rent $2,305 $1,862 $1,669 $1,413
Typical yearly household income $153,182 $90,045 $74,568 $80,734
Households that own their home 82% 77% 68% 65%
Typical yearly property tax $8,353 $3,386 $2,730 $3,119
Effective property tax rate 0.55% 0.63% 0.76% 0.94%

“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 Naples

For a typical $1,525,600 home in Naples, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Naples's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $12,403a month

    Above the FHA limit for Collier County ($764,750)
    Down payment
    $53,396
    Cash to close
    $99,164
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $920

  • Conventional, 5% down $11,878a month

    Above the conventional limit for Collier County ($832,750): it would be a "jumbo" loan
    Down payment
    $76,280
    Cash to close
    $122,048
    Rate
    7.18%
    Mortgage insurance
    PMI · $725

  • Conventional, 20% down, no PMI $9,603a month

    Above the conventional limit for Collier County ($832,750): it would be a "jumbo" loan
    Down payment
    $305,120
    Cash to close
    $350,888
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $11,013a month

    Down payment
    $228,840
    Cash to close
    $274,608
    Rate
    8.18%
    Mortgage insurance
    None
  • 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 Naples and for Collier County.

Property tax

Effective rate in Naples

0.55%of the home’s value each year

$8,353 a year for the typical owner in Naples.

  • Naples 0.55%
  • 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 Naples

Typical rent in Naples is $2,305 a month: 24% above the county.

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 Naples

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Naples has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,850 in 34102 to $2,340 in 34103.

1 of the 2 is above the fair market rent for Collier County ($2,036).

  • 34102 $1,850$2,350
  • 34103 $2,340$2,970

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Naples 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?

Low-income apartments

Low-income apartments in Naples

HUD lists 21 buildings with rents for lower incomes in Naples. These are the largest.

  • Tuscan Isle 8650 Weir Dr, Naples 34104 298 low-income homes · 1 bd: 70 · 2 bd: 168 · 3 bd: 60 · In service since 2004
  • Summer Lakes II 5600 Jonquil Cir, Naples 34109 276 low-income homes · 1 bd: 12 · 2 bd: 112 · 3 bd: 152 · In service since 2007 · For families
  • Noah's Landing 10555 Noahs Cir, Naples 34116 264 homes, 262 low-income · 1 bd: 44 · 2 bd: 124 · 3 bd: 96 · In service since 2003 · For families
  • Goodlette Arms 950 Goodlette Rd, Naples 34102 250 homes, 242 low-income · For older adults (239) 262-3229
  • Whistler's Cove 11420 Whistlers Cove Cir, Naples 34113 240 homes, 237 low-income · 1 bd: 24 · 2 bd: 216 · In service since 2000

See all 32 buildings in Collier County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Naples

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Naples

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Naples

The HUD-approved agencies closest to the center of Naples, 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 · 3 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 · 29 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 · 30 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 Naples

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 Naples

HUD’s record names them for Naples 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 Naples, 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 Naples.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Naples

Short answers with the numbers for Naples 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 Naples?

The typical home value in Naples is $1,525,600, 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 Naples?

Typical rent in Naples is $2,305 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 Naples?

Naples 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 Naples?

The typical homeowner in Naples pays $8,353 a year, according to the U.S. Census Bureau. That is 0.55% of the home’s value; in Collier County, the rate is 0.63%.

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

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).