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City · 6,159 residents · Collier County, Florida

Pelican Bay , Florida

In Pelican Bay, a typical home is worth $1,287,900 and typical rent is $3,420 a month. Compared with all of Collier County, the typical home value is 138% higher, typical rent is 84% higher, and the share of households that own their home is 18 points higher.

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  • Typical home value

    $1,287,900

    138% above the county

    259% above Florida

    • Pelican Bay
    • Collier
    • Florida

  • Typical rent

    $3,420a month

    84% above the county

    105% above Florida

    • Pelican Bay
    • Collier
    • Florida

  • Typical household income

    $163,520a year

    82% above the county

    119% above Florida

    • Pelican Bay
    • Collier
    • Florida

  • Households that own their home

    94%

    18 points above the county

    27 points above Florida

    • Pelican Bay
    • Collier
    • Florida

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

Pelican Bay 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 Pelican Bay apart

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

  1. Pelican Bay has the 5th highest homeownership rate of the 481 cities in Florida with more than 5,000 people (94%).

  2. Pelican Bay has the 5th highest typical home value of the 480 cities in Florida with more than 5,000 people ($1,287,900).

  3. Pelican Bay has the 5th highest typical rent of the 471 cities in Florida with more than 5,000 people ($3,420).

  4. The typical household income in Pelican Bay is $163,520, 82% more than in Collier County as a whole ($90,045).

  5. Nearby, in Naples Manor, the typical home value is $340,400: 74% less than in Pelican Bay ($1,287,900).

  6. Nearby, in Naples Manor, the typical rent is $1,499: 56% less than in Pelican Bay ($3,420).

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

The homes here

Housing in Pelican Bay

What homes there are in Pelican Bay, 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 Pelican Bay than in Collier County: 70% of homes, against 36%.

Year built

The typical year built in Pelican Bay is 1993, about the same as in Collier County (1996).

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

Owners with a mortgage

33%

Collier County: 47%

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

Homes in Pelican Bay gained value more slowly than in Collier County: 31% since 2015–2019, against 50%.

Since 2015–2019, the typical rent in Pelican Bay rose 131%, more than in Collier County (41%).

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

MeasurePelican BayCollier 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 1.712.372.512.53
Drive alone 39%69%70%69%
Carpool Unreliable estimate11%9%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 51%16%16%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.71 on average, against 2.37 in Collier County.

Many people here do not commute at all: 51% 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 Pelican Bay?

A typical home costs more than the typical income allows

We start with a typical home in Pelican Bay, worth $1,287,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 78% of the typical household income in Pelican Bay, which is $163,520 a year. For that payment to be 28% of income, a household would need to earn about $455,168 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 Pelican Bay. 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 $45,077 (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

$10,621

at 7.18% · 30 years

Loan amount
$1,264,572
Total interest
$1,819,423
Paid off in
November 2056

Includes $21,749 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,815 a month

  • Tight

    $3,815 to $4,906 a month

  • Hard

    more than $4,906 a month

    Your payment · 78%

Compared with the typical household income in Pelican Bay ($163,520 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$10,621
Principal & interest$8,567
Property tax$741
Home insurance$537
FHA mortgage insurance (MIP)$777

This loan is over the FHA limit

You'd borrow $1,242,823, but the FHA limit for a one-unit home in Pelican Bay is $764,750. You'd need a bigger down payment or a different loan.

You need at least $45,077 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

Pelican Bay and Collier County

Pelican Bay 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).

Pelican Bay's own numbers

Typical home value
$1,287,900
Typical monthly rent
$3,420
Typical yearly household income
$163,520
Households that own their home
94%
Effective property tax rate
0.69%

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 Pelican Bay

A typical home in Pelican Bay is worth $1,287,900: 138% above the county and 259% above Florida. With the typical household income in Pelican Bay ($163,520 a year), a typical home costs 7.9 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.

  • Pelican Bay 7.9 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

Pelican Bay 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
  • Pelican Bay $1,287,900
  • Collier $540,700
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Pelican Bay $3,420
  • Collier $1,862
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Pelican Bay $163,520
  • Collier $90,045
  • Florida $74,568
  • United States $80,734
See the full table
Pelican Bay next to Collier County and Florida
Measure Pelican Bay Collier County Florida U.S.
Typical home value $1,287,900 $540,700 $359,000 $332,700
Typical monthly rent $3,420 $1,862 $1,669 $1,413
Typical yearly household income $163,520 $90,045 $74,568 $80,734
Households that own their home 94% 77% 68% 65%
Typical yearly property tax $8,943 $3,386 $2,730 $3,119
Effective property tax rate 0.69% 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 Pelican Bay

For a typical $1,287,900 home in Pelican Bay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pelican Bay's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $10,621a month

    Above the FHA limit for Collier County ($764,750)
    Down payment
    $45,077
    Cash to close
    $83,714
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $777

  • Conventional, 5% down $10,177a month

    Above the conventional limit for Collier County ($832,750): it would be a "jumbo" loan
    Down payment
    $64,395
    Cash to close
    $103,032
    Rate
    7.18%
    Mortgage insurance
    PMI · $612

  • Conventional, 20% down, no PMI $8,257a month

    Above the conventional limit for Collier County ($832,750): it would be a "jumbo" loan
    Down payment
    $257,580
    Cash to close
    $296,217
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $9,448a month

    Down payment
    $193,185
    Cash to close
    $231,822
    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 Pelican Bay and for Collier County.

Property tax

Effective rate in Pelican Bay

0.69%of the home’s value each year

$8,943 a year for the typical owner in Pelican Bay.

  • Pelican Bay 0.69%
  • 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 Pelican Bay

Typical rent in Pelican Bay is $3,420 a month: 84% 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 Pelican Bay

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pelican Bay is in ZIP code 34108.

For 2 bedrooms it is $2,470: $434 more than the fair market rent for Collier County ($2,036).

  • 34108 $2,470$3,140

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

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 pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Pelican Bay

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

Which programs do I qualify for? All programs in Florida

Housing counselors near Pelican Bay

The HUD-approved agencies closest to the center of Pelican Bay, 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 · 4 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 · 23 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 · 24 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 Pelican Bay

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 Pelican Bay

HUD’s record names them for Pelican Bay 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 Pelican Bay, 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 Pelican Bay.

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

Questions

Housing questions about Pelican Bay

Short answers with the numbers for Pelican Bay 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 Pelican Bay?

The typical home value in Pelican Bay is $1,287,900, 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 Pelican Bay?

Typical rent in Pelican Bay is $3,420 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 Pelican Bay?

Pelican Bay 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 Pelican Bay?

The typical homeowner in Pelican Bay pays $8,943 a year, according to the U.S. Census Bureau. That is 0.69% of the home’s value; in Collier County, the rate is 0.63%.

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

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).