Naples, FL home prices
Typical home $552,087 · -1.4% in a year · income needed $151,500
The Naples, FL metro area ranks 57 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.4% in a year and +19.8% over five years. With 20% down at 7.11%, the typical home costs about $3,535 a month including 0.63% property tax (Collier County rate).
Mortgage on the typical Naples home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $110,417 | $441,670 | $2,971 | $0 | $564 | $3,535 | $151,500 |
| 10% down | $55,209 | $496,878 | $3,343 | $207 | $564 | $4,114 | $176,300 |
| 5% down | $27,604 | $524,483 | $3,528 | $219 | $564 | $4,311 | $184,800 |
| 3.5% down (FHA) | $19,323 | $542,087 | $3,647 | $244 | $564 | $4,455 | $190,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.63% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Naples area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Collier County, FL | $552,087 | -1.4% | 0.63% |
What can you afford in Florida on your salary? · Florida home prices · Salaries in Florida
Frequently asked questions
How much is a house in Naples?
The typical home in the Naples, FL metro area is worth $552,087 (Zillow, September 2026).
What salary do you need to buy a house in Naples?
About $151,500 a year for the typical home with 20% down at 7.11%.