Cost of Living in Naples, FL

Collier County · 2026 Data · All counties covered

COL Index
147
vs FL Avg
+42
Median Income
$78K

Cost of Living Breakdown

Overall Cost of Living
125vs 100 US avg
Below avg
Near avg
Above avg
High
Housing
US avg = 100147
Groceries
US avg = 100112
Healthcare
US avg = 100108
Transportation
US avg = 100116
Utilities
US avg = 100114

Housing & Income in Naples

Median Home Price
$890,000
Estimated market price
Median Monthly Rent
$3,200
All unit types
Median Household Income
$78,000
Annual, pre-tax
Est. Monthly Payment
$4,375
20% down, 30yr fixed
Property Tax Rate
0.86%
~$7,654/yr
Price-to-Rent Ratio
23.2x
<15 favors buying

About Living in Naples

Naples is one of Florida's most exclusive coastal cities, known for luxury real estate, pristine beaches, world-class golf, and a refined lifestyle.

With a cost of living index of 147, Naples is 47% above the US average and 42 points above the Florida average of 105. The median household income of $78,000 supports a home-price-to-income ratio of 11.4x — above the recommended 4–5x threshold.

FAQ

Common questions about cost of living in Naples

What is the cost of living in Naples, FL?

Naples's overall cost of living index is 147 compared to the US average of 100. Housing (147) is the main driver, with groceries at 112, healthcare at 108, transportation at 116, and utilities at 114.

Is Naples affordable to live in?

Naples is an above-average cost market with a COL index of 147, driven largely by housing. However, it offers premium amenities, strong job markets, and no state income tax.

How does Naples compare to the Florida average?

Naples's COL index of 147 is 42 points above the Florida average of 105. Coastal amenities and employment opportunities drive the premium.

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