Naples, Florida.
Typical home $545,587 (-1.4% in a year), asking rent $2,602 (+2.3%). Naples-Marco Island, FL metro.
to buy the typical home at today's mortgage rate — +$1,569 (+121%) since Jan 2020.
- 1 year
- Down $7,680 -1%
- $553,267$545,587 since Sep 2025
- 5 years
- Up $93,166 +21%
- $452,421$545,587 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Naples$2,864
- Florida$1,970
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Naples, FL fell 1.4% over the past year — slower than the nation's +1.2%.
Asking rents in Naples, FL rose 2.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Naples runs $1,130/mo more than renting one. The gap peaked at $1,686 in May 2024.
That is $3,732 a month against $2,602 rent: a $2,864 mortgage payment, plus $285 property tax and $584 insurance & upkeep.
Owning vs renting — Naples
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,732
- Renting$2,602
- Mortgage only$2,864
Property tax · $285/mo 0.63% of value a year — the ACS 2020-2024 median bill over the median home value for Collier County, FL
Insurance & upkeep · $584/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Naples, Collier County, Florida
Naples is a city of 19,115 people in Collier County. Half its households earn more than $153,182 a year and half less, against $90,045 across Collier County; 6% of its people live below the poverty line. 82% of its homes are lived in by their owners and 18% are rented. Unemployment in Collier County was 5.0% in August 2026, and the county had 0.4% more jobs in 2025 than the year before. The most residents work in finance and property, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Naples is a small Gulf Coast city where most residents are well past middle age, and the population skews older than most places in the country. Incomes run well above the county's, relatively few people live below the poverty line, and the great majority of homes are lived in by their owners. A large share of adults hold a four-year degree, and many work from home.
Work. Residents work mostly in banks, insurance and property, in schools, hospitals and social care, in professional and business services, and in shops. Naples Community Hospital and NCH Healthcare System are among the largest workplaces in town, and Naples Beach Club is another. Unemployment across Collier County is a little higher than a year ago, while the number of jobs has edged up slightly.
Things to do. Naples Zoo and the Conservancy of Southwest Florida, a museum, are in or beside town. A short drive away are Naples Botanical Garden and Vanderbilt Beach. Winters are mild, with highs and lows well above freezing and little or no snow, while summers are hot, and the year brings a fair amount of rain.
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- 9,836households
- 64%of adults have a degree
- 6%below the poverty line
- 37%work from home
What residents work in
Employed residents by industry, from the Census survey. Collier County had 172,466 jobs in 2025, 0.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 75° and lows near 56°; warmest in August, with highs near 91° and lows near 76°. About 50 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Naples Municipal Airport weather station, a mile away (NOAA).
Largest employers in Naples
- Collier County School District5,908
- NCH Healthcare System4,567
- Arthrex, Inc.4,428
- Publix Supermarkets3,160
- Collier County Government (excl. Sheriff)2,717
- Collier County Sheriff's Office1,269
- JW Marriott - Marco Island1,100
- Ritz Carlton Hotel1,092
From the City of Naples’ annual financial report for 2025, its schedule of principal employers (its source: “Collier County Clerk of Courts 2025 Annual Comprehensive Financial Report”), as Florida’s Auditor General publishes it: the report. Employees as the report counts them.
Natural hazards
- HurricanesVery high
- Inland floodingRelatively high
- Coastal floodingrelatively high in parts of NaplesRelatively moderate
- Lightningrelatively high in parts of NaplesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Naples’ census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Collier County and the Naples-Marco Island, FL metro.
Naples home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Naples$545,587
- Florida$375,361
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 6 Naples listings, and the typical home goes pending in 84 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Naples16.09%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Naples84
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Naples4,559
New listings per month
Sellers arriving at the market.
- Naples720
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Naples$555,205
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Naples94.51%
Zip codes with a Naples address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Naples — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Naples
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 34120 | Naples | 42,345 | $2,651 | $546,486 |
| 34119 | Naples | 36,807 | $2,775 | $644,313 |
| 34116 | Naples | 35,591 | $2,235 | $450,933 |
| 34109 | Naples | 27,273 | $2,393 | $581,176 |
| 34112 | Naples | 27,193 | $2,566 | $329,142 |
| 34104 | Naples | 26,408 | $2,298 | $349,895 |
| 34113 | Naples | 26,056 | $2,923 | $498,190 |
| 34110 | Naples | 25,630 | $2,668 | $600,141 |
| 34114 | Naples | 23,559 | $2,611 | $517,842 |
| 34117 | Naples | 19,923 | $2,702 | $557,216 |
| 34108 | Naples | 16,237 | $8,197 | $992,971 |
| 34105 | Naples | 15,441 | $2,222 | $451,999 |
| 34103 | Naples | 11,299 | $7,017 | $1,100,066 |
| 34102 | Naples | 11,179 | $6,716 | $1,286,079 |
| 34140 | Goodland | 104 | — | $579,390 |