Naples, FL

Very High · 236

Florida · Population 19,421 · Updated March 2026

$1,968
Median Rent / Month
$140,833
Median Income
$1,254,200
Median Home Value
$2,360
Owner Costs / Month

Affordability

How far your income goes in Naples

16.8%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Florida

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.0%
Sales Tax
0.86%
Property Tax Rate

Estimated Annual Costs

$23,616
Annual Rent
$0
State Income Tax
$10,786
Property Tax (est.)

Cost of Living Overview

Naples has a significantly higher cost of living than most US cities, driven largely by premium housing costs. With a cost index of 236 (where 100 equals the national median), Naples residents can expect to pay median rent of $1,968/month while earning a median household income of $140,833/year.

The median home value in Naples, FL is $1,254,200, with typical monthly owner costs around $2,360 including mortgage, insurance, and taxes. The median rent-to-income ratio of 16.8% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Florida has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.0% sales tax rate and 0.86% effective property tax rate, the overall tax environment helps keep costs manageable in Naples.

Frequently Asked Questions

Common questions about living costs in Naples

What is the cost of living in Naples, FL?
The cost of living index in Naples, FL is 236 (US average = 100). Median monthly rent is $1,968, median household income is $140,833/year, and the median home value is $1,254,200.
Is Naples, FL affordable?
No, Naples is more expensive than the national average with a cost index of 236. The rent-to-income ratio is 16.8%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Naples, FL?
The median gross rent in Naples, FL is $1,968 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $23,616.
What is the median household income in Naples?
The median household income in Naples, FL is $140,833 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Florida?
Florida has a top income tax rate of 0%, a sales tax of 6.0%, and an effective property tax rate of 0.86%. Notably, there is no state income tax.