Mortgage Affordability Calculator for Naples, FL
Updated 2026 · Local data pre-filled
In Naples, the median household income is $82,000 per year, while the median home costs $560,000. The price-to-income ratio is 6.8x — a stretch in this competitive market. Use this calculator to determine what you can comfortably afford based on your income.
✓ Calculator below is pre-filled with Naples local data
How Naples Compares to the National Average
Understanding how Naples stacks up helps you calibrate your financial planning.
| Metric | Naples, FL | US Average | Difference |
|---|---|---|---|
| Median Home Price | $560,000 | $420,800 | +33.1% |
| Median Monthly Rent | $2,200 | $1,713 | +28.4% |
| Median Household Income | $82,000 | $74,580 | +9.9% |
| Property Tax Rate | 0.91% | 1.10% | -17.3% |
| Cost of Living Index | 136 | 100 | +36.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Naples Financial Snapshot
- Population (Metro)
- 390,000
- Unemployment
- 2.6%
- Avg Commute
- 24 min
- Median Age
- 51.4
- Price-to-Rent Ratio
- 21.2x
- Annual Property Tax
- $5,096
Mortgage Affordability Calculator in Other Florida Cities
Frequently Asked Questions — Naples
What is the median home price in Naples, FL?
The median home price in Naples is $560,000 as of 2025–2026. This is above the national median of $420,800.
What is the average rent in Naples?
Median monthly rent in Naples is $2,200. That works out to $26,400/year, or 32% of the median household income — above the recommended 30% threshold.
Is Naples affordable?
Naples's cost of living index is 136 vs. the national average of 100. With a median household income of $82,000/year and a median home price of $560,000, the price-to-income ratio is 6.8x. This makes homeownership a significant stretch for the typical Naples household.
What is the property tax rate in Naples?
The effective property tax rate in Naples is 0.91% of assessed value. On the median home of $560,000, that's roughly $5,096/year ($425/month).