Total monthly cost of ownership
Cost to Own a Home in Naples Park, Florida
A $573,000 home here costs
$4,343per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $186,000 a year.
A standard mortgage calculator would have told you $3,124. The real number is $1,219 higher every month, 39% more than the payment most buyers budget for.
Compare Collier County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Naples Park from a five-year rolling sample, and with about 4,995 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Collier County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Naples Park against Collier County and Florida
| Measure | Naples Park | Collier County |
|---|---|---|
| Median home value | $573,400 | $486,800 |
| Median property tax | $1,936 | $3,219 |
| Effective tax rate | 0.338% | 0.661% |
| Median gross rent | $2,097 | $1,752 |
| Population | 4,995 | 387,681 |
The weather behind that power bill
Naples Park sits in Collier County, which averages a high of 92.6°F in its hottest month and a low of 53.1°F in its coldest, with 55.28" of precipitation a year and 48% of it in a single three-month stretch. That climate drives 4,136 cooling and 230 heating degree days, which is what sets the $165 electricity line above.
See the full climate breakdown for Collier County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Collier County
Full Collier County cost breakdown · Every county in Florida
Talk to someone who works this market
These are Naples Park averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Naples Park every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Naples Park I already own here and may sell
Common questions
How much does it cost to own a home in Naples Park?
A $573,000 home in Naples Park, Florida costs approximately $4,343 per month with 20% down at 7.24%. That is $3,124 principal and interest, $161 property tax, $346 homeowners insurance, $233 utilities and $478 set aside for maintenance.
What is the property tax rate in Naples Park?
Naples Park has an effective property tax rate of 0.338%, based on a median home value of $573,400 and median real estate taxes of $1,936. That is lower than the Collier County average of 0.661%.
What is the average home price in Naples Park?
The median owner-occupied home value in Naples Park, Florida is $573,400, against $486,800 across Collier County.
Is it cheaper to rent or buy in Naples Park?
Median gross rent in Naples Park is $2,097 a month, against $4,343 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Naples Park?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Naples Park, Florida at today's rate takes a household income of roughly $186,000 a year. That covers the full $4,343 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Naples Park, US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance, NAIC average premium for Florida.
- Electricity price, EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate, Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.