Total monthly cost of ownership
Cost to Own a Home in Naples, Utah
A $264,000 home here costs
$1,943per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,357. The real number is $586 higher every month — 43% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Naples against Uintah County and Utah
| Measure | Naples | Uintah County |
|---|---|---|
| Median home value | $264,100 | $270,200 |
| Median property tax | $1,699 | $1,447 |
| Effective tax rate | 0.643% | 0.536% |
| Median gross rent | $1,321 | $914 |
| Population | 3,217 | 36,458 |
The weather behind that power bill
Naples sits in Uintah County, which averages a high of 95.1°F in its hottest month and a low of 5.0°F in its coldest, with 7.03" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 906 cooling and 6,773 heating degree days, which is what sets the $117 electricity line above.
See the full climate breakdown for Uintah County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Uintah County
Common questions
How much does it cost to own a home in Naples?
A $264,000 home in Naples, Utah costs approximately $1,943 per month with 20% down at 6.66%. That is $1,357 principal and interest, $141 property tax, $40 homeowners insurance, $185 utilities and $220 set aside for maintenance.
What is the property tax rate in Naples?
Naples has an effective property tax rate of 0.643%, based on a median home value of $264,100 and median real estate taxes of $1,699. That is higher than the Uintah County average of 0.536%.
What is the average home price in Naples?
The median owner-occupied home value in Naples, Utah is $264,100, against $270,200 across Uintah County.
Is it cheaper to rent or buy in Naples?
Median gross rent in Naples is $1,321 a month, against $1,943 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Naples — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Utah.
- 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.