Naples, Florida
Luxury living on the Gulf Coast with world-class shopping and beaches
Naples is the crown jewel of Florida's Gulf Coast, a city synonymous with luxury living, world-class golf, and some of the most beautiful beaches in the United States. For NJ transplants who want the finest Florida has to offer — from upscale shopping on 5th Avenue South to estate homes in Port Royal to championship golf at the Naples National — Naples delivers. The city has a refined, sophisticated character while still maintaining the relaxed coastal atmosphere that draws people to Florida. The median home price is higher than almost anywhere else in Florida outside of Palm Beach, but for those who can afford it, Naples offers an unparalleled quality of life with pristine beaches, exceptional dining, and a vibrant cultural scene anchored by the Naples Philharmonic and the Naples Art District.
Key Numbers for Naples
Property Taxes
~0.9%
vs. Bergen County ~2.3%
Median Home Price
$750K
$400K to $10M+
State Income Tax
0%
vs. NJ up to 10.75%
Best For
Those seeking the highest-end Florida lifestyle, Golf enthusiasts who want access to world-class courses, Luxury home buyers looking for waterfront estates, People who want upscale shopping, dining, and cultural amenities, NJ transplants who want the best of the best on the Gulf Coast
Life in Naples
Fifth Avenue South and Third Street South are the shopping and dining heart of Naples, with designer boutiques, art galleries, and world-class restaurants in a charming, walkable setting. The Naples Pier, a historic landmark, is the center of beach life, offering fishing, sunset views, and dolphin watching.
The beach is the main attraction. Naples Beach, Vanderbilt Beach, and Delnor-Wiggins Pass State Park offer miles of white sand and warm Gulf waters. The Lowdermilk Park and Clam Pass Park are family favorites with amenities and concession stands.
Naples is a golfer's paradise with over 80 golf courses, many designed by legendary architects. Private clubs like the Naples National Golf Club, Calusa Pines, and the Mediterra are among the most exclusive in the country. The city also has a strong tennis scene, excellent fitness facilities, and extensive walking and biking trails through the Gordon River Greenway and the Naples Preserve.
Property Tax Comparison: Bergen County vs. Naples
Collier County property taxes are lower than Bergen County, with homesteaded rates of approximately 0.8% to 1.1%. The savings are substantial, especially considering Florida's no state income tax on high earners.
Bergen County, NJ
~2.3%
On a $600,000 home: ~$13,800/year
Naples, FL
~0.9%
On a $1,000,000 home: approximately $9,000/year. Bergen County equivalent: ~$23,000/year.
Potential annual savings: ~$6,600+ on a $600,000 home
Schools & Education
Naples is served by Collier County Public Schools, one of the highest-rated school districts in Florida. The district consistently ranks among the top in the state for academic performance.
- Collier County Schools ranked among top 5 districts in Florida
- Naples High School and Barron Collier High School with strong programs
- Gulf Coast High School and Palmetto Ridge High School with IB options
- Community School of Naples, a top private school
- Florida Gulf Coast University and Ave Maria University nearby
Getting Back to New Jersey
Southwest Florida International Airport (RSW) is about 30 minutes north with non-stop flights to Newark (EWR), LaGuardia (LGA), and other Northeast airports. Naples Airport (APF) handles private and charter flights. Driving to Bergen County is approximately 16-17 hours via I-95.
Insurance Considerations
Homeowners insurance in Naples is expensive due to coastal hurricane exposure. Expect annual premiums between $5,000 and $15,000+ depending on the property's value, age, and location. Newer homes with impact windows and wind mitigation features will have lower rates. Flood insurance is required for most waterfront properties.
Is Naples Right for You?
This town is an excellent match if you're looking for:
Questions About Naples?
Naples represents the pinnacle of Florida coastal living. I can help you find the perfect home, whether it's a beachfront condo, a golf course estate, or a downtown pied-a-terre.
Frequently Asked Questions About Naples
Is Naples the most expensive city in our guide?
With a median home price of $750K+, Naples is the most expensive option. However, luxury estates at $10M+ push the average up, and homes under $500K are still available in some areas.
What makes Naples special?
Naples offers the pinnacle of Florida Gulf Coast living: world-class beaches, over 80 golf courses, upscale shopping on 5th Avenue South, and the Naples Philharmonic and arts district.
Is Naples good for retirees?
Naples is one of the premier retirement destinations in America. The refined lifestyle, excellent healthcare, and extensive amenities for active adults make it ideal for affluent retirees.
How much is home insurance in Naples?
Expect $5,000 to $15,000+ annually. Coastal hurricane exposure drives premiums higher than almost anywhere else in Florida. Newer homes with wind mitigation earn the best rates.
What are the best neighborhoods in Naples?
Port Royal (ultra-luxury estates), Old Naples (walkable downtown), Pelican Bay (golf and beach), and North Naples (community-oriented). Each offers a distinct lifestyle at different price points.
How far is Naples from the airport?
Southwest Florida International Airport (RSW) is about 30 minutes north with non-stop flights to Newark (EWR). Naples Airport (APF) handles private and charter flights.
Related Resources
Continue exploring your NJ to Florida relocation with these helpful guides and tools.
Explore Other South Florida Towns
Browse all South Florida town guides
New Jersey Life & Home Selling Guide
How to sell your NJ home and prepare for the move
Florida Insurance Cost Estimator
See how insurance costs vary by region
Which Florida Town Is Right for You?
Take our 7-question quiz for a personalized recommendation