Naples, Florida
Luxury living on the Gulf Coast with world-class shopping and beaches
Naples, FL: Quick Facts (Updated August 2026)
What is the median home price in Naples?
The median home price in Naples is $750,000 as of August 2026. This is the highest median in our guide, with luxury estates at $10M+ pushing the average up while homes under $500K are still available in some inland areas.
How far is Naples from the beach?
About 5 to 10 minutes from Naples Beach. Naples has miles of white sand beaches along the Gulf of Mexico, including Vanderbilt Beach, Lowdermilk Park, and Delnor-Wiggins Pass State Park.
What are property taxes in Naples?
The average property tax rate in Naples is ~0.9%. Collier County has some of the lowest property tax rates in South Florida, and the Homestead Exemption offers additional savings for primary residences.
Is Naples a good place to live?
Naples is a small city with a large metro area city in Collier County with approximately 22,000 (city proper; metro area over 380,000) residents, known as the crown jewel of Florida's Gulf Coast with world-class shopping on 5th Avenue South, over 80 golf courses, and the Naples Philharmonic. It offers an unparalleled quality of life with pristine beaches, exceptional dining, and a vibrant cultural scene anchored by world-class arts institutions.
What is the cost of living in Naples?
Naples has the highest cost of living in our guide, consistent with its position as one of the most desirable luxury destinations in the United States.
Data sources: Local county property appraiser records, Florida Realtors market data, U.S. Census Bureau estimates, and FEMA flood map data. Figures are approximate and subject to change.
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.
Want to listen? Here's the summary:
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 and Aqualane Shores, Naples delivers. The median home price is around $750,000, with a range from $400,000 to $10 million-plus, making it the most expensive option in our guide. Property tax rates average approximately 0.9%, the lowest in our guide and well below Bergen County's 2.3% average. The beaches, including Vanderbilt Beach and Delnor-Wiggins Pass State Park, are consistently ranked among the best in the country. Southwest Florida International Airport (RSW) in Fort Myers is about 30 minutes north. Homeowners insurance ranges from $3,000 to $8,000+ annually. Naples is best for those seeking the highest-end Florida lifestyle, golf enthusiasts, and luxury home buyers looking for waterfront estates.
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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 popular spots 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, well-regarded 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.
Florida homeowners enjoy no state income tax and property taxes roughly half of Bergen County's rates.
This is educational information only. Consult a licensed CPA or tax attorney for advice specific to your situation.
Schools & Education
Naples is served by Collier County Public Schools, which serves the community with elementary, middle, and high school options.
- Collier County Schools serves the Naples area
- Naples High School and Barron Collier High School serve the area
- Gulf Coast High School and Palmetto Ridge High School with IB options
- Community School of Naples, a private school option
- 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.
Insurance rates and availability vary by carrier, location, and property type. Consult your carrier or a licensed Florida insurance agent for current rates and coverage options.
Your Naples Relocation Playbook
Moving from New Jersey to Naples is one of the most exciting decisions you will make, and having a clear plan makes all the difference. Whether you are buying or renting, the process follows a predictable path. Start with research and budgeting, then move into property selection, financing, and the final transition. The full NJ to FL Relocation Checklist walks you through every step from 12 months out to after the move.
The Southbound Advisory Council Approach
Scott Selleck's Southbound Advisory Council is designed specifically for NJ-to-FL relocators. From your first conversation, you receive a structured timeline, vetted agent referrals in your destination market, and ongoing support through every phase of the move.
Renting in Naples
Southwest Florida's luxury capital with golf, beaches, and a refined lifestyle.
Rental Market Snapshot
What Renters Are Paying
Average rent across all unit types: approximately $2,700/mo.
What You Get for That Rent
Naples is one of Florida's most upscale cities, known for its world-class golf courses, beautiful beaches, and refined downtown along Fifth Avenue South. The rental market includes luxury condos, golf course communities, and waterfront developments. The city attracts retirees, seasonal residents, and professionals who want a sophisticated lifestyle.
Florida Renter Protections: What You Need to Know
Security Deposits
Florida does not cap security deposits. Landlords can charge any amount, though one to two months' rent is standard. Landlords must hold deposits in a separate non-interest-bearing account or post a surety bond. After move-out, they have 15 days to return the deposit with no deductions, or 30 days to send written notice of any claimed damages.
Lease Terms and Notice
Florida is a default-eviction state. Landlords can terminate a month-to-month tenancy with 15 days' written notice. For nonpayment of rent, landlords can issue a 3-day notice to pay or vacate. There is no statewide just-cause eviction requirement, though local ordinances may add protections.
HOA Rental Restrictions
Many Naples communities are governed by HOAs that restrict rentals. Common restrictions include minimum lease terms of 6 to 12 months, caps on the percentage of units that can be rented, and tenant approval requirements. Always verify HOA rules before signing a lease, as these restrictions can limit your options.
Source: Florida Statutes Chapter 83, Landlord and Tenant
Where Luxury Meets the Gulf
Naples is defined by its refined downtown along Fifth Avenue South, a walkable stretch of designer boutiques, art galleries, and world-class restaurants. The Naples Pier anchors the beach scene, offering sunset views and dolphin spotting. For renters, the lifestyle centers on beach access, golf, and the sophisticated cultural rhythm that makes Naples unique in Florida.
With over 80 golf courses, Naples is one of the premier golf destinations in the world. Many rental communities offer golf course views and access to club amenities. Vanderbilt Beach, Delnor-Wiggins Pass State Park, and Clam Pass Park provide miles of white sand and warm Gulf waters. The Gordon River Greenway and the Naples Preserve offer walking and biking trails for outdoor enthusiasts.
For NJ relocators, Naples offers a lifestyle that feels like a permanent vacation. The arts scene is anchored by the Naples Philharmonic and the Naples Art District, while the dining scene rivals much larger cities. Whether you rent a beachfront condo, a golf course villa, or a downtown apartment, the Naples lifestyle is about enjoying the finest things Florida has to offer.
Scott Selleck knows the Naples market. If you are considering a move to Southwest Florida, he can walk you through the rental options, neighborhoods, and what to expect as a renter in this luxury market.
Commute Options for Renters
Collier County Transit
Route: Collier County CAT bus system
Coverage: Limited routes through Naples and surrounding areas
Monthly pass: approximately $50
Best for: Local errands, limited commute use
Private Shuttles
Route: Community shuttles, hotel shuttles, airport shuttles
Coverage: Very limited, community-dependent
Cost: Varies by service
Best for: Airport runs, resort-to-downtown trips
Driving
Route: I-75, US 41, or local roads
Time: 30 minutes to RSW airport, 15 minutes to downtown
Parking: Most buildings include assigned parking
Best for: Everyday commuting and errands
What It Actually Costs to Rent in Naples
Monthly Rent
Median $2,700/mo for a typical 1-2 bedroom
Security Deposit
No state cap. Standard is 1-2 months' rent
Utilities
Electric $150-$250/mo (FPL/LK), water $30-$60/mo, internet $60-$90/mo
Renters Insurance
Commonly required by landlords. $15-$30/mo
HOA Fees
Some communities charge $50-$200/mo for amenities
Pet Costs
Monthly pet rent $25-$75. Breed restrictions common in HOA communities
All figures are estimates based on current Naples market data as of August 2026. Actual costs vary by community, unit size, and lease terms.
The Selleck Difference
Scott Selleck brings 32+ years of Bergen County real estate experience and dual licensure in both New Jersey (9236275) and Florida (SL3588731). He and The Selleck Group at Keller Williams City Views Realty specialize in guiding long-term NJ homeowners through the full transition: pricing and preparing your NJ home, connecting you with vetted agents in your Florida destination market, and keeping the entire process organized from the first conversation to closing day.
Scott's focus is education-first. Every resource on this site is designed to make a complex, emotional move feel clear and manageable. When you work with him, you are not just getting a transaction - you are getting a partner who has guided hundreds of families through this exact journey.
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 well-suited for those seeking a refined lifestyle?
Naples is one of the premier destinations in America for those seeking a refined lifestyle. The well-regarded healthcare and extensive amenities are key draws for many new residents.
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
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