How Much Does It Cost to Move to Naples, Florida?

Thinking about relocating to paradise? Here’s what to expect.

Naples, Florida offers pristine beaches, luxury living, and a relaxed coastal lifestyle—but how much does it really cost to move here and settle in comfortably? Whether you're relocating full-time or looking for a seasonal home, it’s important to budget beyond the purchase price of your new property.

Here’s a comprehensive breakdown of what it costs to move to Naples and live well once you’re here.

Moving & Relocation Costs

Your total moving expenses will depend on where you're coming from, the size of your household, and the services you require.

• Local Move: Around $2,000 for a full-service move within the region

• Long-Distance Move: $4,000–$10,000+ depending on mileage and volume

• Additional Services: Packing, storage, moving insurance, and specialty item handling can add several hundred to several thousand dollars

If you're moving a luxury household, white-glove relocation services are also available—and can be coordinated through my trusted vendors.

Housing: Rent or Buy?

Renting in Naples:

• One-bedroom apartment downtown: $2,500–$3,000/month

• Two-bedroom condo or townhome: $2,800–$4,000/month (luxury and waterfront units even higher)

• Seasonal rentals in high demand can exceed $8,000/month during peak season

Buying in Naples:

• Median home prices range from $600,000 to $700,000

• Gated communities and new construction begin around $1M

• Waterfront and luxury estates: $2M to $10M+, with ultra-luxury in Port Royal reaching well into eight figures

Naples offers a diverse range of housing options—whether you’re buying your dream home or testing the waters with a rental.

Monthly Living Expenses

Once you're here, your monthly costs will depend heavily on your lifestyle, but here are some averages to help you plan:

Cost of Living & Ideal Income

While Florida has no state income tax, Naples does have a relatively high cost of living compared to national averages. For most individuals and families, a six-figure income allows for a comfortable lifestyle.

• Single individuals: $90,000–$120,000/year

• Couples or families: $130,000–$200,000+ depending on housing choice and lifestyle

• Luxury buyers: Expect to scale your income accordingly to support property taxes, maintenance, and insurance on multimillion-dollar homes

Hidden Costs to Consider

• HOA and Community Fees: Particularly in gated or waterfront communities

• Hurricane Insurance: Coastal homes may require additional wind or flood insurance

• Seasonal Price Spikes: Services and rentals cost more in winter months

• Home Maintenance: Pools, landscaping, and exterior upkeep can add $500–$1,500/month

Tips to Save Without Sacrificing Lifestyle

• Consider nearby areas like North Naples, Estero, or Golden Gate for more affordable options

• Purchase off-season for potential negotiation power

• Ask your real estate advisor (that’s me!) about communities with lower HOA fees and strong appreciation potential

• Take advantage of Florida’s homestead exemption if this will be your primary residence

Ready to Make the Move?

Moving to Naples is an investment in quality of life—think warm winters, ocean breezes, fine dining, and a strong real estate market. But to make a confident, informed move, it pays to understand the full financial picture.

Whether you're relocating from out of state or upgrading within Florida, I can help you evaluate the best neighborhoods, align your budget with your goals, and connect you with trusted professionals to make your transition smooth.

Let's turn your move into your best investment yet.
Ready to find your place in Naples? Reach out today.

Learn more here with our Moving to Naples Guide: https://naplesjamie.com/moving-to-naples