Thinking about moving to Naples, Florida? One of the first questions people ask is: Is Naples expensive? Known for its stunning Gulf-front homes, upscale lifestyle, and beautiful natural surroundings, Naples does have a reputation for luxury—but that doesn’t mean it’s out of reach for everyone.
In this post, we break down the cost of living in Naples FL and explore what makes this coastal paradise one of the most desirable—and nuanced—places to live in Florida.
1. Housing Costs in Naples: A Wide Range of Options
Yes, Naples is known for its luxury real estate, especially in areas like Port Royal, Old Naples, and Park Shore, where homes can range from $3 million to $30+ million. But Naples also offers more affordable options in neighborhoods like Golden Gate Estates, Naples Park, and Lely Resort.
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Median home price: Around $600,000–$700,000 (as of 2025)
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Luxury home market: $2M+ in prime waterfront and golf course communities
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Condo options: From under $400K to $1M+, depending on location and amenities
- Learn more about moving to Naples HERE
Whether you’re a retiree, a seasonal resident, or relocating with a family, Naples offers diverse property types—from beachfront condos to new-build communities and golf villas.
2. Property Taxes and Florida Tax Perks
While real estate may be higher than in other areas, Florida’s tax benefits help offset those costs, especially for high-net-worth individuals.
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No state income tax
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No inheritance or estate tax
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Homestead exemption available for primary residences
- Learn more about moving to Naples HERE
This makes living in Naples, Florida not just beautiful, but also financially strategic—especially if you're planning to establish residency.
3. Daily Living Expenses
Aside from housing, here’s what you can expect for day-to-day expenses:
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Groceries: Slightly above the national average, especially in high-end markets
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Dining out: Naples has many upscale restaurants, but casual and mid-range options are plentiful too
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Utilities: Average for Florida, with higher A/C costs during summer
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Transportation: No major public transit system, so most residents drive
- Learn more about moving to Naples HERE
Overall, the cost of living in Naples FL is around 10–15% higher than the national average, but comparable to other desirable coastal cities like Sarasota or West Palm Beach.
4. Is Naples Worth the Cost?
For many, the answer is absolutely yes.
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Year-round sunshine and white-sand beaches
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Top-rated schools and healthcare facilities
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Low crime rates and a strong sense of community
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Access to luxury amenities like golf, boating, and fine dining
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Clean streets, beautiful parks, and world-class real estate
- Learn more about moving to Naples HERE
While Naples may be expensive in some areas, what you’re investing in is more than just a home—you’re buying into a lifestyle.
Final Thoughts: Is Naples Florida Expensive?
Yes, Naples can be expensive, especially in the luxury market. But it also offers incredible value in terms of safety, lifestyle, tax advantages, and quality of life. Whether you're a retiree seeking peace and beauty, a family looking for top schools, or a professional interested in tax-friendly living, Naples delivers on every front. Learn more about moving to Naples HERE
📲 Thinking About Moving to Naples?
Let’s find the neighborhood that fits your lifestyle.
Contact Jamie or Explore Naples Neighborhoods HERE
Let us help you find your perfect home and guide you through the relocation process. From new developments to waterfront estates, we specialize in finding homes that match your lifestyle.
➡️ Contact us today to start your Naples, Florida home search.
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