The Cost of Living in Naples, FL: What to Expect in 2025

Naples, FL, is known for its stunning beaches, luxurious lifestyle, and world-class golf courses. But what does it actually cost to live here? Whether you're considering relocating or investing in a second home, understanding the cost of living in Naples can help you make an informed decision. Here's a breakdown of key expenses in 2025.

1. Housing Costs

Housing is one of the biggest factors in the cost of living. Naples is home to a range of properties, from high-end beachfront estates to more affordable condos and single-family homes.

• Median Home Price: As of January 2025, the median home price in Naples is approximately $675,000, though luxury properties can go well into the millions.

• Renting: A one-bedroom apartment in the downtown area could cost around $3,000 per month, while more suburban areas offer rentals for $2,000-$2,500 per month.

  
  

2. Property Taxes & Insurance

Florida has no state income tax, but property taxes vary by location. In Naples, expect to pay approximately 1% of your home’s assessed value annually.

Additionally, homeowners insurance, particularly for properties near the coast, can be pricey due to hurricane and flood risks, averaging $3,500-$6,000 per year depending on the property.

3. Utilities & Monthly Bills

Utility costs in Naples are moderate compared to national averages.

• Electricity: Around $150-$250 per month, depending on home size and A/C usage.

• Water & Sewer: Typically $50-$100 per month.

• Internet & Cable: High-speed internet plans start at $60 per month, with bundled cable and streaming services costing upwards of $150.

  
  

4. Transportation Costs

While Naples is a car-dependent city, traffic is much lighter compared to major Florida metros.

• Gas Prices: Currently around $3.00-$3.50 per gallon as of January 2025.

• Car Insurance: Varies based on driving history, but the average premium is around $1,500-$2,500 per year.

• Public Transportation: Limited, though Collier Area Transit (CAT) provides local bus services with fares starting at $2 per ride.

  
  

5. Food & Dining

Grocery prices in Naples are slightly higher than the national average, but fresh seafood and farmers’ markets offer great local options.

• Grocery Budget: A family of four can expect to spend $800-$1,200 per month.

• Dining Out: A casual meal costs around $15-$25 per person, while fine dining at top restaurants can run $50-$100+ per person.

  
  

6. Entertainment & Leisure

Naples offers endless outdoor activities and entertainment.

• Beach & Parks: Collier county residents receive a free beach sticker annually, and beach parking for non collier residents or those without stickers is around $10.

• Golf Memberships: Public courses charge $50-$200 per round, while private clubs have memberships starting at $10,000+ annually.

• Gym Memberships: Range from $40-$200 per month, depending on type of gym and amenities.

  
  

Is Naples, FL Affordable for You?

Naples is a premium location with a higher-than-average cost of living, but the lack of state income tax, beautiful weather, and high quality of life make it a desirable destination. Whether you're retiring, moving with a family, or looking for a second home, Naples offers a range of options for different budgets.

Thinking about making the move? Let’s connect and find the perfect home for you in Naples!