Cost of Living in Naples, FL [2025]

Dreaming of Sunshine and Seashells? Naples, Florida might be your perfect paradise. Nestled on the stunning Gulf Coast, Naples offers residents a vibrant mix of coastal charm and exciting amenities. Whether you're seeking relaxation on pristine beaches, cultural exploration at world-class museums, or adventurous days on the water, Naples has something for everyone.

But before you start packing your swimsuit, you'll likely want to consider the cost of living. Renting an apartment or house is often the first step for newcomers, so this guide will delve into the rental market in Naples, providing you with essential information to budget effectively and find your dream Naples home.

Cost of Living in Naples, FL

What Is the Cost of Living in Naples, FL?

According to BestPlaces.net, the cost of living in Naples is about 13% higher than the rest of the United States, and about 10% higher than the rest of Florida. Let’s see how that breaks down by category:

Where is the Cost of Living Highest in Naples, FL?

Renters will find that areas of northwestern Naples are usually more expensive than in the southern areas. Royal Harbor is among the most expensive places to live in Naples, FL. Rental prices for a one-bedroom apartment in Royal Harbor is around $2,250 a month with two bedrooms going up as high as $7,500 each month.

Where is the Cost of Living Lowest in Naples, Florida?

Naples, FL is notorious expensive, but there are some areas that are cheaper than others. Henderson Park Creek in Collier county is among the least expensive neighborhoods in Naples where rents start at $1,700 a month. Of course, teaming up with a roommate or taking on a side hustle can open up more opportunities in Naples.

How Much Is Rent in Naples, FL?

According to our data from December 2024, rent in Naples averaged around $2,104 for a studio, $2,406 for a 1-bedroom, $2,865 for a 2-bedroom, and $3,472 for a 3-bedroom apartment. Rents will vary, with more expensive apartments located near the beach or amenities. In most areas of the country, rents are often lower in the winter, but Florida usually works differently. With so many snowbirds coming to the area in winter months, it's best to keep an eye out for rent specials year-round to jump on affordable rents.

How Much Is a 1-Bedroom Apartment in Naples, FL?

As of December 2024, one-bedroom apartments in Naples cost an average of $2,406 a month.

How Much Is a 2-Bedroom Apartment in Naples, FL?

If you need more space, are teaming up with a roommate, or have a family, you can find larger apartments for rent in Naples. As of December 2024, two-bedroom apartments in Naples averaged $2,865 a month.

How Much Does a House Cost in Naples, Florida?

If you're thinking about buying a house in Naples, FL in the near future, you need an idea of what's going o with the market. Currently, the median home price in Naples, FL is $1,045,900. That's significantly higher than the median home price of $362,400 in the state of Florida or $338,100 in the United States.

What Salary Do You Need to Live in Naples, FL?

There are a few different ways to estimate what salary you need to live in a city like Naples, FL. One way involves estimating based on how much you expect to spend on rent using a rule of budgeting that says rent should not be more than 30% of your income. If one-bedrooms currently run around $2,406 a month, that means you should probably make around $96,240 a year to live comfortably in Naples.

Another option is to use the “living wage” calculation made available by researchers at MIT. According to their data, a single adult would need to earn $23.13 an hour in order to live in Naples (or $48,113 a year before taxes). Of course, with fluctuating rents, that figure can change quickly. The living wage also doesn't account for any extras, like student loan repayments, emergency savings, or indulgences like travel.

We can also get an idea of what to expect from the U.S. Census Bureau data. Currently, the median household income in Naples, FL is $140,833 a year or about $67.71 an hour. That's significantly higher than the median household income in the rest of the country of $78,538 a year, or around $37.78 per hour.

How Much Is Transportation in Naples, FL?

MIT estimates that a single person with no children will spend around $10,054 a year on transportation, while a family of four will spend closer to $14,657. These high costs are associated with a city that requires a lot of transportation by car, though you will find options for public transit, biking, and walking.

Getting around Naples can be navigated in a few different ways, depending on your lifestyle and budget. The walkability of your chosen neighborhood will play a big role. Naples offers a public bus system, the RideCAT, for a budget-friendly option. However, for those venturing outside the core areas or seeking more flexibility, a car may be necessary.

How Much Is Child Care in Naples, FL?

According to MIT, the cost of child care in Naples is high, as it is across the country. Families will spend on average $10,809 a year for child care for one child or $20,212 for two children in Naples.

How Much Are Groceries in Naples, FL?

Groceries and eating at home will take up a signicant portion of your monthly budget. According to MIT's latest data, a single person would spend around $4,912 a year on food in Naples, which comes out to a little over $400 per month. With so much fresh seafood and global cuisine in Naples to choose from, it's also important to factor in some dining out. According to Numbeo, an inexpensive meal would cost $30 per person. For a three-course meal for two, you would spend around $90, not including alcohol.

How Much Does Healthcare Cost in Florida?

It's important stay healthy and not to skimp on healthcare costs in Florida. You can make room in your budget by using MIT's data. We collected the average healthcare costs associated with a single individual and a household. Here's what those numbers look like:

• Single Adult Annual Healthcare Costs: $2,869
• Family of Four Annual Healthcare Costs: $10,062

You can shop for a healthcare insurance plan that fits your and your family's needs and budget online via Florida's health insurance marketplace.

How Much Are Utilities in Naples, FL?

In Florida as a whole, utilities are slightly less expensive than the rest of the country. Floridian renters spend around $217.09 a month on electricity, fuel, gas, and water, whereas the rest of the country spends $253.14. That’s partly due to the reduced cost of heating in the winter months.

Naples, FL Fitness & Entertainment

Gyms are widely available in Naples, and prices can range widely depending on how much or how little you want to use the gym. According to data from Numbeo, you'll spend around $68 a month for a gym membership. To go to the movies, you'll spend $14.50 for a ticket, not including snacks and drinks.

Fortunately, Naples glorious year-round weather makes it easy to find free, outdoor activities. From swimming to jogging on the beach, you can find ways to stay fit without the added expense to your budget.

Find Your Next Apartment in Naples, FL

Intrigued by the rental landscape in Naples? Now that you have a better idea of transportation options and their costs, you can start picturing your dream Naples home! Head over to our apartment listings in Naples, a trusted resource for finding rentals, to explore the variety of apartments available. With filters for price, location, and amenities, you're sure to find the perfect fit for your budget and lifestyle.

FAQs about Cost of Living in Naples

How expensive is an apartment in Naples, Florida?

Rents in Florida vary depending on the location. A one-bedroom apartment in Tampa is $1,326 and a two-bedroom costs $1,655. In Miami, a one-bedroom apartment costs $1,600 and a two-bedroom costs $2,119. In Orlando, a one-bedroom apartment costs $1,319 and a two-bedroom costs $1,639. In Jacksonville, a one-bedroom apartment costs $1,097 and a two-bedroom costs $1,291.

What is the cheapest rent in Naples, Florida?

One of the more budget-friendly options is Henderson Park Creek in Collier County, where rental prices start at around $1,700 per month. If you're looking to stretch your budget further, consider splitting costs with a roommate or exploring side gigs to make living in Naples more accessible.

Is it expensive to live in Naples, Florida?

Many cities in Florida are not particularly expensive. The average cost of living in Florida is 13.0% higher than the national average. To break down some of the costs, annual grocery costs in Naples, FL costs $4,912 a month. Transportation costs $10,054, and healthcare will cost around $2,869 a month for a single adult.

What is the population of Naples, Florida?

According to the U.S. Census Bureau, the population of Florida as of 2023 was 19,704. By comparison, the population in the entire state of Florida is 22,610,726.

What is a good salary in Naples, FL?

According to the U.S. Census Bureau, the median household income in Naples, FL, is $140,833. However, using the 30% rule for budgeting, which recommends spending no more than 30% of your income on rent, you'll need to carefully evaluate your earnings. With the average cost of a one-bedroom apartment in Naples at $2,406 per month, you should ideally earn at least $96,240 annually to live comfortably.