The typical owner-occupied home in Naples is worth about $533,500, 80% above the Maine median of $296,600 and 60% above the national median of $332,700. Owners pay a median $3,318 a year in property taxes, about 0.62% of their home's value, lower than the Maine rate of 1.02%. The median household earns $61,510 a year, so the median home costs 8.7 times the median income (4.0 times for Maine). 61% of occupied homes here are lived in by their owners, and 24% of those owners still have a mortgage.
Naples at a glance
| Naples | Maine | U.S. | |
|---|---|---|---|
| Median home value | $533,500 | $296,600 | $332,700 |
| Median property tax paid per year | $3,318 | $3,036 | $3,119 |
| Property tax as a share of value | 0.62% | 1.02% | 0.94% |
| Median household income | $61,510 | $74,733 | $80,734 |
| Homes lived in by their owners | 61% | 74% | 65% |
| Owner homes with a mortgage | 24% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $2,719 | $1,729 | $1,963 |
| Those costs as a share of the owners' income | 16.9% | 20.6% | 21.0% |
| Median rent | $2,095 | $1,139 | $1,413 |
| Rent as a share of renters' income | 51.0% | 29.4% | 30.6% |
| Median year homes were built | 1983 | 1977 | 1980 |
| Vacant homes | 27.1% | 20.6% | 10.1% |
| Population | 527 | 1,387,817 | 334,922,499 |
What a typical home costs per month in Naples
At this week's average 30-year rate of 7.11%, buying the median Naples home of $533,500 with 20% down costs about $3,369 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,258, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $144,387 for the 20%-down payment. That payment is 66% of the median Naples household income of $61,510; at that income and 20% down, the 28% guideline points to a home of about $227,000.
The median rent here is $2,095 a month, so owning the median home costs about $1,274 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $106,700 |
|---|---|
| Loan amount | $426,800 |
| Principal and interest | $2,871 |
| Property taxes (0.62% a year) | $276 |
| Homeowners insurance (our estimate, 0.5% a year) | $222 |
| PMI | $0 |
| Total per month | $3,369 |
Change the numbers in the calculator
| Down payment | $18,672 |
|---|---|
| Loan amount | $523,837 |
| Principal and interest | $3,524 |
| Property taxes (0.62% a year) | $276 |
| Homeowners insurance (our estimate, 0.5% a year) | $222 |
| FHA mortgage insurance | $236 |
| Total per month | $4,258 |
Change the numbers in the calculator
Questions about home buying in Naples
What is the median home value in Naples?
About $533,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Naples?
Homeowners pay a median $3,318 a year, which is about 0.62% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Naples?
For the median home with 20% down at 7.11%, the payment is about $3,369 a month. Keeping that under 28% of gross income takes about $144,387 a year.
More about Naples
- Mortgage Refinance in Naples
- Debt Relief in Naples
- Home Equity Loans in Naples
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data