Cost of Living in Naples, Florida

Other Living Expenses in Naples, Florida

In addition to Naples’ housing costs, you’ll need to factor in grocery, transportation, and utility expenses to get a more accurate picture of the cost of living in Naples, Florida. Let’s delve into each of these costs.

Grocery Shopping and Dining Out in Naples

The MIT Living Wage calculator estimates that a single adult with no children in Naples spends about $4,977 per year on food, and a household of two working adults and two children averages $14,567, as of February 2026. Here’s a breakdown of these costs in Naples from pantry staples to dining out:

• Average grocery basket prices: According to Numbeo™ (June 2026), the cost of one gallon of milk averages $4.83, a loaf of bread is around $4.07, and a carton of eggs is roughly $4.38.

• Sample restaurant meal costs: A fast-food meal averages $12, while a meal for two, without drinks, at a mid-range restaurant averages $110, per Numbeo’s June 2026 data.

• Cost comparison vs. national averages: Overall, food costs in Naples, Florida, average 14% lower than the national average, according to Salary.com as of June 2026.

Transportation Options and Fuel Costs in Naples

The downtown area is considered pedestrian-friendly, but you can find public transportation options through Collier Area Transit, which offers one-day passes for $3, 15-day passes for $20, and 30-day passes for $40, as of June 2026. However, the most common mode of transportation in Naples is personal vehicles, so transportation costs in Naples would generally include an auto loan, car repairs, and gas. According to AAA®, gas is about $3.83 per gallon in Naples as of June 2026.

Healthcare and Insurance Costs in Naples

Overall, healthcare costs in Naples average $3,328 annually for a single working adult with no children and $12,157 for a household of two working adults with two children, according to the MIT Living Wage Calculator as of February 2026. Per Doxo®, medical insurance bills average 5% lower than the national benchmark as of June 2026, while MoneyGeek® reports that premiums for some of the best health insurance plans in Florida range from $645 to $885 per month, depending on the plan and provider.

Utilities, Internet, and Phone Expenses in Naples

The recurring monthly bills homeowners are typically responsible for include electricity, groceries, water, and sewer, all of which impact the Naples cost of living. According to Doxo, as of June 2026, household bills in Naples are about 6% more expensive than the national average.

Here’s a more detailed breakdown of utilities and their associated monthly costs in Naples, according to Doxo:

• Water and sewer: $83

• Electric: $103

• Cable and satellite: $120

• Mobile phone: $84

• Internet: $91.50 (Numbeo, June 2026)

Tax Rates in the Naples Area

While Florida doesn’t levy state income tax and offers numerous property-specific tax benefits, such as a homestead exemption for homebuyers who make their Florida home their primary residence, you do still have property and sales taxes to pay. Here’s a breakdown of those tax rates:

• Income tax: One of the perks of being a Florida resident is that you pay no state income tax.

• Property tax: The average property tax in Collier County, where Naples is the county seat, is 0.57%, according to SmartAsset™ as of June 2026.

• Sales tax: The 2026 sales tax rate in Florida is 6%, according to the Florida Department of Revenue.

Recreation Costs in Naples, Florida

Living in Naples, you can enjoy an abundance of recreational activities, from sunbathing at the beach to sampling diverse cuisine. Here’s a sample of some costs related to entertainment and leisure in Naples:

• Naples offers numerous gyms, all with varying enrollment and membership costs. For example, a monthly membership at Planet Fitness® starts at $15, but there’s also a $39 start-up fee and a $49 annual fee as of June 2026. You could also consider membership at the local YMCA®, which starts at $62 per month for a single adult with a $75 enrollment fee.

• Parking at the beach costs $5 per hour at the meter, as of June 2026, according to the Naples.gov website. For more fun in the sun, you can hop on a catamaran with Backwater Adventure and tour the waterways for $170 per person or rent a paddleboard or kayak for an average of $58 for two hours, according to TripAdvisor® as of June 2026.

• A ticket to the Naples Botanical Garden depends on the day, time, and time of year, but a Saturday general admission ticket is $27 for one adult as of June 2026

• You could also take the family to the Naples Zoo, where a child’s ticket is $17.95 and an adult ticket is $26.95 as of June 2026.

Average Salary in Naples, FL

ZipRecruiter® finds that the average salary in Naples, Florida, is $49,471 as of June 2026. According to the MIT Living Wage Calculator, as of February 2026, the required annual income (after taxes) to cover basic expenses for a single adult without children is around $42.8K, and a household of two working adults with two children should earn a combined $106.6K.

Naples, FL, Cost of Living Comparison

Choosing a city to call home often depends on your lifestyle and preferences. If you’re considering more than one location for your next move, this Naples, FL, cost of living comparison, courtesy of Numbeo’s June 2026 data, could be helpful in your decision-making process:

• Naples, FL vs. Sarasota, FL: Both Naples and Sarasota are appealing, but in the Naples vs Sarasota cost of living comparison, Naples tends to have higher living expenses. For example, rent is 19.6% higher and dining out is 6.9% higher in Naples than in Sarasota, while groceries in Naples are 1.5% lower.

• Naples, FL vs. Miami, FL: Compared to Naples, Miami has an even higher cost of living, with overall expenses being 7.9% lower in Naples. For example, rent is 11.5% lower and groceries are 9.4% lower in Naples than in Miami.

• Naples, FL vs. San Diego, CA: The Naples, Florida, cost of living is 6.5% less than the cost of living in San Diego, according to Numbeo, with rent prices 19.8% lower and grocery costs 6.5% lower in Naples than in San Diego.

Average Cost of New Construction Homes in Naples by Neighborhood

If a move to Naples is in your future and you’re considering areas with new construction homes, the suburbs around Naples can be an ideal place to start your search. These areas are all conveniently close to stunning beaches, golf courses, and luxury shopping and dining experiences.

Naples

White, sandy beaches along beautiful blue water and summer weather almost year-round may be two of the more popular reasons why homebuyers flock to Naples. Other perks of living in Naples include access to golf courses, shopping, and fun attractions, such as the Naples Zoo and Naples Botanical Garden. Naples earns the #15 spot in U.S. News & World Report® “Best Places to Live” rankings for 2026–2027. Niche.com™ residents give the area an overall A score, as of June 2026, helping make it the second-best place to live in Collier County.

According to NewHomeSource™, the cost of new construction homes in Naples can run as high as $2.7M. Pulte new construction homes in Naples, FL, start in the mid $800Ks.

North Naples

North Naples is luxury living at its finest, where you can choose to spend your afternoons at the beach, taking in the latest exhibit at one of the area’s fine arts museums, or exploring one of Florida’s state parks. North Naples also offers luxury retail shopping at Mercato and Waterside Shops.

The cost to build a new home in North Naples can range from $1M–$3M, according to NewHomeSource as of June 2026.

Ave Maria

Experience a peaceful suburban getaway in Ave Maria. This Naples suburb offers the perfect balance of Naples’ historic beauty and the beach with less congestion and crowds during peak tourist season. Top attractions in Ave Maria include the Ave Maria Oratory and the Mother Teresa Museum.

The average cost of new construction homes in Ave Maria is in the low $400Ks, according to NewHomeSource as of June 2026. Our new construction homes in Ave Maria, FL, start in the upper $200Ks.

Estero

Just up the coast from Naples and Fort Myers is Estero, Florida. This charming area is home to the Estero Bay Aquatic Preserve. In addition to being known for its high-end dining and shopping, Estero residents rank the suburb #6 among the best places to live in Lee County on Niche.com as of June 2026.

According to Zillow®, new construction homes in Estero can range from the upper $500Ks to $1.7M and more as of June 2026.

Cost of Living in Naples, Florida: Conclusion

Knowing the average cost of living in Naples, Florida, can help make a difference when planning your move to this beautiful coastal city. In the greater Naples area, you'll find a variety of neighborhoods and suburbs to choose from, as well as stunning new construction homes in Pulte communities that can fit your budget or lifestyle.

Explore new construction homes in Naples, Florida, today, or browse more Pulte blogs.

Written By: Alexandra Shimalla, Freelance Journalist

Last Updated 8/10/26