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Mortgage Calculator &
Closing Costs: Naples, FL

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Naples, Florida.

Median Home Price
$625K
Population
22K
Avg Monthly Rent
$2,250
Property Tax Rate
0.86%
Naples vs Florida Median
The median home price in Naples is $625,000, which is 58% above the Florida state median of $395,000.

Mortgage Calculator — Naples, FL

Pre-filled with Naples median home price and Florida tax/insurance rates. Adjust for your property.

$
$125,000
%
%
years
FL avg
%
$
Monthly Payment (PITI)
$3,958
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$3,160
per month
Taxes & Insurance
$798
per month
Total Interest Paid
$638K
over 30 years
Total Loan Cost
$1.1M
all payments
Payment Breakdown
Loan Amount$500,000
Principal & Interest$3,160
Property Taxes$448
Homeowners Insurance$350
Total Monthly PITI$3,958

Closing Costs — Naples, FL

Estimated closing costs based on Florida rates and fees applied to Naples prices.

$
%
Florida: Avg closing costs 1.8% of price. Transfer tax: 0.7%.
Estimated Closing Costs
$22,965
3.7% of purchase price
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Lender Fees
$4,925
origination, underwriting
Third-Party
$4,575
appraisal, title, inspection
Government Fees
$4,375
transfer taxes, recording
Prepaids + Escrow
$9,090
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$4,500
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$3,425
Recording Fee$150
Transfer Tax$4,375
Prepaid Taxes (3 mo)$1,344
Prepaid Insurance (12 mo)$4,200
Prepaid Interest (15 days)$1,503
Escrow Reserves$2,044
Total Closing Costs$22,965

Buying a Home in Naples, Florida

The median home price in Naples is $625,000, 58% above the Florida state median of $395,000. With a population of 22,088, Naples is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Florida average 0.86% annually. This moderate property tax rate means a $625,000 home in Naples would carry roughly $448/month in property taxes. Homeowners insurance in Florida runs approximately $4,200 per year. Insurance costs are notably high — factor this into your monthly budget.

Average rent in Naples is $2,250/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Naples is a higher-cost market. At $625K median, buyers need significant savings or strong income. Down payment assistance through Florida's Florida Hometown Heroes program becomes especially important.

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