Moving to Naples
Cost of living
This page does not publish a monthly budget for Naples. The figures that are stable enough to cite are tax rules and insurance mechanics, and even those need a quote for a specific house.
What you can check without a guess
- Personal income tax: none at the state level. Florida Department of Revenue.
- Property tax and homestead rules depend on the house and whether you claim Florida residency. The Collier County Property Appraiser is the office that has the assessment. This page does not quote a millage rate.
- Wind-mitigation discounts exist in Florida law. Insurers must offer credits for features that reduce wind loss, documented on the state uniform inspection form (OIR-B1-1802, updated effective April 1, 2026, valid up to five years if nothing material changes). Florida Office of Insurance Regulation.
- Sale prices, HOA dues, and golf fees are left off this page on purpose. A realtor or the club can quote them.
Related: hurricane prep for a second home and visitor budget notes for beach and park fees, which are a different question from the cost of living here.
Get free quotes
This form emails sunshine@naplesvacationplanner.com. If you tick the consent box, the same enquiry may be shared with up to 2–3 vetted local insurance agents. It is a request for quotes, not a booking.
Frequently Asked Questions
Florida does not impose a personal income tax, so there is no state personal-income-tax return for individuals. Businesses can still have filing requirements. Source: Florida Department of Revenue.
Collier County’s 2026 hurricane guidance says a standard homeowners policy does not cover flood damage, and that an NFIP flood policy typically has a 30-day wait before coverage starts. Hurricane deductibles in Florida are often a percentage of the insured value. Ask the agent for the percentage on the policy you are considering.