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Naples, FL housing market

Naples, FL metro median sale price $604K in Sep 2026, up 0.3% year over year. Also days on market, price cuts, affordability and ZIP-code figures.

The median sale price in the Naples, FL metro is $604K as of Sep 2026, up 0.3% from a year earlier. FHFA's repeat-sales index for the metro agrees within 0.5 points (up 0.8% through Q2 2026).

On median sale price, Naples ($604K) ranks 2nd of the 11 Florida metros Pecan Street tracks, between Miami / Fort Lauderdale ($650K) and Sarasota / Bradenton ($426K). Naples has the most median days on market of the 11 Florida metros (101 days), ahead of Fort Myers / Cape Coral (91 days). Naples has the lowest share of listings with a price cut of the 11 Florida metros (18%); Miami / Fort Lauderdale (22%) is next.

Listings spent a median 101 days on market in Sep 2026, the most of the 195 U.S. metros Pecan Street ranks on this measure. 18% of active listings carry a price cut, 1.8 points fewer than a year earlier. That share is the lowest of the 195 metros. Median asking prices sit about 12% above the median sale price. Building permits authorized 239 new housing units in Aug 2026.

At the 7.38% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $3,337 a month; at 28% of gross income, that takes about $143K a year. The median sale price equals about 19 years of HUD Fair Market Rent, a ratio up 0.2% from a year earlier. That ratio is higher than in most of the 193 metros. Active listings ask a median $383 per square foot, down 4.4% from a year earlier.

In eight of the 12 ZIP codes in the table below, median list prices are lower than a year earlier; four are higher.

Headline

Median sale price

Sep 2026

$604K

+0.3% year-over-year

How it’s calculated

Rolling 3-month median sale price vs. same 3 months one year prior.

Mortgage rate

Oct 14, 2026

7.38%

30-year fixed

Where it comes from

National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.

The same rate appears on every market page.

Monthly payment

Principal & interest

$3,337/mo

$143K/yr income needed

How it’s calculated

Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.

Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.

How Naples compares to other U.S. metros

Price cuts	↓195th of 195
Days on market	↑1st of 195 (top 1%)
Asking-vs-sale gap	↑18th of 166 (top 11%)
Price-to-rent	↑27th of 193 (top 14%)
Home-price growth	↓139th of 193

Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.

Affordability

Price-to-rent ratio	≈ 19 +0.2% YoY ↑27th of 193 (top 14%)
Asking price / sq ft	$383 -4.4% YoY

Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.

Market pressure

Listings with a price cut	≈ 18% -1.8 pts YoY ↓195th of 195
New housing units permitted	239

The median asking price $677K runs about 12% above the median sale price $604K.

Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Aug 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.

Market facts

ZIPs with listing data	12 shown of 20
MLS board of record	—
Price methodology	Redfin vs FHFA HPI
Data as of	Sep 2026

Recent signals

Strength 4 / 5

$1.10M

Naples median price -15.1% YoY

Price-per-sqft also -21.3% YoY, on about 73 closed sales a month.

Price reconciliation

normal · 0.5pp

Redfin (metro)

+0.3%

FHFA HPI · Q2 2026

+0.8%

Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.

Market dispatches

Citable market dispatches for Naples → Latest dispatch: Sep 25, 2026.

More markets in FL

Daytona Beach Fort Myers / Cape Coral Jacksonville Lakeland Melbourne / Palm Bay Miami / Fort Lauderdale Orlando Pensacola Sarasota / Bradenton Tampa / St. Petersburg

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ZIP-level data

ZIP	Median list price	Active listings	New listings	Price reductions	Days on market	Home value
34102	$3.1M↑	361↓	72↑	32↓	121↓	$1.3M↑
34103	$1.5M↓	264↓	48	24↓	126↓	$1.1M↓
34108	$1.2M↓	295↓	64↓	32↓	120↓	$1.0M↓
34109	$725K↑	209↓	50↑	32↓	101↓	$582K↓
34110	$734K↑	309↓	64↑	68↓	110↓	$600K↓
34112	$350K↓	369↓	84↑	68↓	99↓	$327K↓
34113	$494K↓	313↓	96↑	68↓	111↓	$497K↓
34114	$627K↓	355↓	88↑	52↓	105↓	$516K↓
34119	$709K↓	281↓	86↓	62↓	92↓	$649K↓
34120	$650K↑	483↓	122↑	116↓	84↓	$548K↓
34142	$450K↓	252↑	36↑	66↑	90↑	$342K↓
34145	$925K↓	413↓	94↑	68↓	100↓	$854K↑

ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.