Naples, FL housing market data: median home price, year-over-year appreciation, inventory, months of supply, days on market, affordability, and what it means
Naples, FL is currently a cold market. The median sale price sits near $621,000, down 4.1% from a year ago, with roughly 17,518 active listings and 5.5 months of supply. Homes are going under contract in about 44 days on average.
Naples, FL is currently a cold market. The median sale price sits near $621,000, down 4.1% from a year ago, with roughly 17,518 active listings and 5.5 months of supply. Homes are going under contract in about 44 days on average.
Affordability remains the binding constraint. At the current national average 30-year fixed rate near 6.42%, the typical payment on a median-priced home in Naples, FL runs about $3,983 per month including taxes and insurance, against a median rent near $3,255. That gap is what determines whether purchase conversations in this market start with payment, with price, or with a buydown structure.
Supply is rebuilding faster than demand can absorb it, which is why price reductions now touch roughly 33% of active listings. Builder incentives are widespread, and permits are running near 12,543 annualized units.
For originators, the practical read is this: seller concessions are widely available, which makes 2-1 buydowns, permanent point buydowns, and rate-improvement conversations the fastest path to a closed purchase.
Naples, FL currently reads as a cold market with 5.5 months of supply. Balanced is generally considered four to six months, so this market favors buyers.
The median sale price is approximately $621,000 as of 7/24/2026, down 4.1% from a year earlier.
Yes. Median prices are down about 4.1% year over year as inventory has rebuilt and price reductions have become common.
The typical down payment on a closed transaction is near $95,112, and the resulting payment at the current national average 30-year fixed rate is roughly $3,983 per month including taxes and insurance. Low-down-payment FHA, VA, and conventional 3% options can materially reduce the cash required.
Our directional 12-month range is -5.7% to -2.3% on median price. Confidence is moderate; the rate path is the dominant variable.
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