Metropolitan Area

Naples, FL

Florida0
38
/100
Avoid
#858 of 894 metros
Top 96% nationally for investing

Market Snapshot

$556,339
Median Home Price
118% above national median
$2,739/mo
Median Rent
98% above national median
5.91%
Rent-to-Price Ratio
Top 49% nationally
-$1,301
Est. Monthly Cash Flow
With 20% down at 7.4% rate

Home values and rents: available snapshot

Only one observation is stored for Naples, FL. A historical trend cannot be calculated from this snapshot.

Typical home value (ZHVI)
$556,339
Source period: 2026-05-31
Monthly rent index (ZORI)
$2,739
Source period: 2026-05-31

Stored snapshot: 2026-06-29. Source dates describe the underlying observations, not today’s market.

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$556,339
Down Payment (20%)$111,268
Loan Amount$445,071
Interest Rate7.40%

Monthly Cash Flow

Gross Rent+$2,739
Monthly P&I-$3,082
Est. Expenses (35%)-$959
Net Cash Flow-$1,301/mo
3.8%
Cap Rate (all cash)
-12.2%
Cash-on-Cash Return
5.91%
Rent-to-Price Ratio
Negative leverage: At 7.40% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

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Score Breakdown

Overall Investment Score
38/100
38
Cash Flow(30%)
59/100

Based on 5.91% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
15/100

Based on -5.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
21/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Declining home values (-5.0% YoY)
  • -Negative cash flow at typical financing (-$1,301/mo)
  • -Negative leverage (cap rate 3.8% < mortgage rate 7.4%)
  • -High price-to-income ratio makes financing challenging

Counties in Naples, FL

County data is being compiled for this metro area.

Section 8 in Naples, FL: payment standards by ZIP, PHA waitlist status, and voucher counts are on VoucherMatch, the same HUD dataset with the tenant demand side attached.

Compare to Similar Metros

Metro AreaVerdict
Pampa, TX
Pampa, TX
58$101,834Est.HoldView
Helena, AR
Helena, AR
58$56,122Est.HoldView
Keene, NH
Keene, NH
58$394,030$1,8215.55%HoldView
Crossville, TN
Crossville, TN
58$310,175$1,5435.97%HoldView
Red Wing, MN
Red Wing, MN
58$329,885$1,4065.11%HoldView
Current
Naples, FL
38$556,339$2,7395.91%Avoid

The Bottom Line

AvoidNaples, FL may be challenging for traditional rentals. High prices or low rents make cash flow difficult. Look for specific counties with better ratios.

The Naples, FL metro area scores 38/100, ranking #858 of 894 US metros (top 96%). The 5.91% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-1,301/mo
Cap Rate
3.8%
Cash-on-Cash
-14.0%

Ready to Invest in Naples, FL?

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