Photo by Kuyomi Books on Unsplash (https://unsplash.com/@kuyomi)
Naples, Florida Retirement Guide
tax-friendly for retireesstrong healthcare accessmild winterslow crime rate
69
Retirement Score
Naples, Florida at a Glance
- Median Home Price
- $1,200,100
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- 54°F
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- tax-friendly for retirees, strong healthcare access, mild winters, low crime rate
- RetireCityIQ Score
- 69 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$1,200,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,601High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
100 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
44.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
100 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
92°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
54°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
52"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
271 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
9.7 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.1 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
19,315High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
66.9High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
54.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$135,657High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
82.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
9.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
62.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
6.0%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
89.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
4.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.9%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Naples using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$2,600
Stress-case monthly carrying cost
$2,920
Median home price used: $1,200,100
Median rent reference: $1,601 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.