Naples, Collier County, Florida Property Taxes
Property Taxes in Naples, Florida
Median Naples, Florida effective property tax rate: 0.82%, significantly lower than the national median of 1.02%, and lower than the Florida state median of 1.10%.
Median Naples, Florida home value: $465,470
Median annual Naples, Florida tax bill: $3,516, $1,116 higher than the national median property tax bill of $2,400.
How are property taxes in Collier calculated?
Property taxes in Naples, Florida are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Naples's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Naples, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Naples, Collier County, Florida Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
0.82%
Estimate Property Tax Bill
$3,817
$3,542
How Does the Naples Property Tax Calculator Work?
Use this Naples property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Naples' median effective tax rate of 0.82% — based on actual property records in Collier County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Naples' median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Naples: median tax bills range from $2,199 in 34116 to $7,506 in 34108, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Naples.
About Naples Property Taxes
About Property Taxes in Naples, Collier, Florida
Naples's median effective property tax rate of 0.82% is lower than the Florida state median of 1.10% and lower than the national median of 1.02%. This rate reflects the Collier County base levy combined with local school district levies and Municipal Service Benefit Units (MSBUs) that vary by subdivision throughout the city.
Property tax rates are not uniform across Naples. Homeowners in the 34114 ZIP code carry a median effective rate of 0.96%, while those in 34117 pay 0.63%. This spread — 0.33 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Collier County. Understanding which part of Naples you live in can make a meaningful difference to your annual tax bill.
Naples homeowners who believe their assessed value is too high can file a formal appeal with the local Property Appraiser before the September 15, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Naples, Collier County, Florida
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Naples's effective property tax rate to other cities in Florida and the median property tax rates in Florida and the U.S.
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Naples Tax Rate
0.82%
Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Collier County Tax Rate
0.82%
Median Effective Florida Tax Rate
1.10%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Naples, Collier County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 34102 | 0.32% | 0.59% | 0.78% | 0.87% | 0.93% |
| 34103 | 0.30% | 0.55% | 0.78% | 0.86% | 0.93% |
| 34104 | 0.36% | 0.51% | 0.84% | 0.95% | 1.03% |
| 34105 | 0.38% | 0.53% | 0.81% | 0.93% | 1.05% |
| 34108 | 0.37% | 0.62% | 0.84% | 0.96% | 1.03% |
| 34109 | 0.36% | 0.48% | 0.78% | 0.90% | 1.02% |
| 34110 | 0.40% | 0.52% | 0.80% | 0.89% | 0.98% |
| 34112 | 0.33% | 0.53% | 0.85% | 0.97% | 1.06% |
| 34113 | 0.39% | 0.60% | 0.88% | 1.03% | 1.15% |
| 34114 | 0.55% | 0.75% | 0.96% | 1.16% | 1.40% |
| 34116 | 0.28% | 0.37% | 0.67% | 0.99% | 1.09% |
| 34117 | 0.30% | 0.38% | 0.63% | 0.96% | 1.05% |
| 34119 | 0.41% | 0.52% | 0.74% | 0.92% | 1.03% |
| 34120 | 0.40% | 0.61% | 0.88% | 1.14% | 1.29% |
Source: Ownwell
Property Tax Assessment Values Across Naples, Collier County, Florida
When examining property taxes in Naples, Florida, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Collier County property appraiser estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices are sent in the spring each year and typically reach your mailbox by the middle of the month. Each property owner receives a notice that contains both the market value and assessed value, along with an estimate of your property tax bill.
For example, the median home price in Naples is $465,470, with tax bills ranging significantly across Collier County. Zip code 34108 has the highest median home price at $931,450.
Property Tax Assessment Values Across Naples, Collier County, Florida
Source: Ownwell
$46,898
$489,174
$931,450
Median Naples Market Value
$465,470
Median Collier County Market Value
$471,051
Median Florida Market Value
$310,033
Median United States Market Value
$235,294
Property Tax Assessment Values Across Naples, Collier County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 34102 | $169,454 | $364,000 | $929,660 | $3,405,520 | $8,367,501 |
| 34103 | $232,500 | $407,700 | $798,080 | $1,859,900 | $3,506,882 |
| 34104 | $168,280 | $243,470 | $315,040 | $458,405 | $628,294 |
| 34105 | $226,950 | $279,775 | $424,900 | $740,140 | $1,608,440 |
| 34108 | $491,472 | $663,856 | $931,450 | $1,704,295 | $3,618,934 |
| 34109 | $295,284 | $370,120 | $560,000 | $845,594 | $1,329,828 |
| 34110 | $282,627 | $359,625 | $542,742 | $981,204 | $1,984,023 |
| 34112 | $173,820 | $226,083 | $305,539 | $423,900 | $615,127 |
| 34113 | $204,135 | $289,894 | $461,416 | $761,160 | $1,357,838 |
| 34114 | $107,751 | $206,000 | $432,557 | $660,857 | $964,411 |
| 34116 | $187,750 | $301,183 | $353,946 | $433,313 | $590,449 |
| 34117 | $214,611 | $292,196 | $405,005 | $567,071 | $752,481 |
| 34119 | $308,425 | $397,274 | $621,704 | $974,778 | $1,533,286 |
| 34120 | $104,988 | $294,247 | $420,261 | $595,802 | $848,011 |
Source: Ownwell
Property Tax Bills Across Naples, Collier County, Florida
Property tax bills in Naples are based on the assessed value of a home, not its market listing price. Local taxing authorities apply property tax rates to that assessed value, and the final bill can also reflect exemptions and other local factors that change from one homeowner to another. For many owners, the size of the bill depends on how their property is valued relative to similar homes in Collier County.
The median home price in Naples is $465,470, and the property tax bill can vary widely across the city. The 25th percentile tax bill is $2,061, while the 75th percentile reaches $6,315. At the high end, the 90th percentile tax bill is $11,624, showing how much assessed value and local tax rates can affect what homeowners pay.
For homeowners, this means a higher assessed value can lead to a larger annual bill, even if the home has not been sold.
Median Naples Tax Bill
$3,516
Median Collier County Tax Bill
$3,620
Median Florida Tax Bill
$3,263
Median United States Tax Bill
$2,400
Property Tax Bills Across Naples, Collier County, Florida
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 34102 | $1,017 | $2,551 | $6,145 | $19,803 | $50,576 |
| 34103 | $1,406 | $2,619 | $5,226 | $12,510 | $23,440 |
| 34104 | $970 | $1,542 | $2,297 | $3,294 | $4,978 |
| 34105 | $1,292 | $2,098 | $3,224 | $5,274 | $10,697 |
| 34108 | $2,555 | $4,986 | $7,506 | $12,454 | $25,521 |
| 34109 | $1,695 | $2,495 | $3,687 | $6,007 | $9,494 |
| 34110 | $1,640 | $2,482 | $3,623 | $6,798 | $14,756 |
| 34112 | $793 | $1,585 | $2,262 | $3,387 | $5,157 |
| 34113 | $895 | $2,164 | $4,022 | $6,496 | $10,581 |
| 34114 | $943 | $1,897 | $4,059 | $6,735 | $10,061 |
| 34116 | $864 | $1,261 | $2,199 | $3,596 | $4,807 |
| 34117 | $853 | $1,393 | $2,418 | $3,912 | $5,668 |
| 34119 | $1,911 | $2,738 | $4,050 | $6,629 | $10,705 |
| 34120 | $1,026 | $1,991 | $3,529 | $5,403 | $7,878 |
Source: Ownwell
Don't miss the deadline to petition!
Dates | |
|---|---|
| Property Valuation Date | January 1 |
| Appeal Deadline | September 15 |
| Tax Bill | |
| Issued | November 1 |
Links | |
|---|---|
| Collier Property Appraiser | |
| Website | www.collierappraiser.com |