Compare Current Naples, Florida Mortgage Rates

Compare Naples, FL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Naples.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Naples. Plus, shopping lenders is free and there is no obligation.

Naples, FL Mortgage Rates as of September 28, 2022
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Naples, FL Mortgage Rates

September 28, 2022

Current mortgage rates in Naples, FL are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Naples, FL Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Naples, Florida?

Below we provide helpful information on the real estate market, home prices and housing affordability in Naples. Understand how much you need to earn to afford a home in Naples, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Naples fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Naples is right for you.

The median home value for Naples, FL (Collier County) is $489,827

Based on current mortgage rates and a 10% down payment, you need to make $80,256 per year to buy the median priced home in Naples

With this income, you could qualify for a $440,844 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Naples is $1,859

The median household income for Naples, FL (Collier County) is $82,173

Based on this income, you can afford a home valued at approximately $501,528

The home price you can afford to buy based on household income in Naples is 102% of the median home value which means housing prices are average. Naples (Collier County) ranks 65 out of 67 counties in Florida and 3,006 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Naples, FL is average


Loan Limits for Naples, Florida

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Naples (Collier County) below.

Conforming loan limits for Naples, FL

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Naples, FL

1 unit: $552,000
2 units: $706,650
3 units: $854,200
4 units: $1,061,550

VA loan limits for Naples, FL

1 unit: $647,200

Additional Mortgage Resources for Naples, FL Residents

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