Investor market data · Florida

Naples, FL Rental Market for Investors

An estimated 13% of Naples's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

See what pencils →Run a DSCR

$649,000Median list price3,627 active listings

$43,036Median STR revenue / yrprojected, gross

Homes in Naples that pencil right now

A sample of active Naples listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

$239,000DSCR 1.63
3 bed · 2 bath · 1,046 sqft
Condo in 34112 · built 1993
STR revenue
$53,071/yr
Est. interest-only payment
$2,173/mo
On the market 206 days · Listed by William Raveis Real Estate - Naples - Pelican Bay
Scout this home & market: 3-bed condo in Naples
$299,000DSCR 1.90
3 bed · 2 bath · 1,204 sqft
Condo in 34110 · built 1992
STR revenue
$64,855/yr
Est. interest-only payment
$2,277/mo
On the market 134 days · Listed by ROG MVP Collier County LLC
Scout this home & market: 3-bed condo in Naples
$300,000DSCR 1.70
2 bed · 1 bath · 844 sqft
House in 34112 · built 1959
STR revenue
$44,845/yr
Est. interest-only payment
$1,755/mo
On the market 304 days · Listed by Premiere Plus Realty Co.
Scout this home & market: 2-bed house in Naples
$325,000DSCR 1.35
3 bed · 2 bath · 1,630 sqft
Condo in 34112 · built 1998
STR revenue
$57,671/yr
Est. interest-only payment
$2,845/mo
On the market 59 days · Listed by John R. Wood Properties
Scout this home & market: 3-bed condo in Naples
$410,000DSCR 1.26
3 bed · 2 bath · 1,479 sqft
House in 34112 · built 1998
STR revenue
$56,919/yr
Est. interest-only payment
$3,004/mo
On the market 97 days · Listed by COMPASS
Scout this home & market: 3-bed house in Naples
$465,000DSCR 1.64
4 bed · 3 bath · 968 sqft
House in 34112 · built 1987
STR revenue
$73,812/yr
Est. interest-only payment
$3,008/mo
On the market 38 days · Listed by EXP Realty, LLC
Scout this home & market: 4-bed house in Naples
$475,000DSCR 1.79
2 bed · 2 bath · 890 sqft
Condo in 34102 · built 1973
STR revenue
$82,397/yr
Est. interest-only payment
$3,066/mo
On the market 176 days · Listed by EXP Realty, LLC
Scout this home & market: 2-bed condo in Naples
$479,000DSCR 1.32
2 bed · 2 bath · 1,012 sqft
Condo in 34102 · built 1968
STR revenue
$83,458/yr
Est. interest-only payment
$4,225/mo
On the market 135 days · Listed by The Agency Naples
Scout this home & market: 2-bed condo in Naples
$498,000DSCR 1.58
4 bed · 2 bath · 1,806 sqft
House in 34104 · built 1967
STR revenue
$71,505/yr
Est. interest-only payment
$3,008/mo
On the market 317 days · Listed by CENTURY 21 AllPoints Realty
Scout this home & market: 4-bed house in Naples

Ask about Naples deals →Run any address yourself

As of August 2026, we analyzed 3,627 active for-sale homes in Naples, Florida. The typical listing is priced at $649,000 and is projected to generate about $43,036 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 13.4% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Naples #194 of 200 for cash-flow potential.

On market momentum: homes in Naples sit a median of 103 days on the market, and 17% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Naples runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.

What actually works in Naples

Cash-flow is the exception rather than the rule in Naples right now: 109 of the 2,341 Naples homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $479,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	1 bed	2 bed	3 bed	4 bed	5 bed
$150k–$250k	0%0.89	15%0.87	—	—	—
$250k–$350k	27%1.06	11%0.76	47%1.20	—	—
$350k–$500k	5%0.81	3%0.65	12%0.84	46%1.17	—
$500k+	9%0.74	0%0.41	0%0.48	1%0.55	7%0.80

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Naples in full

Active for-sale homes analyzed	3,627
Median list price	$649,000
Median projected STR revenue (annual, gross)	$43,036
Median average daily rate (ADR)	$217
Median occupancy	56%
Median beds	3
Median size	1,756 sqft
Estimated cash-flow-positive share	13.4%
Median days on market	103 days
New listings (last 30 days)	17.1% of active