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 October 2026.

See what pencils →Run a DSCR

$649,900Median list price3,721 active listings

$42,781Median 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 October 2026.

$239,000DSCR 1.61
3 bed · 2 bath · 1,046 sqft
Condo in 34112 · built 1993
STR revenue
$53,071/yr
Est. interest-only payment
$2,193/mo
On the market 255 days · Listed by William Raveis Real Estate - Naples - Pelican Bay
Scout this home & market: 3-bed condo in Naples
$300,000DSCR 1.68
2 bed · 1 bath · 844 sqft
House in 34112 · built 1959
STR revenue
$44,845/yr
Est. interest-only payment
$1,780/mo
On the market 354 days · Listed by Premiere Plus Realty Co.
Scout this home & market: 2-bed house in Naples
$375,000DSCR 1.34
3 bed · 2 bath · 1,629 sqft
Condo in 34110 · built 1995
STR revenue
$61,940/yr
Est. interest-only payment
$3,091/mo
On the market 341 days · Listed by Match Point Realty Inc.
Scout this home & market: 3-bed condo in Naples
$394,900DSCR 1.32
3 bed · 2.5 bath · 1,582 sqft
Townhouse in 34119 · built 2022
STR revenue
$55,259/yr
Est. interest-only payment
$2,792/mo
On the market 47 days · Listed by ROG MVP Collier County LLC
Scout this home & market: 3-bed townhouse in Naples
$465,000DSCR 1.62
4 bed · 3 bath · 968 sqft
House in 34112 · built 1987
STR revenue
$73,812/yr
Est. interest-only payment
$3,047/mo
On the market 87 days · Listed by EXP Realty, LLC
Scout this home & market: 4-bed house in Naples

Ask about Naples deals →Run any address yourself

As of October 2026, we analyzed 3,721 active for-sale homes in Naples, Florida. The typical listing is priced at $649,900 and is projected to generate about $42,781 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 13.0% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 53.1% median across the 200 major metros we track, ranking Naples #195 of 200 for cash-flow potential.

On market momentum: homes in Naples sit a median of 87 days on the market, and 25% 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: 108 of the 2,365 Naples homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $457,000.

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	11%0.93	15%0.80	—	—	—
$250k–$350k	46%1.16	11%0.76	48%1.15	—	—
$350k–$500k	5%0.99	3%0.64	13%0.83	—	—
$500k+	—	0%0.37	0%0.45	1%0.53	7%0.68

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	3,721
Median list price	$649,900
Median projected STR revenue (annual, gross)	$42,781
Median average daily rate (ADR)	$217
Median occupancy	56%
Median beds	3
Median size	1,770 sqft
Estimated cash-flow-positive share	13.0%
Median days on market	87 days
New listings (last 30 days)	25.3% of active