Property Taxes in Naples
Naples property tax bills are assembled from several overlapping millage rates -- county, school district, and, for property inside city limits, a separate city millage -- rather than one flat number. Because assessed values in the city of Naples run so high, even a modest-looking millage rate produces a large dollar bill, which matters more here than in most Florida markets.
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Learn moreThe county and school millage rates
Collier County kept its countywide general fund millage flat at 3.24 mills for fiscal year 2025-2026, per Collier Clerk of the Circuit Court reporting on the county's September 2025 budget hearing -- a "millage-neutral" decision that still raises total tax collections by up to 3% as property values climb. The Collier County School Board's portion of the total countywide millage runs around 4.64 mills, with the county's combined layered rate (county, school, and other countywide levies) totaling roughly 11.05 mills for 2025. These figures stack with any city or special-district rates specific to your parcel -- no single millage number represents your actual bill; check the specific parcel on the county property appraiser's site.
Inside city limits, add the City of Naples' own millage
Properties within Naples city limits also pay the City of Naples' own general fund millage, set at 1.23 mills for fiscal year 2026, plus, for properties in two small special taxing districts, an additional 0.5 mills (East Naples Bay) or 0.0125 mills (Moorings Bay). As an illustrative example only -- combining county general (3.24), school (roughly 4.64), and city general fund (1.23) mills, before any exemptions or special-district add-ons, comes to about 9.11 mills. Applied to Naples' roughly $1.3M citywide median sale price, that works out to a rough $11,800-a-year gross tax bill before any homestead exemption or Save Our Homes cap -- a genuinely large dollar figure even though the underlying millage rates themselves aren't unusually high by Florida standards.
What the homestead exemption actually removes
For a primary residence, Florida's homestead exemption for 2026 totals $51,411: a fixed $25,000 slice that reduces assessed value for all levies, including school taxes, plus a second, inflation-indexed slice ($26,411 for 2026) that reduces assessed value for non-school levies only. On a $1.3M-plus assessed home, that combined exemption removes a meaningfully smaller share of the total bill in percentage terms than it would on a lower-priced home elsewhere in Florida -- worth factoring in before assuming homestead status will substantially soften a Naples-proper tax bill.
The Save Our Homes cap protects long-term owners, not new buyers
Once homesteaded, a property's assessed value increase is capped each year at the lesser of 3% or the change in the Consumer Price Index -- 2.7% for 2026. Given how much Naples property values have appreciated over the past decade, this cap can create a very large gap between a longtime owner's assessed value and a new buyer's purchase-price assessment. Relocating buyers should budget their first-year tax bill off the purchase price, not off the seller's prior bill or the seller's much lower assessed value.
Key takeaways
- Collier County's FY2025-26 countywide general fund millage is 3.24 (held flat); the school portion runs about 4.64 mills; the combined countywide layered rate is roughly 11.05 mills for 2025.
- Properties inside Naples city limits also pay the city's own general fund millage (1.23 mills for FY2026), plus special-district add-ons for two small taxing districts.
- Illustrative math only: county + school + city millage (about 9.11 mills combined) applied to the ~$1.3M citywide median works out to roughly $11,800/year before exemptions -- a large dollar figure driven by Naples' high assessed values, not an unusually high millage rate.
- The 2026 homestead exemption totals $51,411, but represents a smaller percentage reduction on a Naples-proper home than on a lower-priced Florida property.
- The Save Our Homes cap (2.7% for 2026) protects existing homesteaded owners but does not apply to a new buyer's first-year bill, which resets to the purchase-year assessment.
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