Naples is more than just a vacation destination; it’s one of Florida’s most sought-after places to live. With its pristine beaches, luxury real estate, low taxes, and vibrant lifestyle, it’s no wonder buyers from across the U.S. (and beyond) are looking to call Naples home in 2025.

If you're ready to make the move, here's your complete guide to financing a home in Naples this year: what’s changed, what to watch out for, and how to set yourself up for success.

Understand Today’s Interest Rates

Mortgage rates in 2025 have stabilized after the volatility of recent years, but they’re still above pandemic-era lows. In Naples, where home values tend to be higher than the national average, even a small rate shift can mean big changes in monthly payments.

Average 30-Year Fixed in Florida (Nov 2025): ~6.8% – 7.25%
PCM Lenders Average: ~6.8% (Local advantage, fewer fees)

A lender that understands the local market, like Paradise Coast Mortgage, can often secure lower rates than national banks and help you navigate Naples-specific nuances (like condo financing or second-home approvals).

Know Your Market: Naples Real Estate in 2025

Naples is a luxury-heavy market, but there are still great opportunities for first-time buyers, retirees, and investors.

• Median Home Price (Collier County): ~$650,000

• Luxury Market: $1M+ is common in Old Naples, Park Shore, and Port Royal

• Condos vs. Single Family: Condos make up a large portion of Naples housing, especially near the beach, and they have different financing rules.

Watch for: HOA fees, insurance requirements, and condo approval lists, all can affect your loan eligibility and monthly costs.

Get Pre-Approved Early

In a competitive market like Naples, pre-approval is your golden ticket. Sellers want to know you're serious and financially ready.
Getting pre-approved through a local lender like PCM shows that you’re already vetted — and speeds up the process when you find the right home.

Pre-approval typically includes:

• Credit check

• Income and employment verification

• Estimated loan amount

• Rate estimates