Collier County, Florida: What It Costs to Buy a Home
The median home in Collier County is worth $486,800, property taxes on it run about $3,219 a year (0.66%), the FHA loan limit is $764,750, and closing on it means about $3,408 in transfer tax plus $2,534 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $486,800 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,219 a year, 0.66% of value | Property tax page → |
| FHA loan limit (1 unit) | $764,750 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $3,408 | Florida transfer tax page → |
| Title insurance on the median home | $2,509 owner's + $25 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $156 | Recording fees page → |
| Closing costs from these items | $6,098 | Closing costs page → |
| Area median income (HUD, family of 4) | $121,000; low-income limit $96,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Collier County?
The median owner-occupied home in Collier County is valued at $486,800, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Collier County?
The median Collier County homeowner pays $3,219 a year in real estate taxes, about 0.66% of the median home value ($3,150 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Collier County?
$764,750 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Collier County?
On the $486,800 median home: transfer tax $3,408, title insurance $2,534 for both policies, recording fees about $156, about $6,098 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Collier County?
HUD's FY 2026 median family income for Collier County (Naples-Marco Island, FL MSA) is $121,000. A family of four counts as low income below $96,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Florida counties
- Charlotte County $291,000
- Citrus County $223,200
- Clay County $281,500
- Columbia County $186,400
- DeSoto County $151,500
- Dixie County $96,900
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
Every Florida county → Florida closing costs →
General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
Counties in every state