---
title: "Naples Property Tax Estimator 2026 — Homestead Exemption & CDD Included"
url: https://realtyofnaplesfl.com/naples-property-tax-estimator/
date: 2026-04-03
modified: 2026-09-11
lang: en
author: "Realty of Naples"
description: "Free Calculator · Collier County FL Naples Property Tax Estimator Estimate your annual property tax in Collier County — with and without Florida's Homestead Exemption, Save Our Homes cap, and..."
image: https://realtyofnaplesfl.com/wp-content/uploads/2026/06/2-1024x576.webp
word_count: 437
---

# Naples Property Tax Estimator 2026 — Homestead Exemption & CDD Included

## Key Takeaways

- Naples Property Tax Estimator calculates annual property tax in Collier County with and without Florida's Homestead Exemption, Save Our Homes cap, and CDD assessment included.
- Florida's Homestead Exemption reduces taxable value by $50,000 for primary residences, with the first $25,000 applying to all taxes and the second $25,000 applying to non-school taxes only.
- Save Our Homes cap limits annual assessed value increases to 3% or the Consumer Price Index for homestead properties, while non-homestead investment properties face up to 10% annual increases.

Free Calculator · Collier County FL

# Naples Property Tax Estimator

Estimate your annual property tax in Collier County — with and without Florida's Homestead Exemption, Save Our Homes cap, and CDD assessment. Know your full tax picture before you buy.

Property Details
Purchase Price / Assessed Value$
Property Type

Primary Residence (Homestead)
Seasonal / Second Home
Investment / Rental Property

Location

Naples / North Naples (Collier ~1.04%)
Bonita Springs (Lee County ~1.10%)
Fort Myers (Lee County ~1.12%)
Estero (Lee County ~1.08%)
Lehigh Acres (Lee County ~1.15%)

Homestead Details (if applicable)
Years You've Owned (for SOH cap)Save Our Homes caps increases at 3%/yr for homestead
Prior Year Assessed Value (SOH)$Enter 0 if first year or not applicable
Additional Assessments
Annual CDD Assessment$Appears as separate line on tax bill. Enter 0 if none.
Your Estimated Property Tax
Assessed Value—
Homestead Exemption—
Taxable Value—
Millage Rate—
Annual Property Tax
—
—
CDD Assessment—
Total Tax Bill—
Homestead Benefit Summary
Without Homestead—
With Homestead—
Annual Savings—
[Talk to Scott About Your Tax Picture →](/schedule-a-call/)
How Florida Property Tax Works
What Naples Buyers Need to Know
Homestead Exemption
Florida's Homestead Exemption reduces your taxable value by $50,000 if the property is your primary residence. The first $25,000 applies to all taxes; the second $25,000 applies to non-school taxes only. Apply with the Collier County Property Appraiser by March 1.
Save Our Homes Cap
Once you have a Homestead Exemption, the Save Our Homes (SOH) cap limits annual increases in your assessed value to 3% or the Consumer Price Index, whichever is lower. This can result in significant savings over time as market values rise.
CDD Assessments
Community Development Districts (CDDs) finance infrastructure in newer communities. The CDD assessment appears as a separate line on your property tax bill and is NOT covered by the Homestead Exemption. It runs for a fixed term until the bonds are paid off.
Non-Homestead Properties
Investment properties and second homes do not qualify for Homestead Exemption. Their assessed value can increase up to 10% per year (non-homestead cap), not 3%. This is a significant difference for investors to model into their returns.
Portability
If you're moving from another Florida homestead property, you can port your accumulated SOH benefit (the difference between market value and assessed value) to your new home, up to $500,000. Apply within 3 years of selling your previous homestead.
No State Income Tax
Florida has no state income tax. For buyers relocating from NY (up to 10.9% state tax), NJ (up to 10.75%), or CT (up to 6.99%), the property tax cost in Naples is often more than offset by state income tax savings.