Free Calculator · Naples FL
True Cost of Ownership Calculator
Your mortgage payment is only part of the story. This calculator shows the complete annual and 10-year cost of owning a home in Naples — mortgage, taxes, insurance, HOA, CDD, maintenance, and utilities.
Property Details
$
$
%
Annual Fixed Costs
$
Enter annual total ($500/mo = $6,000/yr)
$
%
$
$
Variable Costs
$
Rule of thumb: 1% of home value per year
$
Naples avg electric: $150–$300/mo in summer
%
Monthly Cost Breakdown
Principal & Interest—
Property Tax—
Insurance (home + flood)—
HOA Fees—
CDD Assessment—
Maintenance—
Utilities—
Total Monthly Cost
—
—
Equity Built (10yr)—
Home Value (10yr)—
Net Cost After Equity—
About the Author
Scott Cowan Broker / Owner — Realty of Naples FL Scott Cowan is the broker and owner of Realty of Naples FL — a licensed real estate brokerage with offices in Florida, New Jersey, and New York. With nearly 35 years of experience and over $100,000,000 in closed transactions, Scott brings a depth of market knowledge that few Naples agents can match.
Real EstateReal Estate BrokerReal Estate AgentConstruction