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
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Annual Fixed Costs
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Enter annual total ($500/mo = $6,000/yr)
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Variable Costs
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Rule of thumb: 1% of home value per year
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Naples avg electric: $150–$300/mo in summer
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Monthly Cost Breakdown
Principal & Interest—
Property Tax—
Insurance (home + flood)—
HOA Fees—
CDD Assessment—
Maintenance—
Utilities—
Total Monthly Cost
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Equity Built (10yr)—
Home Value (10yr)—
Net Cost After Equity—