Naples Average HOA Fees (2026)

Naples Metro · Data last updated 2026

137% above national average

Naples has one of the highest HOA saturation rates in the US — nearly every neighborhood is governed by an HOA.

Monthly HOA fee averages

Condo

$690/mo

National avg: $291/mo

$399 above avg

Single-Family Home

$420/mo

National avg: $170/mo

$250 above avg

Townhome

$520/mo

National avg: $215/mo

$305 above avg

Why HOA fees look the way they do in Naples

Naples is Florida's most expensive HOA market. Ultra-premium golf and beach club communities regularly charge $500–$1,500/month.

What HOA fees typically cover in Naples

Golf course maintenance
Beach club fees
Hurricane insurance
Landscaping
Common area insurance
Security

Common amenities in Naples HOAs

Golf Course
Beach Club
Pool
Concierge
Tennis Courts
Fitness Center

Why do HOA fees vary within Naples?

Even within the same city, fees can range from under $50/month to over $2,000/month depending on several factors:

Amenity level — communities with golf courses, full-time staff, or resort-style pools carry significantly higher fees than basic landscaping-only HOAs.
Building age — older buildings typically require higher reserve contributions and more frequent major repairs.
Reserve fund health — an underfunded HOA may have artificially low fees today but face a large special assessment in the future.
Property type — condos in high-rise buildings generally carry higher fees than detached SFH communities due to shared building system costs.

Related HOA tools

Cost Calculator

Estimate your HOA operating costs

Budget Builder

Build a line-item annual budget

Reserve Calculator

Check your reserve fund health

Managing a Naples HOA? Try LotWize free.

LotWize helps self-managed HOA boards in Naples handle budgets, violations, communications, and reserve planning — all in one place. No property management company required.

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Related resources for Naples

HOA management software for Naples HOA management companies in Naples HOA laws in Florida Management cost calculator HOA budget builder Reserve fund calculator

Fee data represents estimates based on available market data and public HOA disclosures. Actual fees vary widely by community, amenities, building age, and reserve funding status. This page provides general reference information only — not financial or legal advice. Always request an HOA's current budget and reserve study before purchasing. Last updated: 2026.

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