Southwest Florida

Collier County, FL home buyer guide

Today's mortgage rates, FHA loan limits, and first-time buyer programs available in Naples, Marco Island, Immokalee and across Collier County.

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Collier County snapshot

Median home price

$685,000

Population

410,000

FHA loan limit (1-unit)

$730,000

County seat

Naples

Collier (Naples) is Florida's most expensive non-Keys county. FHA limits are elevated here, jumbo financing is common, and many full-time-resident buyers pair Hometown Heroes with conventional first mortgages.

Today's example payments

Monthly payment on a $685,000 Collier County home

Estimates include principal, interest, Florida property tax (~0.98%), and homeowners insurance (~1.25%). PMI/MIP varies. Updated June 14, 2026.

Live rates

Conventional

Monthly payment

$5,395

Rate (mid): 6.520%
Down payment: $34,250 (5.0%)
Loan amount: $650,750

5% down · PMI applies

FHA

Monthly payment

$5,298

Rate (mid): 6.145%
Down payment: $23,975 (3.5%)
Loan amount: $661,025

3.5% down · MIP included

VA

Monthly payment

$5,389

Rate (mid): 6.020%
Down payment: $0 (0.0%)
Loan amount: $685,000

0% down · no PMI

Hometown Heroes

Monthly payment

$5,500

Rate (mid): 6.270%
Down payment: $0 (0.0%)
Loan amount: $685,000

Up to $35K assistance

Educational estimates only. Your actual rate and payment depend on credit, debt-to-income, property type, lender pricing, and the exact insurance quote for your home.