34109 Property Tax Rate

Property owners in ZIP code 34109 (Naples, Florida) pay a median of $3,872/year in property taxes on homes valued at $628,700. This translates to an effective tax rate of 0.62%, which is 19% below the Florida state average of 0.76%.

The monthly property tax burden for a median-valued home in 34109 is approximately $323, which factors into escrow payments on mortgages. This ZIP code is located within Collier County. This is $1,227 more than the Florida average of $2,645/year.

Compared to similar ZIP codes in Florida, 34109 has higher property taxes. ZIP codes with similar effective rates include 32348 (0.62%) and 34104 (0.62%).

In Naples, property taxes represent approximately 4.3% of the median household income of $91,073, providing context for the relative tax burden on homeowners in this area.

Under Florida's Save Our Homes Act, your property tax is capped at a 3% annual increase once you establish homestead status, but the assessment resets to market value at sale. Collier County offers a $25,000 homestead exemption plus an additional $25,000 exemption on non-school taxes — file with the Collier County Property Appraiser by March 1 of the year following purchase to activate the 3% cap. Submit your homestead application to the Collier County Property Appraiser within 60 days of purchase to ensure your exemption is recorded on your first tax bill.