New Construction Homes in Naples: 2026 Guide

New homes in the Naples area range from about $264,000 in Ave Maria to more than $2.7 million in luxury enclaves, across 52 new-home communities listed by NewHomeSource (accessed November 6, 2026). Most volume-builder communities sit east of I-75 or along Collier Boulevard in East Naples, many inside a CDD, while resale single-family homes in Naples sold at a median $825,000 over the 12 months to October 2026, versus $800,215 for new construction (Cameron Smith analysis of MLS data, 12 months to October 2026).

Last updated November 6, 2026.

How much does a new home in Naples cost?

Advertised starting prices run from the mid $200,000s in Ave Maria to well over $1 million from luxury builders, with most East Naples communities between $400,000 and $1 million.

Price tier	Community and builder (advertised from)	Area
Under $350,000	The National Golf and Country Club coach homes, Lennar ($264,000); Gatherpoint, Pulte Homes ($279,990); SkySail, Neal Communities ($305,990); Maple Ridge, CC Homes ($334,990)	Ave Maria (34142) and Naples 34120
$350,000 to $650,000	Summerlit, Mattamy Homes ($399,000); Golden Gate, Maronda Homes ($399,900); Terreno, DiVosta ($400,990); Avalon Park, Pulte Homes ($439,990); Esplanade by the Islands, Taylor Morrison (coach homes $466,155, single-family $599,999); Seven Shores Harbor Collection, Toll Brothers ($599,995); Maple Point, Lennar ($619,946)	East Naples (34113, 34114), 34120, Ave Maria
$650,000 to $1.3 million	Caymas, Pulte Homes ($839,990); Seven Shores Landing and Port collections, Toll Brothers ($852,995 and $979,995); Mediterra, London Bay Homes ($1,105,000); Opus Stone, Pulte Homes ($1,232,000)	East and North Naples, 34120
Over $1.3 million	Kalea Bay, Signature Communities ($1,390,000); Silver Oak, Seagate Development ($2,675,000); Palisades, Seagate Development ($2,725,000); Encore at Naples Square, The Ronto Group ($3,600,000)	North Naples, 34120 and downtown 34102

All prices are as listed on NewHomeSource and Toll Brothers on November 6, 2026, and change often. Compare that with the national median new home price of $400,400 in September 2026 (Census Bureau) and the Naples resale single-family median of $825,000 over the past 12 months (Cameron Smith analysis of MLS data, 12 months to October 2026), which is why many buyers find new construction east of I-75 priced below resale homes closer to the coast.

MLS snapshot, new versus resale

New Naples single-family homes sold at a median $800,215, or $367 a square foot, over the 12 months to October 2026, versus $825,000 and $388 for resales, and took longer to go under contract, 75 days versus 60.

Naples new construction versus resale, 12 months to October 2026
Segment	Closed sales	Median price	Median price per sq ft	Median days list to contract	Sale vs original list
New construction single-family	782	$800,215	$367	75	94.0%
Resale single-family	3,599	$825,000	$388	60	92.4%
New construction condo and townhouse	344	$515,500	$288	66	94.1%
Resale condo and townhouse	4,150	$440,000	$280	73	91.3%

Source: Cameron Smith analysis of Southwest Florida MLS data, pulled November 6, 2026.

About 18.4% of new Naples single-family sales recorded a seller concession, with a median $15,000, versus 14.6% of resales.

How these numbers were measured. Figures come from closed MLS sales and listings in Southwest Florida MLS, pulled November 6, 2026. Each city follows the MLS City field. Estero includes Miromar Lakes, Fort Myers covers only the city limits and downtown MLS areas (unincorporated Fort Myers mailing addresses are left out), and Naples is the Naples postal city on the Collier mainland, with Marco Island counted separately. Single-family means detached homes and detached villas that are not condo owned. Condo and townhouse covers condo-owned units in low, mid and high rise buildings, attached villas and townhouses. Manufactured homes, co-ops, timeshares, land and rentals are excluded. Sales under $20,000 or below 50% or above 150% of list price were dropped, and sales entered after the fact without MLS marketing count toward prices but not toward days or sale-to-list figures. Days list to contract runs from the listing date to the first pending date. Months of supply is active listings at period end divided by average monthly closed sales over the prior 12 months. Flood zone is not in the MLS export, so any flood zone figures on this page come from FEMA or county sources. New construction means built in 2025 or later, or flagged as builder product. Seller concession shares and amounts were computed from the listing-level MLS file with the same cleaning rules, counting closed sales with a Seller Concession Amount above $0. Builder incentives paid outside the MLS concession field, such as rate buydowns through a builder lender, may not show up there. HOA dues combine HOA, master HOA and condo fees on an annual basis. The MLS has no separate CDD fee field, so CDD costs show up only inside the median total tax bill. The pull has no ZIP code cut, so figures for 34114, 34120 and 34142 are not shown.

Where is new construction in Naples?

Most of it is in East Naples near Collier Boulevard, in the 34120 area east of I-75, and in Ave Maria and the new towns of eastern Collier County.

Eastern Collier is where the next wave is planned. Lennar broke ground on Rivergrass off Oil Well Road on January 29, 2026, with more than 1,000 homes planned at roughly $300,000 to $700,000 and first residents expected in 2027 (Gulfshore Business, January 30, 2026). NewHomeSource lists Brightshore communities by Pulte Homes, Taylor Morrison and M/I Homes as coming soon. Collier County commissioners approved Horse Trials Village, with 3,205 homes on 1,217 acres and construction expected to start in 2027 (Naples Press).

Closer to the Gulf, new homes are mostly custom rebuilds and high-rise condos, such as the downtown projects in the table. Those carry the condo law and flood questions covered in our Naples guide. Comparing Collier with Lee? See Naples vs Bonita Springs.

What incentives are Naples builders offering?

Naples builders are offering design credits and rate buydowns, often tied to their own lenders. Toll Brothers advertises up to $25,000 off kitchen and bath design selections at Seven Shores from November 7 to 22, 2026.

Toll Brothers also lists a 4.625% first-year rate, 7.33% APR, on a jumbo 5/1 ARM with a 2/1 buydown on select Seven Shores homes (Toll Brothers, accessed November 6, 2026). Lennar advertises rate buydowns and closing cost help on select Naples and Fort Myers homes financed with Lennar Mortgage. Nationally, 65% of builders used incentives in October 2026 and 43% cut prices (NAHB, October 19, 2026).

A jumbo loan means a mortgage larger than the conforming loan limit, which is $832,750 for a one-unit home in most of the country in 2026 (FHFA, November 25, 2025). Jumbo loans follow each lender's own rules on down payment and builder credits. Our builder incentives guide shows how to compare a buydown with a price cut in dollars.

What fees come with a new Naples home?

Expect HOA dues in nearly every new community, CDD assessments in many, and club dues in golf communities. Collier County lists 29 CDDs in its unincorporated area (Collier County).

A CDD is a special district that finances a community's roads, drainage and amenities, billed as a non-ad valorem assessment on your property tax bill. Florida requires a bold CDD disclosure in the first sale contract (Florida Statutes 190.048). In bundled golf communities, membership comes with the home and dues are mandatory, so ask for the dues schedule and any capital contribution due at closing.

Across all Naples sales, not only new homes, bundled golf single-family homes carried median recurring fees of $14,486 a year versus $5,720 elsewhere, and 51.5% of bundled golf sales were in a CDD.

Naples bundled golf versus other sales, 12 months to October 2026
Segment	Closed sales	Median price	Median annual HOA and condo dues	Median total annual recurring fees	Share in a CDD	Median total tax bill, CDD homes
Naples single-family, bundled golf	163	$1,190,000	$11,958	$14,486	51.5%	$12,713
Naples single-family, not bundled golf	4,218	$812,500	$5,272	$5,720	18.1%	$8,071
Naples condo and townhouse, bundled golf	579	$375,000	$14,427	$15,720	37.5%	$4,465
Naples condo and townhouse, not bundled golf	3,915	$460,000	$8,788	$9,536	17.4%	$5,455

Source: Cameron Smith analysis of Southwest Florida MLS data, pulled November 6, 2026.

Collier County's general fund rate is 3.0107 mills for fiscal 2026 to 2027 (Naples Press), with school, fire and other levies added. A homestead files with the Collier County Property Appraiser by March 1. Buyers who are Florida residents by December 31, 2026 are positioned for the larger Amendment 3 exemption; see the December 31 residency deadline.

Do new homes in Naples flood?

New homes are built to current flood elevation and wind standards, which lowers risk, but much of Collier County is in a high-risk flood zone. Check the specific lot.

Collier County's floodplain office says large portions of the county are in high-risk zones, and FEMA has issued preliminary new maps for coastal Collier that are not yet adopted (Collier County 2026 Flood Protection Newsletter). Unincorporated Collier's Class 5 Community Rating System rating gives eligible NFIP policies a 25% discount. Starting January 1, 2027, Citizens requires flood coverage on all personal residential wind policies (Citizens). Inland communities east of I-75 face less surge but can see rain flooding, so ask how the lot drains. Our flood insurance guide covers quoting before you commit.

Is new construction or resale the better value in Naples?

New construction usually wins on price per square foot, insurance and builder financing east of I-75, while resale wins on location near the beach, mature landscaping and established fees.

Factor	New construction	Resale
Price	Many communities from $264,000 to $850,000 (NewHomeSource, November 6, 2026). Closed new single-family median $800,215 (MLS, 12 months)	Resale single-family median $825,000 (MLS, 12 months to October 2026)
Location	Mostly East Naples, 34120 and eastern Collier	Full range, including Gulf-side neighborhoods
Incentives	Design credits and buydowns with builder lenders	Negotiated seller credits. Naples single-family homes sold at 95.6% of final list (MLS, 12 months to October 2026)
Insurance	Current wind and flood code	Varies by roof, windows and elevation
Fees	HOA, often CDD, sometimes bundled golf	HOA common; established CDDs may be near bond payoff
Timing	Quick move-in or months to build	Typical closing in 30 to 45 days

How do I buy a new home in Naples step by step?

Pick the location and fee structure first, then the builder and floor plan, and lock in the incentive only after the contract terms check out.

Register your agent at first contact. Many builders require it at your first visit.
Decide on location and fees. East Naples, 34120, Ave Maria or eastern Collier, and whether you want golf, a CDD or neither.
Get an outside pre-approval. Use it to test the builder lender's offer, especially on jumbo loans.
Check the lot. Flood zone on current and preliminary maps, drainage, and what will be built next to it.
Compare written offers. Turn credits and buydowns into dollars, with deadlines.
Review the contract. Deposit, completion date, rate lock, warranty and club or CDD obligations.
Inspect independently. Pre-drywall, final walk-through and before the first warranty year ends.
Bind insurance early. Quote homeowners and flood well before closing.

Cameron handles each of these steps with buyers, including registering with builders, comparing contracts and incentives, and scheduling inspections.

Frequently asked questions

What is the least expensive new construction near Naples?

Ave Maria and the communities east of I-75 have the lowest advertised prices. NewHomeSource listed Lennar's coach homes at The National Golf and Country Club in Ave Maria from $264,000 and Pulte's Gatherpoint from $279,990 on November 6, 2026. Add HOA, CDD, club dues, taxes and insurance before comparing with resale.

Do new Naples communities have CDD fees?

Many do. Collier County lists 29 community development districts in its unincorporated area. A CDD assessment appears on your property tax bill as a non-ad valorem charge, separate from HOA dues, and Florida law requires a bold disclosure in the first sale contract. Ask for the annual amount, the bond balance and the payoff year.

Are Naples builders offering rate buydowns?

Some are. Toll Brothers lists a 4.625% first-year rate, 7.33% APR, on a jumbo 5/1 ARM with a 2/1 buydown at Seven Shores, plus up to $25,000 in design credits from November 7 to 22, 2026. Lennar ties buydowns to Lennar Mortgage. Compare every offer with an outside lender's quote.

What new communities are coming to eastern Collier County?

Lennar's Rivergrass broke ground January 29, 2026, with more than 1,000 homes planned and first residents expected in 2027. NewHomeSource lists Brightshore communities as coming soon. The county approved Horse Trials Village, with 3,205 homes and construction expected from 2027. Timelines can shift, so confirm with each developer.

Is flood insurance required on a new Naples home?

Lenders require it in FEMA high-risk zones, and Citizens requires it on all personal residential wind policies starting January 1, 2027. New homes built to current elevation standards often price better than older homes. Check the lot on both the current and preliminary Collier flood maps and quote flood coverage before closing.

Can I use my own agent with a Naples builder?

At most builders, yes, if your agent is registered at your first contact or visit. Lennar's broker policy, for example, asks the agent to join the buyer's first visit, in person or virtual. The builder's sales consultant represents the builder, so your agent is the one reviewing the contract, fees and incentives on your behalf.

Talk to Cameron

Shopping new homes in Naples or eastern Collier? Call or text Cameron at (239) 940-2101 or use the contact page before your first model visit. He will register you with the builders you choose, compare written offers and fees, check each lot on the flood maps, and line up independent inspections and insurance quotes.

Cameron Smith, eXp Realty LLC. Florida Sales Associate, license SL3246540. Builder prices, incentives and development timelines are as published on the dates shown and can change without notice. This page does not recommend any builder and is not lending, tax, insurance or legal advice. Verify fees with the community and the Collier County Tax Collector, and coverage with a licensed insurance agent.

Sources

Southwest Florida area guides

Naples Cape Coral Fort Myers Bonita Springs Marco Island

New Construction Homes in Naples: Prices, Builders and Fees in 2026