Collier County real estate, your questions answered.
Short answer: as of 2026-07-06, Collier County scores 19/100 (frothy) on our buyer-value scale, the typical home is worth $556,356, the market looks about 31% overvalued, and average insurance runs about $2,147 a year.
Answers update from live data (2026-07-06). For the full numbers, see the Collier County housing scorecard.
| Momentum Market Score | 19/100 (frothy) |
|---|---|
| Typical home value | $556,356 |
| 1-year price change | -5.0% |
| Overvaluation vs local income | about 31% overvalued |
| Cap rate (rent yield) | 5.91% |
| Avg insurance / year | $2,147 |
Is now a good time to buy a house in Collier County?
As of 2026-07-06, our Momentum Market Score for Collier County is 19 out of 100, which reads frothy, meaning the market is expensive against incomes and tight for buyers. Prices are falling (-5.0% over the past year) and the area looks about 31% overvalued versus local incomes. A higher score means more buyer value and negotiating leverage; see the full Collier County scorecard for the breakdown.
Is Collier County a buyer's or seller's market?
Collier County currently reads frothy on our 0 to 100 score (19/100), so it is expensive against incomes and tight for buyers. The score blends home value versus local incomes, price cuts, inventory trend, affordability and rent yield.
Are home prices going up or down in Collier County?
The typical home in Collier County is worth $556,356 (Zillow, 2026-07-06). Prices are falling over the last year (-5.0%) and have moved about 6.2% a year over five years.
Is Collier County housing overvalued?
On price versus the area's own long-run relationship with local income, Collier County looks about 31% overvalued, with a price-to-income ratio of 6.46x. This compares the current typical value to its historical norm, not to other markets.
How much does a house cost in Collier County?
The typical Collier County home is worth about $556,356 as of 2026-07-06, against a county median household income near $86,173.
How much is homeowners insurance in Collier County?
The average Citizens Property Insurance premium in Collier County is about $2,147 a year. Citizens is Florida's insurer of last resort, so that is a realistic floor; private quotes vary by roof age, elevation and flood zone. In Florida, insurance is now one of the largest line items in a housing budget.
Is Collier County a good place to invest in rental property?
The gross rent yield (cap-rate proxy) in Collier County is about 5.91%, with typical rent near $2,739 a month on a $556,356 home. Run the full numbers, including taxes and insurance, in our Florida investment property calculator.
Are people moving to or from Collier County?
In the latest IRS migration data, Collier County is net gaining about 686 households a year, drawing the most out-of-state arrivals from IL and NY.
Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED, IRS migration, Citizens Property Insurance. Scores by Momentum Realty. Informational only, not investment, legal or insurance advice. Collier County scorecard · all county Q&A · all scorecards.