Is Collier County, FL good for real estate investing?

Collier County has an investment score of 39/100, rated as "Avoid". The county ranks #722 nationally among 1000 counties analyzed.

What is the rent-to-price ratio in Collier?

The rent-to-price ratio in Collier County is 5.78% annually, which ranks in the 45th percentile nationally. Higher ratios indicate better cash flow potential.

What is the median home price in Collier?

The median home price in Collier County is $551,180. This ranks #932 in affordability among all US counties.

Can you cash flow on rental properties in Collier?

Based on median values with 20% down at current rates, a typical rental in Collier County would generate negative cash flow of $1,164/month. Individual property performance varies based on purchase price, rent, and operating expenses.

Collier County

FloridaPopulation: 380,221

/100

Avoid

#722 of 1,000 counties

#59 in Florida (67 counties)

Market Snapshot

$551,180

Median Home Price

136% above national median

$2,654/mo

Median Rent

76% above national median

5.78%

Rent-to-Price Ratio

Top 55% nationally

-$1,164

Est. Monthly Cash Flow

With 20% down at 6.9% rate

Price History

Historical data from Zillow ZHVI/ZORI

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$551,180

Down Payment (20%)$110,236

Loan Amount$440,944

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,654

Monthly P&I-$2,889

Est. Expenses (35%)-$929

Net Cash Flow-$1,164/mo

3.8%

Cap Rate (all cash)

-11.0%

Cash-on-Cash Return

5.78%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

39/100

Cash Flow(30%)

57/100

Based on 5.78% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

11/100

Based on -6.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

33/100

Price-to-income ratio of 6.7x. Lower ratios indicate more affordable markets.

Scores are calculated using real Zillow home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. Markets with missing rent data use estimated values based on regional averages.

Investment Outlook

Strengths

+Complete rent data available

Challenges

-Declining home values (-6.9% YoY)
-Negative cash flow at typical financing (-$1,164/mo)
-Negative leverage (cap rate 3.8% < mortgage rate 6.9%)
-High price-to-income ratio makes financing challenging

Economic Indicators

Population

380,221

Median Income

$82,011

vs $57,018 national est.

Unemployment Rate

—

Data pending

Price-to-Income

6.7x

Less affordable

Compare to Nearby Counties

County					Verdict
Miami-DadeFL	44	$513,948	$2,798	6.53%	Avoid	View
PinellasFL	44	$361,621	$2,032	6.74%	Avoid	View
LevyFL	42	$285,928	Est. pending	—	Avoid	View
HolmesFL	41	$184,808	Est. pending	—	Avoid	View
ManateeFL	41	$409,835	$2,044	5.99%	Avoid	View
CurrentCollierFL	39	$551,180	$2,654	5.78%	Avoid

The Bottom Line

AvoidCollier may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Collier County in Florida scores 39/100, ranking #722 of 1,000 US counties (top 95%). The 5.78% rent-to-price ratio may require creative strategies or below-market purchases for positive cash flow. Current market conditions make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or all-cash purchases.

Monthly Cash Flow

$-1,164/mo

Cap Rate

3.8%

Cash-on-Cash

-11.0%

Ready to Analyze a Deal in Collier?

Use our investment calculators to run detailed numbers on specific properties.

Single Family1-4 unit rentals, BRRRR House HackOwner-occupied strategy Multifamily5+ unit properties

Explore Other Markets

Quick Investment Calculator

Down Payment20%

5%50%100%

Purchase

Purchase Price$551,180

Down Payment (20%)$110,236

Loan Amount$440,944

Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$2,654

Monthly P&I-$2,889

Est. Expenses (35%)-$929

Net Cash Flow-$1,164/mo

3.8%

Cap Rate (all cash)

-11.0%

Cash-on-Cash Return

5.78%

Rent-to-Price Ratio

Negative leverage: At 6.85% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on county median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Actual results vary by property.

Run Full Analysis Try House Hack Strategy

Score Breakdown

Overall Investment Score

39/100

Cash Flow(30%)

57/100

Based on 5.78% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)

11/100

Based on -6.9% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)

50/100

Population data not available.

Affordability(20%)

33/100

Price-to-income ratio of 6.7x. Lower ratios indicate more affordable markets.

County

Verdict

Miami-DadeFL

$513,948

$2,798

6.53%

Avoid

View

PinellasFL

$361,621

$2,032

6.74%

Avoid

View

LevyFL

$285,928

Est. pending

—

Avoid

View

HolmesFL

$184,808

Est. pending

—

Avoid

View

ManateeFL

$409,835

$2,044

5.99%

Avoid

View

CurrentCollierFL

$551,180

$2,654

5.78%

Avoid

The Bottom Line

AvoidCollier may be challenging for traditional rentals. High prices or low rents make cash flow difficult.

Monthly Cash Flow

$-1,164/mo

Cap Rate

3.8%

Cash-on-Cash

-11.0%