Side-by-side cost of living comparison for 2026
22% cheaper
Naples is 22% more affordable than Oakland. A $75,000 salary in Oakland is equivalent to $58,182 in Naples.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Florida salaries · California salaries
Housing is typically the biggest factor in any cost-of-living comparison. Naples has a housing index of 180 while Oakland sits at 264 (national average = 100). The median home in Naples costs $520,000 compared to $780,000 in Oakland, a difference of $260,000. Monthly rent follows a similar pattern: $2,100 in Naples versus $2,700 in Oakland.
Groceries and everyday expenses show a narrower gap: Naples scores 106 while Oakland scores 109.
Healthcare costs in Naples (98) are lower than Oakland (113).
Median household income in Naples is $72,178 compared to $73,692 in Oakland. When adjusted for cost of living, income goes further in Naples.
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