Side-by-side cost of living comparison for 2026
20% cheaper
Richmond is 20% more affordable than Naples. A $75,000 salary in Naples is equivalent to $60,352 in Richmond.
Index values shown. National average = 100. Lower is cheaper.
To maintain the same standard of living:
See exact take-home pay: Florida salaries · Virginia salaries
Housing is typically the biggest factor in any cost-of-living comparison. Naples has a housing index of 180 while Richmond sits at 108 (national average = 100). The median home in Naples costs $520,000 compared to $300,000 in Richmond, a difference of $220,000. Monthly rent follows a similar pattern: $2,100 in Naples versus $1,400 in Richmond.
Groceries and everyday expenses show a notable difference: Naples scores 106 while Richmond scores 100.
Healthcare costs in Naples (98) are lower than Richmond (100). Both are close to the national average.
Median household income in Naples is $72,178 compared to $50,120 in Richmond. When adjusted for cost of living, income goes further in Richmond.
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