Side-by-side cost of living comparison for 2026
30% cheaper
Naples is 30% more affordable than San Jose. A $75,000 salary in San Jose is equivalent to $52,747 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 San Jose sits at 308 (national average = 100). The median home in Naples costs $520,000 compared to $1,300,000 in San Jose, a difference of $780,000. Monthly rent follows a similar pattern: $2,100 in Naples versus $3,100 in San Jose.
Groceries and everyday expenses show a narrower gap: Naples scores 106 while San Jose scores 110.
Healthcare costs in Naples (98) are lower than San Jose (112).
Median household income in Naples is $72,178 compared to $117,324 in San Jose. When adjusted for cost of living, income goes further in Naples.
Amazon affiliate links