Affordable & Low-Income Housing in Naples, FL
25 affordable buildings in Naples · 9 ZIP codes
Naples, FL has 25 income-restricted buildings across 9 ZIP codes: 22 tax credit, 4 Section 8, and 1 senior. These lists don't show openings — call to ask about vacancies and waiting lists.
In Naples
Collier Housing Alternatives
4211 Thomasson Drive, Naples, FL 34112
10 units · 9 income-restricted · 2 BR · People with disabilities
Housing Alternatives of SW Florida
3401 21st Ave SW, Naples, FL 34117
6 units · 1 BR · People with disabilities
Heritage
4310 Jefferson Ln, Naples, FL 34116
320 units · 1–3 BR
- Affordability period may have ended — call to confirm
Turtle Creek Apts
1130 Turtle Creek Blvd, Naples, FL 34110
269 units · 268 income-restricted · 1–3 BR
- Affordability period may have ended — call to confirm
Meadow Lakes
105 Manor Blvd, Naples, FL 34104
252 units · 1–3 BR
- Affordability period may have ended — call to confirm
Heron Park
2105 Scrub Oak Cir, Naples, FL 34112
248 units · 1–3 BR
- Affordability period may have ended — call to confirm
Windsong Club
11086 Windsong Cir, Naples, FL 34109
120 units · 1–3 BR
- Affordability period may have ended — call to confirm
No buildings in Naples match this filter.
Programs in Naples
- Tax credit
- Section 8
- Seniors
ZIP codes in Naples
Nearby cities
Rents and income limits in 34104
- Fair market rent, 2 bedrooms
- $2,010/mo
- Income needed to pay it at 30% of income
- $80,400/yr
- Renters in 34104 paying 30% or more of income on rent
- 67%
Income limits (2026)
Naples-Marco Island, FL area · median family income $121,000. Your household's yearly income before taxes must be at or below the limit.
| People | Extremely low 30% | Very low 50% | Low 80% |
|---|---|---|---|
| 1 | $25,450 | $42,350 | $67,800 |
| 2 | $29,050 | $48,400 | $77,450 |
| 3 | $32,700 | $54,450 | $87,150 |
| 4 | $36,300 | $60,500 | $96,800 |
| 5 | $39,250 | $65,350 | $104,550 |
| 6 | $44,360 | $70,200 | $112,300 |
| 7 | $50,040 | $75,050 | $120,050 |
| 8 | $55,720 | $79,900 | $127,800 |
Section 8 vouchers: up to the 50% limit, and most go to households under 30%. Public housing: up to 80%. Tax-credit apartments: usually up to 60% of median income, between the 50% and 80% columns.
Fair market rents (2027)
HUD's estimate of rent plus utilities for a modest home. Housing authorities set Section 8 voucher limits from it.
| Size | 34104 | Wider area |
|---|---|---|
| Studio | $1,400 | $1,418 |
| 1 bedroom | $1,850 | $1,870 |
| 2 bedrooms | $2,010 | $2,036 |
| 3 bedrooms | $2,550 | $2,584 |
| 4 bedrooms | $2,780 | $2,815 |
Wider area = Naples-Marco Island, FL. Two-bedroom fair market rents in 10 nearby ZIPs range from $1,840 (34112) to $2,470 (34108).
Census figures for 34104 (2020–2024 average): median rent $1,804. Median household income $71,686. 32% of homes are rented. 67% of renters pay 30% or more of their income on rent, and 40% pay half or more.
Census median rent is what renters here actually pay, including long-term leases. Fair market rent is HUD's estimate for a modest apartment available now.
Sources: HUD income limits FY2026; HUD Fair Market Rents FY2027 (Small Area FMR for ZIP figures); U.S. Census Bureau American Community Survey 5-year 2020–2024. Each program and building can set its own limits — confirm with the property.
Estimate your Section 8 rent share
Project-based Section 8 is on the buildings above. A Housing Choice Voucher is different: you apply with the housing authority, then find a landlord who takes it. Your share of rent is based on income — not always 30%. The calculator uses 34104's fair market rent.
Estimate your Section 8 rent share for 34104Frequently Asked Questions
Is there Section 8 housing in Naples, FL?
Yes — this directory lists income-restricted buildings in Naples, FL, including project-based Section 8 apartments (the subsidy stays with the unit), public housing, tax-credit, and USDA rural rentals. Housing Choice Vouchers are different: you apply with the local housing authority and can use them at a private landlord. Estimate your voucher rent share with the Section 8 calculator.
Do affordable housing buildings in Naples, FL have openings?
These lists for Naples, FL don't show openings. Call the property (or the housing authority, for public housing) to ask about vacancies and waiting lists.
How do I apply for affordable housing in Naples, FL?
Use the phone number on each building card in Naples, FL. Public housing is run by the local housing authority — apply with them, not at the building. USDA rural rentals can also be found through USDA's property search.
What counts as affordable housing in Naples, FL?
In Naples, FL, this directory lists income-restricted rentals from HUD tax-credit (LIHTC) records, public housing, HUD-assisted buildings (including project-based Section 8, 202, and 811), and USDA Rural Development.
How many affordable housing buildings are in Naples, FL?
This directory lists 25 income-restricted buildings in Naples, FL. The list does not show vacancies — call each property or the housing authority to ask about openings and waiting lists.
Which ZIP codes in Naples have affordable housing?
Income-restricted buildings in Naples are listed in 34104 (5), 34116 (4), 34102 (3), 34109 (3), 34112 (3), 34119 (3), 34113 (2), 34110 (1), 34117 (1).
People Also Ask
How do I qualify for affordable housing in Naples, FL?
Most income-restricted buildings in Naples, FL serve households at or below 50% or 80% of area median income. HUD's 2026 very low-income (50%) limit for a 1-person household is $42,350, and $60,500 for a 4-person household. Public housing can go up to 80% ($67,800 for 1 person). Each building sets its own cap — call to confirm before you apply. Citizenship, household size, and local preferences can also apply.
What is the income limit for low-income housing in Naples, FL?
For many programs in Naples, FL, the 2026 HUD very low-income (50%) limit is $42,350 a year for 1 person and $60,500 for 4 people. The low-income (80%) limit is $67,800 for 1 person. Tax-credit buildings often use 60% of median income. Confirm with the property — they can be stricter.
How long is the waiting list for Section 8 in Naples, FL?
There is no single waiting list for Naples, FL. Public housing, project-based Section 8, and tax-credit buildings each keep their own list. Housing Choice Voucher lists at the housing authority open only sometimes and can stay closed for years. This directory does not show which lists are open — call the number on each card. Some public housing cards show HUD's reported wait in months.
What is the difference between Section 8 and public housing in Naples, FL?
Public housing is owned by a housing authority — you apply with that agency, not at the building. Project-based Section 8 is a HUD contract on a private building; the subsidy stays with the apartment. A Housing Choice Voucher is different: you apply with the housing authority and can use it at a landlord who takes it. This page lists project-based Section 8, tax-credit apartments in Naples, FL. Estimate voucher rent share with the Section 8 calculator.
How much rent do you pay for low-income housing in Naples, FL?
In public housing and most Section 8 in Naples, FL, tenants typically pay about 30% of adjusted income. HUD's 2027 fair market rent for a 2-bedroom near Naples, FL is $2,010 a month (rent plus utilities for a modest unit). Tax-credit apartments use set rents below market, not always 30% of income. Call the building for the actual rent; this site is not a vacancy or price list.
Can I use a Section 8 voucher at affordable apartments in Naples, FL?
A Housing Choice Voucher is not automatically accepted at every building in Naples, FL. Project-based Section 8 units already have a subsidy on the apartment — you apply there, not with a tenant voucher. For a voucher, apply with the housing authority, then ask each landlord. Estimate your share with the Section 8 calculator.
Is there senior affordable housing in Naples, FL?
Yes — this directory flags senior (often 62+) buildings in Naples, FL. Use the Seniors filter on the list. Age rules vary; call to confirm.
Sources: HUD LIHTC database, 2024 (released Apr 2026); HUD Multifamily Assisted Properties, Oct 2026. Not affiliated with HUD or USDA. Details can be out of date — confirm with the property before applying.
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