Living Better for Less: Naples, FL vs. New York, New Jersey & Illinois

Are you considering moving from New York, New Jersey, or Illinois to Florida? Naples is one of the most desirable places to live in the Sunshine State, offering year-round sunshine, a vibrant lifestyle, and significant financial advantages.

But how does the cost of living in Naples compare to NY, NJ, and IL? Let’s break it down — and show why building with Nova Homes of South Florida, a leading Naples custom home builder, helps you maximize your move:

Overall Cost of Living

• New York is ~30–52% more expensive overall than Naples.

• Many New Jersey cities are about 10–11% more expensive than Naples.

• Naples can be slightly higher than Chicago in some areas, but overall may be more affordable depending on lifestyle.

Housing Costs

• Homes and rent in New York are far more expensive. Naples offers more home for your money.

• New Jersey housing and property taxes are extremely high; Naples is often more affordable long-term.

• Some Chicago housing is cheaper, but Illinois property taxes drive costs higher.

Taxes

• New York has steep state and city taxes. Florida = no state income tax.

• New Jersey has some of the highest property taxes in the nation.

• Illinois has both state income tax and high property taxes. Florida offers major savings.

Transportation / Commute

• New York = expensive tolls, subways, and parking. Naples = shorter commutes, lighter traffic.

• New Jersey = expensive commutes into NYC. Naples = much lower commuting costs.

• Chicago = costly car ownership + winters. Naples avoids snow and winter upkeep.

Utilities & Weather Costs

• NY winters = high heating bills. Naples = lower heating, slightly higher cooling.

• NJ winters = heating + snow removal. Naples avoids those costs.

• IL winters = heating and snow costs. Naples = mild winters year-round.

Why Moving to Naples Makes Financial Sense

Relocating to Naples means:

• Lower taxes (no state income tax + lower property taxes).

• More home for your money (especially with a custom build).

• Reduced commuting and winter costs.

• Access to luxury lifestyle amenities — beaches, golf, and outdoor living — at a fraction of NY/NJ costs.

  
  

  

  
  

Why Build with Nova Homes of South Florida

When you’re ready to build a home in Naples, Florida, Nova Homes gives you unmatched value:

1. Energy-Efficient, Healthy Homes - Custom-designed homes with superior construction save you money on utilities and maintenance.

2. Premium Features Included - With Nova, pools, lanais, and luxury finishes come standard — unlike many builders who charge extra.

3. Tax Savings + Long-Term Value - Combine Florida’s tax advantages with Nova’s quality craftsmanship for lasting financial benefits.

4. Designed for the Naples Lifestyle

Enjoy open layouts, lanais, and pools that make outdoor living part of everyday life.

If you’re researching the Naples cost of living vs. New York, New Jersey, or Illinois, you’ll find significant savings in taxes, housing value, and overall lifestyle. By choosing Nova Homes of South Florida, you’ll maximize those benefits with a custom home built for quality, comfort, and efficiency.

👉 Ready to start building your dream home? Contact Nova Homes of South Florida today and discover how your move to Naples can bring both financial freedom and the Florida lifestyle you’ve always wanted.