Marco Island today
What this means
Home values here climbed 2.6% in a year.
Permits January to September 2026: 90 homes, 27% more than 2025.
Rents are area estimates; check comps for the exact house. Sources and method: how these figures are built.
Quick facts
| Marco Island | vs Collier County | vs Florida | |
|---|---|---|---|
| Population | 16,421 (2025 estimate) | ||
| Growth since 2020 | 4.3% | -6.7 pts | -4.6 pts |
| Median home value | $896,300 | 66% higher | 150% higher |
| Median gross rent | $1,990 | 7% higher | 19% higher |
| Median household income | $101,523 | 13% higher | 36% higher |
| Owner occupied homes | 89.4% | +12.8 pts | +21.8 pts |
| Residents 65 and older | 59.3% | +25.5 pts | +38.0 pts |
| Average commute (minutes) | 22 | 14% lower | 20% lower |
| Homes built 2010 or later | 5.7% | -12.4 pts | -8.5 pts |
| Median property tax paid | $5,794 | 71% higher | 112% higher |
Census survey figures are 2020 to 2024 averages; methods.
Living in Marco Island
Collier County barrier island city about 20 miles south of Naples, a resort beach community built out from the 1960s.
As an incorporated city, Marco Island sets its own zoning inside Collier County.
Known for: Tigertail Beach; Marco Island Historical Museum; Olde Marco Inn; Marco Island Executive Airport
Development and roads: The S.S. Jolley Bridge (1969) and Deltona Corporation development shaped its growth.
Next to the rest of Collier County, more homes are seasonal or vacation homes (49.2% vs 24.9%); the population is older (59.3% age 65 or older vs 33.8%); homes are pricier than the county median ($896,300 vs $540,700) and more of the housing is in apartment and condo buildings (56.4% vs 36.3%).
If you like the numbers here, also look at Islamorada ($919,600, $1,882), Key West ($852,400, $2,220), Indian Rocks Beach ($738,800, $1,863).
Growth and housing
The Census estimates 16,421 residents in 2025, up from 15,749 in 2020: 4.3% growth.
| 2025 building permits | Marco Island |
|---|---|
| Single family | 90 |
| 5 or more units | 0 |
| Total units | 90 |
| Per 1,000 residents | 5.5 |
Median year built: 1987. This is a multifamily heavy market (56.4% in buildings of 5+ units). Average household size is 1.88.
5.8% of residents moved in from another state in the past year (county 4.1%).
Risks to price in
| Risk item | Detail |
|---|---|
| County average homeowners insurance with wind | $5,534 a year |
| Hurricanes tied to Collier County since 2000 | Wilma (2005), Irma (2017) |
| Coastal county | check flood zone and elevation per address |
Large buildings hold 44.2% of homes here; read the reserve study before buying a condo. Condo financing
Flood, storms and jobs
Flood premiums in Marco Island get a 25% discount in high risk zones because the city holds CRS class 5. Since 2000, flood insurance has paid $46,968,042 on 1,811 claims inside Marco Island. For county flood claims, disaster history and jobs, see the Collier County guide (0.1% of homes there are in high risk zones).
Buying a home in Marco Island
| 2026 loan limits (county) | Amount |
|---|---|
| FHA, one unit | $764,750 |
| Conforming, one unit | $832,750 |
| Median home value here | $896,300 |
Price to income: 8.8x, compared with 6.0x for the county.
- Conventional: mortgage insurance drops off as equity builds.
- VA: veterans are 10.2% of adults.
- Jumbo: many homes here run near or past the $832,750 conforming limit.
Investing in Marco Island
Long term rentals
| Marco Island | vs Collier County | |
|---|---|---|
| Renter occupied homes | 10.6% | -12.8 pts |
| Rental vacancy | 28.6% | +18.6 pts |
| Rent as share of renter income | 49.2% | +11.7 pts |
Short term rentals
Marco Island is one of Florida's vacation rental markets: 49.2% of homes are held for seasonal or vacation use.
| Short term rental taxes | Rate |
|---|---|
| County tourist development tax | 5% |
| State sales tax | 6% plus any county surtax |
Confirm zoning, registration and HOA rules for the exact address. State rules
Property types
| Housing stock | Share |
|---|---|
| Single family detached | 39.4% |
| Buildings with 5+ units | 56.4% |
| Manufactured homes | 0.5% |
Nearby
Other Florida markets
Sources
- U.S. Census Bureau, American Community Survey 2020 to 2024 5 year estimates. 2020 to 2024.
- U.S. Census Bureau, Population Estimates, Vintage 2025. July 1, 2025.
- U.S. Census Bureau, Building Permits Survey, 2025 annual. 2025.
- FFIEC HMDA Data Browser, originated loans. 2025 and 2024.
- LendingTree: 2026 FHA loan limits in Florida by county (HUD figures). 2026.
- Florida Realtors: FHFA sets 2026 conforming loan limits. 2026.
- Florida Office of Economic and Demographic Research: 2026 local option tourist tax rates. 2026.
- Florida Office of Insurance Regulation, July 2026 Insurance Stability Unit report (average homeowners premium with wind, as of March 31, 2026). March 31, 2026.
- Freddie Mac Primary Mortgage Market Survey. week of October 22, 2026.
- Wikipedia: List of counties in Florida. checked October 2026.
- U.S. Census Bureau county adjacency file. 2024.
- Wikipedia county article and statewide lists (colleges, teams, airports); Florida Defense Support Task Force installation map. checked October 2026.
- Wikipedia article for this place (history, setting, roads). checked October 2026.
- Zillow Home Value Index (ZHVI), all homes, middle tier, smoothed and seasonally adjusted. September 2026.
- Federal Housing Finance Agency House Price Index (county annual, metro and state quarterly, all transactions). through Q2 2026.
- U.S. Census Bureau, Building Permits Survey, January to September 2026 and 2025. September 2026.
- FEMA OpenFEMA, NFIP Residential Penetration Rates. as of August 2026.
- FEMA OpenFEMA, FIMA NFIP Redacted Claims (2000 to 2026). as of September 2026.
- FEMA OpenFEMA, NFIP Community Status Book (Community Rating System class). August 2026.
- FEMA OpenFEMA, Disaster Declarations Summaries (2000 to 2026). October 2026.
- U.S. Census Bureau, County Business Patterns 2023. 2023.
- U.S. Census Bureau, ACS 2020 to 2024, median gross rent by bedrooms (B25031). 2020 to 2024.
- Hurricane landfalls: Wikipedia, List of Florida hurricanes (2000 to present). checked October 2026.
Estimates from public data; they change over time. General information, not investment, tax or legal advice, and not a loan offer. Methods and assumptions.