Market Overview
Home Prices in Captiva, FL
The median home value in Captiva, FL is $1,215,871 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 8.9% compared to a year ago and down 5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Captiva are priced197% above average. Captiva is part of the Cape Coral-Fort Myers, FL metro area.
Over the past five years, Captiva home values have risen by approximately4.1%, reflecting modest growth in this market.
Price History
Captiva Home Price Trend
City Comparison
Captiva vs. National Median
At $1,215,871, homes in Captiva cost 197% above the national median of $410,000. Buyers in Captiva should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Captiva?
20% Down Payment
$243,174
on $1,215,871
Monthly P&I
$6,341/mo
30-yr @ 6.8%
Total Monthly Est.
~$8,053/mo
incl. taxes & insurance
Income Needed
$322,120
gross annual (30% rule)
10% Down Option
$121,587
+ PMI applies
Loan Amount (20% dn)
$972,697
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Captiva, FL?
The median home value in Captiva is $1,215,871 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 8.9% year-over-year.
How much have home prices changed in Captiva?
Over the past year, home values in Captiva have decreased by 8.9%. Over five years, prices have risen approximately 4.1%.
How much do I need to earn to buy a home in Captiva?
To comfortably afford the median home price of $1,215,871 with a 20% down payment ($243,174) at today's rates (6.8%), you'd need a gross annual income of approximately $322,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Captiva compare to the national average home price?
The national median home value is approximately $410,000. At $1,215,871, homes in Captiva are 197% above the national average.
What metro area is Captiva part of?
Captiva is part of the Cape Coral-Fort Myers, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.