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Homes Under $500,000 in Naples, Utah
Naples sits on the quiet side of the Uinta Basin, a few minutes from Vernal along Highway 40, and it's long been the more affordable neighbor when Basin buyers compare the two towns. Under $500K still covers most of what comes up for sale here — a good share of Naples listings land in the $300s and $400s, from newer construction in the subdivisions off 1500 South to older ranch homes on half-acre and full-acre lots that give room for shops, horses, or RV parking. That land factor matters more here than in denser Wasatch Front markets: many Naples properties carry irrigation shares or well access, which buyers should confirm before writing an offer.
Employment tied to the oil and gas industry, Ashley Regional Medical Center, and the Uintah School District keeps demand steady without the price spikes seen in Utah's resort towns. Winters run cold with inversion haze common in the valley, while summers are dry and warm — a climate that favors homes with detached shops or heated garages, which show up often in this price range. Families also weigh proximity to Naples Elementary and Union High School against commute times into Vernal for work. Browse the active listings below to see what's currently on the market under $500K.
July 2026 · Naples market
Live from the Utah MLS — what's actually happening in Naples right now.
Median sale
$350,000
1 closed in July 2026
Median DOM
8 days
listing → contract
Sale-to-list
98.6%
of final list price
Unsold inventory
4
active + pending
6 matching · page 1 of 1
Active listings
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Common questions
About homes under $500k in Naples.
What kind of home can I actually get under $500K in Naples? ▾
At this budget you're typically looking at a 3-to-5 bedroom home between 1,800 and 3,200 finished square feet, often on a larger lot than you'd see on the Wasatch Front. Many listings in this range include a 2-car garage plus RV parking or a detached shop, which is standard for the Basin lifestyle.
How does Naples pricing compare to Vernal right next door? ▾
Naples and Vernal share the same MLS area and school district (Uintah), and prices are usually within a few percent of each other. Naples tends to have slightly newer subdivisions and larger lots on the south end, while Vernal has more older in-town housing stock.
Are there newer-construction homes available under $500K? ▾
Yes. Builders have been active in Naples subdivisions south of Highway 40, and you can still find newer builds from the last 10 years in the $400Ks. New construction directly from a builder under $500K is less common right now but does come up, especially on smaller lots.
Do homes in Naples have city water and sewer or wells and septic? ▾
It depends on the location. Homes inside the more developed parts of Naples are usually on Ashley Valley Water and city sewer, while properties on the outer edges or on acreage often have a private well and septic system. Always check the seller's disclosure for water rights and septic inspection history.
Is the oil and gas economy a risk for home values here? ▾
It's a real factor. The Basin's housing market historically follows energy activity, so prices soften when rigs slow down and firm up when production picks up. That said, homes under $500K tend to hold value better than the higher-end market because they match what most local wage-earners can qualify for.
What should I budget for property taxes and utilities? ▾
Uintah County property tax rates are among the lower ones in Utah, so taxes on a $400K home typically run around $1,800-$2,400 per year for a primary residence with the owner-occupied exemption. Winter heating bills can be meaningful given the cold dry winters, so ask sellers for 12 months of utility history.