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Naples city, FL

ZIP 34103 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34103

Median Home Value
$938,200
Median Rent
$1,884
Affordability Snapshot
$258,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,027/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

8.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

41.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 34103 in Naples city, FL, a household would need roughly $258,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $6,027. That is about 124% above the local median household income ($115,262), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
87.2%+33% vs US avg
x
Vacancy Rate
47.0%+356% vs US avg
x
Broadband Access
94.7%+9% vs US avg
x
4+ Bedrooms
1.2%-92% vs US avg
x
Built Pre-1939
0.0%-100% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
39.5%-20% vs US avg
x
Mortgage-Free
59.0%+54% vs US avg
x
$938,200
Home Value
$1,884
Rent
1980
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached28.0%
  • 1-unit attached3.2%
  • 2-9 units9.9%
  • 10+ units57.8%
  • Mobile home & other1.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$938,200
Median rent$1,884
Owner-occupied87.2%
Vacant47.0%
Price-to-income8.1x
Est. income to buy$258,000