ZIP Code 34104 — Naples city, FL Demographics & Data

ZIP code 34104 covers Naples, FL in Collier County with a population of about 25,873.

At a glance, the area shows median age of 51.3 versus a U.S. median of about 38.9.

It sits in telephone area code 239; U.S. House district FL-19; the FT. MYERS - NAPLES media market.

Naples, FL fits a retirement-oriented profile (high share of residents 65+ (35.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 34104 is about $70,301 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.1%; unemployment rate near 3.7%; 33.1% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Food services, and Construction; about 9.8% of workers reporting work-from-home (about 5.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $348,600 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,595 (about 37% above the U.S. median rent ($1,163)), and owner-occupancy near 67.5% (about 2.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34104 in Naples, FL, a household would need roughly $96,000 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 $2,239. That is about 37% above the local median household income ($70,301), 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.

FEMA’s National Risk Index rates natural-hazard risk for Naples city, FL as Relatively High (composite score 98.9), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.7) and flood (98.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Naples city, FL show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,158 for ZIP 34104 (Naples city, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.