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Naples city, FL

ZIP 34104 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34104

Median Home Value
$348,600
Median Rent
$1,595
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,239/mo PITI).

27%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

18.2 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 34104 in Naples city, 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.

Housing Tenure

Vacancy rate 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.5%+3% vs US avg
x
Vacancy Rate
28.3%+174% vs US avg
x
Broadband Access
91.6%+5% vs US avg
x
4+ Bedrooms
0.3%-98% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
38.5%-22% vs US avg
x
Mortgage-Free
51.4%+35% vs US avg
x
$348,600
Home Value
$1,595
Rent
1994
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached33.1%
  • 1-unit attached8.1%
  • 2-9 units20.8%
  • 10+ units31.5%
  • Mobile home & other6.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$348,600
Median rent$1,595
Owner-occupied67.5%
Vacant28.3%
Price-to-income5.0x
Est. income to buy$96,000