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Naples city, FL

ZIP 34112 — 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 34112

Median Home Value
$293,000
Median Rent
$1,419
Affordability Snapshot
$81,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,882/mo PITI).

25%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

17.2 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 34112 in Naples city, FL, a household would need roughly $81,000 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 $1,882. That is about 18% above the local median household income ($68,838), 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 36% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
77.5%+18% vs US avg
x
Vacancy Rate
36.0%+250% vs US avg
x
Broadband Access
88.7%+2% vs US avg
x
4+ Bedrooms
0.4%-97% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
1.2%-82% vs US avg
x
Rent Burden >30%
32.3%-35% vs US avg
x
Mortgage-Free
62.8%+64% vs US avg
x
$293,000
Home Value
$1,419
Rent
1989
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 detached24.9%
  • 1-unit attached7.1%
  • 2-9 units28.8%
  • 10+ units30.1%
  • Mobile home & other9.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$293,000
Median rent$1,419
Owner-occupied77.5%
Vacant36.0%
Price-to-income4.3x
Est. income to buy$81,000