US5.com
  1. Home
  2. States
  3. Florida
  4. ZIP 34102
  5. Housing & Real Estate
Naples city, FL

ZIP 34102 — 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 34102

Median Home Value
$1,422,000
Median Rent
$1,330
Affordability Snapshot
$391,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$9,135/mo PITI).

14%
Rent-to-Income Ratio

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

12.3x
Home Price-to-Income Ratio

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

89.1 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 34102 in Naples city, FL, a household would need roughly $391,000 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 $9,135. That is about 237% above the local median household income ($115,927), 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 45% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.9%+15% vs US avg
x
Vacancy Rate
44.5%+332% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
7.5%-50% vs US avg
x
Built Pre-1939
0.7%-95% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
71.4%+87% vs US avg
x
$1,422,000
Home Value
$1,330
Rent
1979
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached39.1%
  • 1-unit attached1.8%
  • 2-9 units19.0%
  • 10+ units39.8%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,422,000
Median rent$1,330
Owner-occupied74.9%
Vacant44.5%
Price-to-income12.3x
Est. income to buy$391,000