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Naples city, FL

ZIP 34105 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 34105

Median Home Value
$515,600
Median Rent
$1,903
Affordability Snapshot
$142,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,312/mo PITI).

24%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

22.6 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 34105 in Naples city, FL, a household would need roughly $142,000 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 $3,312. That is about 50% above the local median household income ($94,702), 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 32% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
66.6%+2% vs US avg
x
Vacancy Rate
32.3%+214% vs US avg
x
Broadband Access
88.8%+2% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
30.9%-38% vs US avg
x
Mortgage-Free
55.5%+45% vs US avg
x
$515,600
Home Value
$1,903
Rent
1996
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached30.6%
  • 1-unit attached11.7%
  • 2-9 units23.1%
  • 10+ units34.1%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$515,600
Median rent$1,903
Owner-occupied66.6%
Vacant32.3%
Price-to-income5.4x
Est. income to buy$142,000