ZIP Code 34108 — Pelican Bay CDP, FL Demographics & Data

ZIP code 34108 covers Pelican Bay, FL in Collier County with a population of about 16,549.

At a glance, the area shows median age of 68.0 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.

Pelican Bay, FL aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 34108 is about $120,187 — about 60% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 3.8%; 61.8% of adults with a bachelor’s degree or higher (about 28.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Food services; about 23.8% of workers reporting work-from-home (about 8.6 points above 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 $972,400 — about 179% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,861 (about 60% above the U.S. median rent ($1,163)), and owner-occupancy near 85.6% (about 20.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34108 in Pelican Bay, FL, a household would need roughly $268,000 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 $6,246. That is about 123% above the local median household income ($120,187), 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 Pelican Bay CDP, 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 Pelican Bay CDP, FL show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 741 for ZIP 34108 (Pelican Bay CDP, 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.