ZIP Code 34138 — Chokoloskee CDP, FL Demographics & Data

ZIP code 34138 covers Chokoloskee, FL in Collier County with a population of about 911.

At a glance, the area shows median age of 45.4 versus a U.S. median of about 38.9.

It sits in U.S. House district FL-26; the FT. MYERS - NAPLES media market.

Median household income in ZIP 34138 is about $95,712 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%.

Labor and commute patterns include leading industry context around Arts and entertainment, Transportation, and Retail trade; about 46.8% of workers reporting work-from-home (about 31.6 points above the U.S. share (15.2%)); a mean commute of about 58.0 minutes (U.S. average near 26.8).

Median home value is about $220,100 — about 37% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 83.5% (about 18.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 34138 in Chokoloskee, FL, a household would need roughly $61,000 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 $1,414. That sits below the local median household income ($95,712), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Chokoloskee 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 Chokoloskee CDP, FL show little to no average snow.

IRS migration statistics show a net inflow of about 41 for ZIP 34138 (Chokoloskee 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.