Naples 34102

Name: 34102 Naples, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Naples-Marco Island, FL · Collier County, FL · 10,632 properties with county records

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Naples 34102 is in Collier County, FL, part of the Naples Metro. The typical home value in Naples 34102 is $1,284,426 (Zillow Home Value Index, August 2026), up 1.7% from a year earlier. Homes that sold went under contract in a median 124 days, and 17% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 7.3 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 34102 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Collier County's 19 ZIPs with a Zillow value, the middle one is $546,857, so 34102 sits 135% above the county middle. Typical rent is $7,151 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 10,632 properties in 34102.

Headline value data through August 2026. Each source below carries its own date.

Is 34102 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 34102 is a seller's market, narrowly. Homes went under contract in a median 124 days with 7.3 months of supply.

What do homes in 34102 sell for?

The typical home value in 34102 is $1,284,426 (Zillow Home Value Index, August 2026), up 1.7% in a year. County records put the median at about $815 per square foot (computed Apr 21, 2026).

Who is likely to sell in 34102?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 34102 has not passed that test yet. When it does, the score appears here.

How does 34102 compare to Collier County?

34102's typical value of $1,284,426 compares with a middle value of $546,857 across Collier County's 19 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 34102 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of Aug 31, 2026) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 34102 Naples, FL, data through August 2026, https://lotvox.com/naples/zip/34102

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

0affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

73.6%

severe

Days on market

124

daily

Price cuts

16.6%

of active

Valuation

-9.2%

vs assessor

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Rent vs own

Not available for this ZIP — no rent or ownership-cost estimate published here.

Rent to price

Not available for this ZIP — no price-to-rent ratio published here.

/100

mixed

cooling · seller slight · prices rising year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / seller

buyer-timing lens

Negotiate Hard

Needs 59.2% correction for affordability

DOM: 76d (falling) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)100

Valuation Gap (25%)10

Supply & Demand (20%)100

Buy vs Rent (15%)25

Cancellation Rate (10%)75

Days on Market (5%)75

Moderate buyer leverage in 34102. Room to negotiate 5-10% below list. Payment burden: 68.7% of median income. A 49% price correction needed to reach 30% affordability threshold. Median days on market: 76. Renting is approximately 16% cheaper than buying (price-to-rent ratio: 13.9).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge.

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Market snapshot

each number, once

Median price

$1,284,426

▴ 1.7% YoY

Days on market

124

daily · zip_data

Median rent

$7,151

ZORI

Investor score

67/100

cash-flow lens

Active listings

280

90-day

Valuation

3 lenses, different anchors

vs assessor

-9.2%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$1,166,256

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+54.4%

County-wide market — the widest, slowest signal.

Collier+54.4%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$815

Price-to-income11.3×

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How 34102 ranks in FL

percentile vs all FL ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

16SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply55.2 mo

Days on Market124d

Inv vs History-32.1%

Listing Density52.0/1k

Market dynamics

Price cut %16.6%

Momentumcooling

LeverageSELLER SLIGHT

Months of supply7.3

Sales (90d)115

Investment analysis

Median rent$7,151

Price-to-rent13.9

Est. cap rate4.7%

Buy vs rentneutral

Livability

Walk score6

Transit score1

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in Collier.

Current tiers · 12 months to Aug 25floor 10 sales/tier

1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row. 6 tiers had too few sales at every level and are left blank rather than estimated.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$250k–$500k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$500k–$750k	—	—	—	—	fewer than 10 sales at zip, county and metro level
$750k–$1M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1M–$1.5M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$1.5M–$2M	—	—	—	—	fewer than 10 sales at zip, county and metro level
$2M+	$3.90M	$460	22	66.7%	COUNTY · Collier, FL
All sales (the headline median)	$3.04M	$463	33	100%	COUNTY · Collier, FL

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 34102.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Collier County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

ZIP 34102→Collier County, FL

12-Month Direction

-22Moderate Deterioration

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

42· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

73.6%

severe

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

15x

neutral

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation7

+54.4%

overvalued

Source: Lotvox comps · Updated 2026-05-15