Naples 34109

Name: 34109 Naples, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Naples-Marco Island, FL · Collier County, FL · 13,722 properties with county records

This page: 0 views, fetched by 0 AI engines, citations not yet checked, 0 address lookups, since 2026-10-01 (server log began then).

Naples 34109 is in Collier County, FL, part of the Naples Metro. The typical home value in Naples 34109 is $577,772 (Zillow Home Value Index, August 2026), down 1.3% from a year earlier. Homes that sold went under contract in a median 93 days, and 21% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 3.5 months of supply, neither buyers nor sellers hold a clear edge. The Lotvox Turnover Index is not published for 34109 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 34109 sits 6% above the county middle. Typical rent is $2,420 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 13,722 properties in 34109.

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

Is 34109 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 34109 is a balanced market. Homes went under contract in a median 93 days with 3.5 months of supply.

What do homes in 34109 sell for?

The typical home value in 34109 is $577,772 (Zillow Home Value Index, August 2026), down 1.3% in a year. County records put the median at about $295 per square foot (computed Apr 21, 2026).

Who is likely to sell in 34109?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 34109 has not passed that test yet. When it does, the score appears here.

How does 34109 compare to Collier County?

34109's typical value of $577,772 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 34109 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, 34109 Naples, FL, data through August 2026, https://lotvox.com/naples/zip/34109

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

Should you buy here?

buyer-timing lens

36affordability /100

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

Payment burden

42.2%

severe

Days on market

daily

Price cuts

21.2%

of active

Valuation

-14.9%

vs assessor

Look up an address

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 · balanced · prices easing 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

Balanced Market

Needs 28.9% correction for affordability

DOM: 65d (falling) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)75

Valuation Gap (25%)10

Supply & Demand (20%)100

Buy vs Rent (15%)50

Cancellation Rate (10%)50

Days on Market (5%)75

Balanced market in 34109. List price is roughly fair — focus on condition and value. Payment burden: 38.8% of median income. A 10% price correction needed to reach 30% affordability threshold. Median days on market: 65. Renting is approximately 46% cheaper than buying (price-to-rent ratio: 17.5).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.

COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 1.3% YoY.

Address lookup

$99 report path

Look Up an Address in 34109

Just type the street — we'll auto-scope the search to ZIP 34109.

Actions

Export, share, or compare this ZIP

Compare

Share & embed

free · county-record data · links back here

X LinkedIn Facebook Email Share card

Embed this market card on your site

<iframe src="https://lotvox.com/embed/zip/34109" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Naples 34109 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/naples/zip/34109?utm_source=embed&utm_medium=backlink">Naples 34109 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$577,772

▾ 1.3% YoY

Days on market

daily · zip_data

Median rent

$2,420

ZORI

Investor score

51/100

cash-flow lens

Active listings

189

90-day

Valuation

3 lenses, different anchors

vs assessor

-14.9%

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

Avg assessor$491,800

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$295

Price-to-income6.4×

Unlock Vacancy Data

Available with Lotvox Pro — $29/mo.

Start free trial

How 34109 ranks in FL

percentile vs all FL ZIPs

Comparative ranking not available for this ZIP.

Affordability, supply & momentum

23SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply31.9 mo

Days on Market93d

Inv vs History-32.1%

Listing Density16.1/1k

Market dynamics

Price cut %21.2%

Momentumcooling

LeverageBALANCED

Months of supply3.5

Sales (90d)163

Investment analysis

Median rent$2,420

Price-to-rent17.5

Est. cap rate3.7%

Buy vs rentneutral

Livability

Walk score—

Transit score—

Bike score—

Historical trends

Unlock Historical Trends

Available with Lotvox Pro — $29/mo.

Start free trial

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 34109.

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.

Unlock Price Bands

Available with Lotvox Pro — $29/mo.

Start free trial

Collier County context

macro · jobs · debt · migration

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

ZIP 34109→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

42.2%

severe

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

Price-to-rent

19.9x

neutral

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation7

+54.4%

overvalued

Source: Lotvox comps · Updated 2026-05-15