Naples 34102

Naples-Marco Island, FL · Collier County, FL · 10,632 properties · updated 7/5/2026

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
68.5%
severe
Days on market
82
daily
Price cuts
21.5%
of active
Valuation
-11%
vs assessor
Look up an address
36
/100
weak
cooling · seller slight · 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 / sellerbuyer-timing lens

62/ 100SellerBalancedBuyer
Negotiate Hard
Needs 56.2% 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: 68.6% 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. Prices down 2.6% YoY.

Address lookup$99 report path

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Market snapshoteach number, once

Median price
$1,309,977
▾ 2.6% YoY
Days on market
82
daily · zip_data
Median rent
$7,848
ZORI
Investor score
67/100
cash-flow lens
Active listings
379
90-day

Valuation3 lenses, different anchors

vs assessor
-11.0%
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
+55.3%
County-wide market — the widest, slowest signal.
Collier+55.3%
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

14SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply55.2 mo
Days on Market82d
Inv vs History-9.8%
Listing Density70.4/1k
Market dynamics
Price cut %21.5%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply55.2
Sales (90d)0
Investment analysis
Median rent$7,848
Price-to-rent13.9
Est. cap rate4.7%
Buy vs rentfavors buying

Livability

Walk score6
Transit score1
Bike score—

Historical trends

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Collier County contextmacro · jobs · debt · migration

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

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Naples Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Collier County