Naples 34103

Naples-Marco Island, FL · Collier County, FL · 11,092 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

3affordability /100

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

Payment burden
58.9%
severe
Days on market
98
daily
Price cuts
21.4%
of active
Valuation
-36.8%
vs assessor
Look up an address
11
/100
distressed
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

70/ 100SellerBalancedBuyer
Negotiate Hard
Needs 49.1% correction for affordability
DOM: 105d (falling) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)100
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 34103. Room to negotiate 5-10% below list. Payment burden: 59.0% of median income. A 41% price correction needed to reach 30% affordability threshold. Median days on market: 105. Renting is approximately 62% cheaper than buying (price-to-rent ratio: 19.4).

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 5.2% YoY.

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Market snapshoteach number, once

Median price
$1,120,321
▾ 5.2% YoY
Days on market
98
daily · zip_data
Median rent
$4,817
ZORI
Investor score
40/100
cash-flow lens
Active listings
303
90-day

Valuation3 lenses, different anchors

vs assessor
-36.8%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$708,250
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$641
Price-to-income9.7×

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How 34103 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

15SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply42.3 mo
Days on Market98d
Inv vs History-22.9%
Listing Density56.2/1k
Market dynamics
Price cut %21.4%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply42.3
Sales (90d)0
Investment analysis
Median rent$4,817
Price-to-rent19.4
Est. cap rate3.4%
Buy vs rentneutral

Livability

Walk score1
Transit score—
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