Naples 34108

Naples-Marco Island, FL · Collier County, FL · 15,471 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

16affordability /100

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

Payment burden
50.7%
severe
Days on market
85
daily
Price cuts
22.7%
of active
Valuation
-33.2%
vs assessor
Look up an address
13
/100
distressed
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 / sellerbuyer-timing lens

60/ 100SellerBalancedBuyer
Negotiate Hard
Needs 40.8% correction for affordability
DOM: 67d (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%)50
Days on Market (5%)75

Moderate buyer leverage in 34108. Room to negotiate 5-10% below list. Payment burden: 50.7% of median income. A 31% price correction needed to reach 30% affordability threshold. Median days on market: 67. Renting is approximately 5% cheaper than buying (price-to-rent ratio: 12.6).

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.
COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers. Prices down 5.6% YoY.

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Market snapshoteach number, once

Median price
$1,004,393
▾ 5.6% YoY
Days on market
85
daily · zip_data
Median rent
$6,667
ZORI
Investor score
66/100
cash-flow lens
Active listings
409
90-day

Valuation3 lenses, different anchors

vs assessor
-33.2%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$671,350
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$585
Price-to-income8.4×

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How 34108 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 Supply31.0 mo
Days on Market85d
Inv vs History-15.2%
Listing Density48.6/1k
Market dynamics
Price cut %22.7%
Momentumcooling
LeverageBALANCED
Months of supply31
Sales (90d)0
Investment analysis
Median rent$6,667
Price-to-rent12.6
Est. cap rate5.2%
Buy vs rentfavors buying

Livability

Walk score4
Transit score
Bike score

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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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