Marco Island 34145

Naples-Marco Island, FL · Collier County, FL · 20,495 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

17affordability /100

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

Payment burden
50.2%
severe
Days on market
100
daily
Price cuts
23.9%
of active
Valuation
-40.3%
vs assessor
Look up an address
27
/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 40.2% correction for affordability
DOM: 78d (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 34145. Room to negotiate 5-10% below list. Payment burden: 50.3% of median income. A 30% price correction needed to reach 30% affordability threshold. Median days on market: 78. Renting is approximately 14% cheaper than buying (price-to-rent ratio: 13.7).

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 1.3% YoY.

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Market snapshoteach number, once

Median price
$862,917
▾ 1.3% YoY
Days on market
100
daily · zip_data
Median rent
$5,267
ZORI
Investor score
72/100
cash-flow lens
Active listings
418
90-day

Valuation3 lenses, different anchors

vs assessor
-40.3%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$515,150
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$489
Price-to-income8.3×

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How 34145 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 Supply32.7 mo
Days on Market100d
Inv vs History-30.7%
Listing Density50.5/1k
Market dynamics
Price cut %23.9%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply32.7
Sales (90d)0
Investment analysis
Median rent$5,267
Price-to-rent13.7
Est. cap rate4.8%
Buy vs rentfavors buying

Livability

Walk score7
Transit score1
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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