Marco Island 34145

Naples-Marco Island, FL · Collier County, FL · 20,495 properties · updated 7/26/2026

Should you buy here?buyer-timing lens

17affordability /100

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

Payment burden

50.8%

severe

Days on market

100

daily

Price cuts

19.2%

of active

Valuation

-39.6%

vs assessor

Look up an address

/100

weak

cooling · balanced · prices rising 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

Negotiate Hard

Needs 40.9% 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: 49.8% 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.

COOLINGBALANCED

Market is cooling with expanding inventory. Conditions are balanced between buyers and sellers.

Address lookup$99 report path

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<iframe src="https://lotvox.com/embed/zip/34145" width="100%" height="300" style="border:0;border-radius:12px;overflow:hidden;max-width:640px" loading="lazy" title="Marco Island 34145 — Lotvox market card"></iframe>
<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/naples/zip/34145?utm_source=embed&utm_medium=backlink">Marco Island 34145 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshoteach number, once

Median price

$852,380

▴ 0.0% YoY

Days on market

100

daily · zip_data

Median rent

$3,283

ZORI

Investor score

72/100

cash-flow lens

Active listings

418

90-day

Valuation3 lenses, different anchors

vs assessor

-39.6%

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

+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$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-31.0%

Listing Density50.5/1k

Market dynamics

Price cut %19.2%

Momentumcooling

LeverageBALANCED

Months of supply32.7

Sales (90d)0

Investment analysis

Median rent$3,283

Price-to-rent13.7

Est. cap rate4.8%

Buy vs rentfavors renting

Livability

Walk score7

Transit score1

Bike score—

Historical trends

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Price bandsmix-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 34145.

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.

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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.

ZIP 34145→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 Burden34

39.8%

severe

Source: Lotvox · Updated 2026-05-15

Buy vs Rent34

1.492x

rent advantage

Source: Lotvox · Updated 2026-05-15

Valuation7

+54.4%

overvalued

Source: Lotvox comps · Updated 2026-05-15