ZIP 34102 vs ZIP 34103

34102 is one of 22 ZIP codes that lie mostly in Collier County, FL.

Shaded by typical home value, it ranks 1 of the 19 with a value.

3 school locations in 34102: 1 elementary, 1 middle, 1 high.

In alphabetical order: GULFVIEW MIDDLE SCHOOL, LAKE PARK ELEMENTARY SCHOOL, NAPLES HIGH SCHOOL. Locations only — no ratings are shown here.

34103 is one of 22 ZIP codes that lie mostly in Collier County, FL.

Shaded by typical home value, it ranks 2 of the 19 with a value.

1 school location in 34103: 1 elementary.

In alphabetical order: SEA GATE ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34102 was worth $340,175.

Values peaked at $1,550,399 in August 2022. The latest reading is −17.2% from that peak.

As of August 2026: $1,284,426, +0.8% over twelve months.

Start with the typical home: $1,284,426. Put 20% down and borrow $1,027,541 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $7,114 a month in principal and interest.

The median household here earns $115,927 a year, $9,661 a month. So the payment takes 73.6% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 19.5% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $2,037.

In December 2020, with rates at 2.68%, it was $2,940.

By August 2026, at 6.67%, it was $6,608 — +125% since December 2020, while the home's value moved +41%.

Reported values rose +278% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $671,370. So the real change is +91%, not +278%.

34102: +278% since January 2000.

Collier County: +208% since January 2000.

Florida: +245% since January 2000 — 34102 ran ahead of it by 33 points.

Owning the typical home costs about $8,399 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $7,151 a month.

Price divided by a year's rent: 15.0. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34103 was worth $309,246.

Values peaked at $1,388,779 in August 2022. The latest reading is −21.1% from that peak.

As of August 2026: $1,095,782, −1.8% over twelve months.

Start with the typical home: $1,095,782. Put 20% down and borrow $876,626 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $6,070 a month in principal and interest.

The median household here earns $115,262 a year, $9,605 a month. So the payment takes 63.2% of income — rated “severe” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 17.8% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,852.

In December 2020, with rates at 2.68%, it was $2,548.

By August 2026, at 6.67%, it was $5,637 — +121% since December 2020, while the home's value moved +39%.

Reported values rose +254% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $610,329. So the real change is +80%, not +254%.

34103: +254% since January 2000.

Collier County: +208% since January 2000.

Florida: +245% since January 2000 — 34103 ran ahead of it by 9 points.

Owning the typical home costs about $7,165 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $7,431 a month.

Price divided by a year's rent: 12.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 38 a month (Redfin, 3-month rolling data through August 2026). That is 97% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 280. That is 92% of the 2015–2019 level for the same months.

Going out — closed sales: about 38 a month. That is 98% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 7.3 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 38 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 27 — so sales ran at 141% of it, and below it in 15 of the last 24 months.

Across Collier County, builders pulled permits for 2,736 new homes in 2025.

Of those, 71% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 38 a month (Redfin, 3-month rolling data through August 2026). That is 102% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 227. That is 96% of the 2015–2019 level for the same months.

Going out — closed sales: about 37 a month. That is 81% of the 2015–2019 level for the same months. The drain is drawn 13% narrower: the share of homes for sale that sell each month is 87% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 6.2 months of supply — above the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 1 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 37 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 33 — so sales ran at 112% of it, and below it in 19 of the last 24 months.

Across Collier County, builders pulled permits for 2,736 new homes in 2025.

Of those, 71% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Collier County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,495 moved in. Among the ten receiving the most, 4,715 moved out.

Net across those counties: −220 households. Beside it, homes for sale in this ZIP: 280 in June 2026.

Most arrivals came from Lee, FL (1,925 households); most departures went to Lee, FL (2,781).

County assessor records list 83 properties with a market value here. Their average assessed market value is $1,166,256; the typical home value is $1,284,426.

The assessor average sits −9.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Collier County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 4,495 moved in. Among the ten receiving the most, 4,715 moved out.

Net across those counties: −220 households. Beside it, homes for sale in this ZIP: 227 in June 2026.

Most arrivals came from Lee, FL (1,925 households); most departures went to Lee, FL (2,781).

County assessor records list 60 properties with a market value here. Their average assessed market value is $708,250; the typical home value is $1,095,782.

The assessor average sits −35.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.