ZIP 34103 vs ZIP 34108

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.

34108 is one of 22 ZIP codes that lie mostly in Collier County, FL.

Shaded by typical home value, it ranks 3 of the 19 with a value.

1 school location in 34108: 1 elementary.

In alphabetical order: NAPLES PARK ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

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.

In January 2000 the typical home in 34108 was worth $326,824.

Values peaked at $1,248,473 in August 2022. The latest reading is −20.5% from that peak.

As of August 2026: $992,688, −1.9% over twelve months.

Start with the typical home: $992,688. Put 20% down and borrow $794,150 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $5,499 a month in principal and interest.

The median household here earns $120,187 a year, $10,016 a month. So the payment takes 54.9% 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 18.1% 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 $1,957.

In December 2020, with rates at 2.68%, it was $2,349.

By August 2026, at 6.67%, it was $5,107 — +117% since December 2020, while the home's value moved +37%.

Reported values rose +204% 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 $645,021. So the real change is +54%, not +204%.

34108: +204% since January 2000.

Collier County: +208% since January 2000.

Florida: +245% since January 2000 — 34108 ran behind it by 41 points.

Owning the typical home costs about $6,491 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $7,184 a month.

Price divided by a year's rent: 11.5. 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 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).

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 40 a month (Redfin, 3-month rolling data through August 2026). That is 77% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 261. That is 82% of the 2015–2019 level for the same months.

Going out — closed sales: about 52 a month. That is 84% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.0 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 13 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 52 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 47 — so sales ran at 111% 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: 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.

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: 261 in June 2026.

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

County assessor records list 130 properties with a market value here. Their average assessed market value is $671,350; the typical home value is $992,688.

The assessor average sits −32.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.