ZIP 34109 vs ZIP 34117

34109 is one of 22 ZIP codes that lie mostly in Collier County, FL.

Shaded by typical home value, it ranks 8 of the 19 with a value.

8 school locations in 34109: 2 elementary, 1 middle, 4 high, 1 other.

In alphabetical order: AUBREY ROGERS HIGH SCHOOL, BARRON COLLIER HIGH SCHOOL, FLORIDA VIRTUAL COURSE OFFERINGS, HOSPITAL/HOMEBOUND, and more on the ZIP page. Locations only — no ratings are shown here.

34117 is one of 22 ZIP codes that lie mostly in Collier County, FL.

Shaded by typical home value, it ranks 9 of the 19 with a value.

1 school location in 34117: 1 elementary.

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

In January 2000 the typical home in 34109 was worth $196,657.

Values peaked at $658,843 in February 2024. The latest reading is −12.3% from that peak.

As of August 2026: $577,772, −1.9% over twelve months.

Start with the typical home: $577,772. Put 20% down and borrow $462,218 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,200 a month in principal and interest.

The median household here earns $91,073 a year, $7,589 a month. So the payment takes 42.2% 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 14.4% 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 $1,178.

In December 2020, with rates at 2.68%, it was $1,258.

By August 2026, at 6.67%, it was $2,972 — +136% since December 2020, while the home's value moved +49%.

Reported values rose +194% 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 $388,123. So the real change is +49%, not +194%.

34109: +194% since January 2000.

Collier County: +208% since January 2000.

Florida: +245% since January 2000 — 34109 ran behind it by 51 points.

Owning the typical home costs about $3,778 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,420 a month.

Price divided by a year's rent: 19.9. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 34117 was worth $130,793.

Values peaked at $585,311 in May 2024. The latest reading is −4.5% from that peak.

As of August 2026: $558,883, −1.3% over twelve months.

Start with the typical home: $558,883. Put 20% down and borrow $447,106 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,096 a month in principal and interest.

The median household here earns $106,155 a year, $8,846 a month. So the payment takes 35.0% of income — rated “stretched” (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 8.2% 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 $783.

In December 2020, with rates at 2.68%, it was $1,190.

By August 2026, at 6.67%, it was $2,875 — +142% since December 2020, while the home's value moved +52%.

Reported values rose +327% 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 $258,133. So the real change is +117%, not +327%.

34117: +327% since January 2000.

Collier County: +208% since January 2000.

Florida: +245% since January 2000 — 34117 ran ahead of it by 82 points.

Owning the typical home costs about $3,655 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,699 a month.

Price divided by a year's rent: 17.3. 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 42 a month (Redfin, 3-month rolling data through August 2026). That is 75% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 189. That is 71% of the 2015–2019 level for the same months.

Going out — closed sales: about 54 a month. That is 87% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 12 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 54 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 49 — so sales ran at 110% of it, and below it in 21 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 26 a month (Redfin, 3-month rolling data through August 2026). That is 90% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 115.

Going out — closed sales: about 27 a month.

The ladder: homes for sale ÷ monthly sales = 4.2 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 1 more homes sold than came on each month, so inventory is shrinking. The basin is draining.

Homes sold: about 27 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 21 — so sales ran at 129% of it, and below it in 11 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: 189 in June 2026.

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

County assessor records list 82 properties with a market value here. Their average assessed market value is $491,800; the typical home value is $577,772.

The assessor average sits −14.9% 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: 115 in June 2026.

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