Lotvox market story · compare
ZIP 34140 vs ZIP 34109
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Who's going to sell
Turnover Index not published for 34140 yet.
Where
34140 in Collier County, FL
34140 is one of 22 ZIP codes that lie mostly in Collier County, FL.
Shaded by typical home value, it ranks 7 of the 19 with a value.
- Value rank in county
- 7 of 19
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Turnover Index not published for 34109 yet.
Where
34109 in Collier County, FL
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.
- Value rank in county
- 8 of 19
Source: U.S. Census Bureau, TIGER/Line boundaries; Zillow Home Value Index (ZHVI), Zillow Research
Local life
Schools in 34109
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.
- School locations
- 8
Source: U.S. Department of Education, National Center for Education Statistics (school locations)
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What it costs
Home values
What homes are worth in 34140
In January 2000 the typical home in 34140 was worth $140,344.
Values peaked at $685,204 in May 2024. The latest reading is −13.3% from that peak.
As of August 2026: $594,099, −1.9% over twelve months.
- Typical home value
- $594,099
- 12-month change
- −1.9%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
Start with the typical home: $594,099. Put 20% down and borrow $475,279 at 7.40%, the 30-year fixed average as of October 8, 2026.
That is $3,291 a month in principal and interest.
The median household here earns $82,011 a year, $6,834 a month. So the payment takes 48.2% 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 11.4% in 2000.
- Payment share of income
- 48.2%
- Monthly P&I
- $3,291
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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 $840.
In December 2020, with rates at 2.68%, it was $1,292.
By August 2026, at 6.67%, it was $3,056 — +137% since December 2020, while the home's value moved +49%.
- Payment change since 2020
- +137%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Reported values rose +323% 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 $276,983. So the real change is +114%, not +323%.
- Real change since 2000
- +114%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
34140 against its neighbors
34140: +323% since January 2000.
Collier County: +208% since January 2000.
Florida: +245% since January 2000 — 34140 ran ahead of it by 78 points.
- Change since 2000
- +323%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
Owning the typical home costs about $3,885 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,862 a month.
Price divided by a year's rent: 26.6. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.
- Price-to-rent
- 26.6
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Census Bureau, American Community Survey 5-year estimates; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
Home values
What homes are worth in 34109
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.
- Typical home value
- $577,772
- 12-month change
- −1.9%
Source: Zillow Home Value Index (ZHVI), Zillow Research · data as of 2026-08-31
Housing pulse
Monthly cost vs. price
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.
- Payment share of income
- 42.2%
- Monthly P&I
- $3,200
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; U.S. Census Bureau, American Community Survey 5-year estimates; Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Lotvox lens
The payment, at each month's rate
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%.
- Payment change since 2020
- +136%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Home value after inflation
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
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%.
- Real change since 2000
- +49%
Source: Zillow Home Value Index (ZHVI), Zillow Research; U.S. Bureau of Labor Statistics, Consumer Price Index (CPI-U), via FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Deflated with CPI-U (seasonally adjusted, FRED CPIAUCSL) to August 2026; the site's Housing pulse chart uses its own CPI series, so older months can differ slightly.
Home values
34109 against its neighbors
34109: +194% since January 2000.
Collier County: +208% since January 2000.
Florida: +245% since January 2000 — 34109 ran behind it by 51 points.
- Change since 2000
- +194%
Source: Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above) · data as of 2026-08
Lotvox lens
Rent or own
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.
- Price-to-rent
- 19.9
Source: Zillow Home Value Index (ZHVI), Zillow Research; Zillow Observed Rent Index (ZORI), Zillow Research; Freddie Mac, 30-Year Fixed Rate Mortgage Average in the United States (MORTGAGE30US), retrieved from FRED®, Federal Reserve Bank of St. Louis; Lotvox analysis (calculations on the sources above)
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What's moving
Housing pulse
Sales pace vs. normal
Homes sold: about 0 a month in August 2026 (Redfin).
The 2015–2019 level for the same month was 1 — so sales ran at 0% of it, and below it in 8 of the last 24 months.
- Sales vs 2015–19 level
- 0%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 2,736
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
Housing pulse
Listings Flow Ladder
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.
- Months of supply
- 3.5
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08-31
Housing pulse
Sales pace vs. normal
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.
- Sales vs 2015–19 level
- 110%
Source: Redfin Data Center (market tracker data); Lotvox analysis (calculations on the sources above) · data as of 2026-08
New supply
Homes being permitted
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).
- Units permitted 2025
- 2,736
Source: U.S. Census Bureau, Building Permits Survey · data as of 2025
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Who's holding, who's leaving
Housing pulse
Migration and inventory
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: 7 in June 2026.
Most arrivals came from Lee, FL (1,925 households); most departures went to Lee, FL (2,781).
- Net households (top-10 flows)
- −220
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
Housing pulse
Migration and inventory
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).
- Net households (top-10 flows)
- −220
Source: IRS Statistics of Income, county-to-county migration data; Redfin Data Center (market tracker data) · data as of 2026-06-01
County records
On the county rolls
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.
- Properties on the roll
- 82
Source: County assessor and recorder public records; Zillow Home Value Index (ZHVI), Zillow Research; Lotvox analysis (calculations on the sources above)