ZIP 34110

34110 is one of 22 ZIP codes that lie mostly in Collier County, FL — 95% of its own area is in the county.

Shaded by typical home value, it ranks 6 of the 19 with a value.

2 school locations in 34110: 1 elementary, 1 middle.

In alphabetical order: NORTH NAPLES MIDDLE SCHOOL, VETERANS MEMORIAL ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 34110 was worth $212,200.

Values peaked at $690,105 in March 2024. The latest reading is −13.7% from that peak.

As of August 2026: $595,496, −2.5% over twelve months.

Start with the typical home: $595,496. Put 20% down and borrow $476,397 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,298 a month in principal and interest.

The median household here earns $95,275 a year, $7,940 a month. So the payment takes 41.5% 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 14.8% 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 $1,271.

In December 2020, with rates at 2.68%, it was $1,333.

By August 2026, at 6.67%, it was $3,064 — +130% since December 2020, while the home's value moved +45%.

Reported values rose +181% 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 $418,799. So the real change is +42%, not +181%.

34110: +181% since January 2000.

Collier County: +208% since January 2000.

Florida: +245% since January 2000 — 34110 ran behind it by 64 points.

Owning the typical home costs about $3,894 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,632 a month.

Price divided by a year's rent: 18.9. 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 51 a month (Redfin, 3-month rolling data through August 2026). That is 73% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 278. That is 67% of the 2015–2019 level for the same months.

Going out — closed sales: about 54 a month. That is 70% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.1 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 3 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 60 — so sales ran at 90% of it, and below it in 24 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: 278 in June 2026.

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

County assessor records list 107 properties with a market value here. Their average assessed market value is $917,700; the typical home value is $595,496.

The assessor average sits +54.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.