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Florida Housing Data · ZIP Scorecard

Naples, FL (34104) housing scorecard.

Home value, rent, cap rate, 5-year growth, price versus incomes and our 0 to 100 Momentum Market Score for ZIP 34104, free, from Zillow, Realtor.com and Census data.

Sources: Zillow, Realtor.com, U.S. Census, Freddie Mac/FRED. Score by Momentum Realty (methodology).
Updated 2026-08-01
43/ 100
Momentum Market Score
Seller-favored
Naples, FL (34104) is pricey against incomes with thin buyer leverage.

At about 5.0 times the local median income, prices sit close to the Florida norm. Gross rent yield is around 7.75%. Values are up roughly 5.3% a year over the last five years. Owning the typical home at today's 6.52% 30-year rate takes about 30.4% of a median income in principal and interest, the affordability squeeze in one number. About 22.6% of listings have cut their price.

$351,377
Home value
1yr -4.6%
5.3%
5yr growth/yr
ZHVI CAGR
$2,268
Median rent
monthly (ZORI)
7.75%
Cap rate
gross yield
5.0x
Price to income
value vs incomes
-0.0%
Over/undervalued
vs FL norm
30.4%
Affordability
income to own/yr
103
Days on market
median (Realtor)
22.6%
Price cuts
share of listings
$70,301
Median income
household (Census)
25,873
Population
Census ACS
40
New listings
last month

Typical home value, last 13 months

What drives the score

Cheapness vs income50
Price-cut leverage31
Inventory growth15
Affordability50
Rent yield74

Each bar ranks this ZIP against every other Florida ZIP (0 = lowest, 100 = highest) on that input, then weighted into the score. Full methodology.

Collier County scorecardAll Florida counties

Common questions

Is Naples, FL (34104) a buyer's or seller's market?

By the Momentum Market Score, Naples, FL (34104) reads seller-favored (43 out of 100), meaning it is pricey against incomes with thin buyer leverage. The score blends value versus incomes, price cuts, inventory growth, affordability and rent yield.

What is the typical home value in Naples?

About $351,377 (Zillow Home Value Index, 2026-08-01), up roughly 5.3% a year over five years.

Where does this data come from?

Zillow Research (home value, rent), Realtor.com (days on market, listings), U.S. Census (income, population), Freddie Mac via FRED (rate). Score and derived metrics by Momentum Realty, methodology here.

Data: Zillow Research, Realtor.com, U.S. Census Bureau ACS, and Freddie Mac 30-Year Fixed Rate Mortgage Average [MORTGAGE30US] via FRED. Score by Momentum Realty.

Housing distress & ownership in ZIP 34104

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 3 listings
Months of supply
0.1
seller’s market · active inventory ÷ sales pace (trailing 12 mo)
Out-of-state owners
27.2%
mailing address outside FL
Non-homestead
58.0%
not owner-occupied (investor/2nd-home proxy)
Median just value
$316,030
14,672 parcels
Median owner tenure
1 yrs
years since the home last sold (county tax roll)
Owners at 2× their price
1.6%
today’s just value is at least double the last sale price
Median closed sale price — $392,500 · ▲ 4.7% yr (12-mo rolling)
Distress share trend — 0.0% now (2026-08-12 → 2026-08-14)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Listing information provided by the Florida Gulf Coast Multiple Listing Service, Inc. Information is deemed reliable but not guaranteed by the MLS to be accurate. Deemed reliable but not guaranteed.

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