Real Estate Investing in Naples, Florida (34105)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 34105 (Naples, FL)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 33.1% of homes vacant — above national norms.
What’s happening in Naples, FL (34105)?
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Market Analysis: 34105 Naples
The 34105 ZIP covers a section of Naples that demands careful diligence. Prices near $451K look accessible, but the work to make a deal cash flow is real.
Stepping back, the numbers look inviting — $451K purchase price, 0.0% nominal cap — the work to hit that pro forma in 34105 is substantial and deserves full respect.
Regionally, 34105 sits on the difficult end of the FL spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.
Resident income in 34105 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
Distressed ZIPs reward experience. durable returns are possible in 34105, but they flow to investors who already understand how to operate in soft markets.
Here's what matters if you're considering buying a home in Naples:
Property Strategy for 34105
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $172,858 | $2,100 | 8.7% | +6.2% | $172,858 |
| 2BR | $279,806 | $2,320 | 6.0% | +6.3% | $139,903 |
| 3BR | $588,165 | $3,020 | 3.7% | +9.6% | $196,055 |
| 4BR | $1,316,325 | $3,280 | 1.8% | +12.4% | $329,081 |
| 5BR | $3,470,182 | — | — | +15.3% | $694,036 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 34105 Compare?
| Metric | 34105 | Naples | Naples-Marco Island, FL | Florida |
|---|---|---|---|---|
| Home Value | $451,248 | $595,849 | N/A | $374,697 |
| 5-Year CAGR | 5.0% | 5.0% | N/A | 7.4% |
| Avg Rent | $2,117 | $3,517 | N/A | - |
| Cap Rate | 3.7% | 4.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 34105 (Naples, FL). Anonymous, moderated, never written by AI.
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Property managers serving Collier County
Manage rentals here? List your business →Equity Property Management LLC manages apartments and offers services related to construction, tax credits, and investor relations. summary from their website
Sandcastle Community Management offers HOA and Condominium Management, professional maintenance, financial solutions, and real estate services in Florida, including Naples, Fort Myers, and Bonita Spri summary from their website
BZG International is a full-service Real Estate Brokerage Firm in Miami, FL, specializing in selling and leasing properties throughout South Florida, representing sellers, buyers, landlords, and tenan summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $451,248 |
| Monthly Rent | $2,117 |
| Price-to-Rent | 17.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.6% |
| Cap Rate | 3.7% |
| 5-Year IRR | 8.6% |
📈 Home Appreciation
| 1-Year | -1.5% ▼ |
| 3-Year CAGR | -3.6% ▼ |
| 5-Year CAGR | +5.0% ▲ |
| 10-Year CAGR | +4.5% ▲ |
🏠 Rent Trends
| 1-Year | -7.2% ▼ |
| 3-Year CAGR | -4.9% ▼ |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 34105
Population: 16,102
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 34105
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
CALUSA PARK ELEMENTARY SCHOOL
SEA GATE ELEMENTARY SCHOOL
GULF COAST CHARTER ACADEMY SOUTH
THE PHOENIX PROGRAM NAPLES
EAST NAPLES MIDDLE SCHOOL
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What do landlords charge for rent in Naples, FL?
Rent in Naples, FL is around $2,117/mo. The resulting rent-to-value relationship with $451K pricing is reasonable for most investor models.
How viable is house hacking in Naples, FL?
House hacking in Naples, FL is a challenging. With home values around $451K and rents at $2,117/mo, owner-occupants can offset a meaningful share of PITI.
Is vacancy a concern in Naples, FL?
Expect elevated vacancy in Naples, FL. Rents at $2,117/mo are absorbed by the tenant base without meaningful lag.
Are homes affordable in Naples, FL?
Naples, FL home values average about $451K. That price point suits investors targeting rentals with $2,117/mo in monthly income.
What type of investing works in Naples, FL?
Investors usually favor careful cash-flow rentals with hands-on management in Naples, FL. With home values at $451K and rents near $2,117/mo, other strategies can work but produce measured rather than outsized returns.
You know 34105 now. You don’t know where it ranks.
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How 34105 ranks in Naples-Marco Island, FL
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