Real Estate Investing in Naples, Florida (34110)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Collier County • Population: 24,681 • Data updated: September 2026

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Should you buy in 34110 (Naples, FL)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (45/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 29.7% of homes vacant — above national norms.

What’s happening in Naples, FL (34110)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $601,585
Avg Monthly Rent $2,423
1% Rule ✗ Does Not Meet
Median Income $90,006
% Renters 26.8%

Market Analysis: 34110 Naples

The 34110 ZIP in Naples, FL is a local-operator market. Outside capital chasing a $602K entry has to pair deep knowledge with the discount.

For an experienced owner, 34110 can be a worth a close look for hunting ground — but the discount at $602K reflects genuine risk that outside investors often underestimate.

Looking more closely, 34110 offers a low basis, the region around Naples has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Who lives in 34110 is part of why the ZIP is priced as it is. The demographic profile requires hands-on management, tight screening, and local knowledge.

Experienced landlords with local relationships tend to find 34110 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Naples:

C+ Average
Buy Confidence Score: 65/100
Affordability
5/25
Appreciation
22/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6.7× the median income
Value Trend
Declining (-1.1%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,423/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
Naples-Marco Island, FL Metro Area
More inventory, negotiating room for buyers
121 days
Average time to sell
Slow
4.5%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Naples-Marco Island, FL metro data
🏠

Property Strategy for 34110

Which property type performs best in this market?

Best for Cash Flow
2BR
4.8% cap rate
Best for Appreciation
4BR
+13.7% 5yr CAGR
Best Overall Value
2BR
$168,392/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $336,783 $2,230 4.8% +6.9% $168,392
3BR $736,866 $2,900 2.8% +9.9% $245,622
4BR $1,804,824 $3,160 1.3% +13.7% $451,206
5BR $1,925,519 +12.5% $385,104

Market Trends

Home Value History (with trend line)

$712K$617K$522K$426K$331K$236KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,076$2,921$2,767$2,613$2,459$2,305Dec 2021Apr 2024Jul 2026

📊 How Does 34110 Compare?

Metric 34110 Naples Naples-Marco Island, FL Florida
Home Value $601,585 $595,849 N/A $374,697
5-Year CAGR 5.1% 5.0% N/A 7.4%
Avg Rent $2,423 $3,517 N/A -
Cap Rate 3.1% 4.2% - -
💡 Why Invest in 34110? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 34110 (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

Small multifamily
Unclaimed — is this your business? Claim it free

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

HOA
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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

Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+5.1%
Moderate

📊 Market Snapshot

Home Value $601,585
Monthly Rent $2,423
Price-to-Rent 20.7:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.8%
Cap Rate 3.1%
5-Year IRR 8.3%

📈 Home Appreciation

1-Year -1.1% ▼
3-Year CAGR -3.4% ▼
5-Year CAGR +5.1% ▲
10-Year CAGR +4.5% ▲

🏠 Rent Trends

1-Year -12.9% ▼
3-Year CAGR -4.1% ▼
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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.

Vacancy
29.7%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.1%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34110

Population: 24,681

💰 Median Household Income
$90,006
This area
$90,006
State
$70,737
USA
$74,580
🏠 Renter Occupied
26.8%
This area
26.8%
State
29.9%
USA
34.0%
💼 Unemployment Rate
0.6%
This area
0.6%
State
-18.0%
USA
3.7%
🎓 College Educated
52.6%
This area
52.6%
State
4.7%
USA
33.7%
👤 Median Age
63.8 years
This area
63.8 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
29.7%
This area
29.7%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 88.2%
Other/Mixed 8.2%
Hispanic/Latino 6.5%
Asian 1.8%
Black/African American 1.7%
👶 Under 18
11.6%
This area
11.6%
USA
22.0%
👴 65 and Over
48.8%
This area
48.8%
USA
17.3%
📊 Poverty Rate
3.7%
This area
3.7%
USA
11.5%

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 34110

B Avg School Grade
3 Schools
19.2:1 Avg Class Size
$15,281 Avg Per Pupil

Schools in This ZIP Code

A Very Good

VETERANS MEMORIAL ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
753 Students
👨‍🏫
14.8:1 Class Size
💰
$15,281 Per Student
B Good

NORTH NAPLES MIDDLE SCHOOL

📚 06 – 08 Middle
👥
885 Students
👨‍🏫
19.9:1 Class Size
💰
$15,281 Per Student
C+ Average

AUBREY ROGERS HIGH SCHOOL

📚 09 – 12 High School
👥
1,215 Students
👨‍🏫
22.8:1 Class Size
💰
$15,281 Per Student
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

5 Nearby 1,584 Off-Campus Students
C
Cozmo Beauty School
68 students · 2.4 mi
C
Ave Maria School of Law
273 students · 5.0 mi
C+
Lorenzo Walker Technical College
767 students · 10.8 mi
C+
Florida Gulf Coast University
16,167 students · 11.6 mi
C+
Paul Mitchell the School-Fort Myers
108 students · 13.8 mi

Investor Insight: With 1,584 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the typical renter like in Naples, FL?

Working renters make up the core of the Naples, FL tenant base. The pool is reasonable for investors targeting long-term holds.

Is Naples, FL suited for a house hack?

The house hack math a challenging in Naples, FL. Owner-occupant buyers benefit from the $2,423/mo rents and $602K home values.

How do home values compare in Naples, FL?

Typical homes in Naples, FL go for around $602K. The 5-year CAGR of 0.0% steady price movement.

How much rent can I charge in Naples, FL?

Expect rents around $2,423/mo per month in Naples, FL. With home values at $602K, the yield math works out to reasonable levels for rental investors.

Does Naples, FL make sense for an investment property?

Naples, FL rates 3.0/5 for investability. With median values at $602K and rents near $2,423/mo, the market offers reasonable fundamentals for rental investors.

You know 34110 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 34110 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 34110 ranks in Naples-Marco Island, FL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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