Real Estate Investing in Naples, Florida (34119)

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

Collier County • Population: 35,914 • Data updated: September 2026

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Should you buy in 34119 (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: 20.9% of homes vacant — above national norms.

What’s happening in Naples, FL (34119)?

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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 $649,849
Avg Monthly Rent $2,804
1% Rule ✗ Does Not Meet
Median Income $105,263
% Renters 17.0%

Market Analysis: 34119 Naples

The 34119 ZIP covers a section of Naples that demands careful diligence. Prices near $650K look accessible, but the work to make a deal cash flow is real.

For an experienced owner, 34119 can be a a viable market for hunting ground — but the discount at $650K reflects genuine risk that outside investors often underestimate.

In the broader FL picture, 34119 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Employment concentration in 34119 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Naples's stable or hybrid ZIPs before stepping into 34119. The learning curve here is expensive when the lesson is wrong.

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 6.2× the median income
Value Trend
Declining (-2.7%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,804/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 34119

Which property type performs best in this market?

Best for Cash Flow
2BR
3.8% cap rate
Best for Appreciation
4BR
+11.0% 5yr CAGR
Best Overall Value
2BR
$200,249/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $400,498 $2,120 3.8% +8.8% $200,249
3BR $622,691 $2,760 3.2% +9.7% $207,564
4BR $1,047,479 $3,000 2.1% +11.0% $261,870
5BR $1,241,273 +10.8% $248,255

Market Trends

Home Value History (with trend line)

$766K$665K$563K$462K$361K$259KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$3,089$2,725$2,361$1,998$1,634$1,270Jul 2016Jul 2021Jul 2026

📊 How Does 34119 Compare?

Metric 34119 Naples Naples-Marco Island, FL Florida
Home Value $649,849 $595,849 N/A $374,697
5-Year CAGR 5.4% 5.0% N/A 7.4%
Avg Rent $2,804 $3,517 N/A -
Cap Rate 3.4% 4.2% - -
💡 Why Invest in 34119? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 34119 (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

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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
3.4%
Low
5yr Growth
+5.4%
Moderate

📊 Market Snapshot

Home Value $649,849
Monthly Rent $2,804
Price-to-Rent 19.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.2%
Cap Rate 3.4%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year -2.7% ▼
3-Year CAGR -3.3% ▼
5-Year CAGR +5.4% ▲
10-Year CAGR +4.6% ▲

🏠 Rent Trends

1-Year +5.0% ▲
3-Year CAGR +3.5% ▲
5-Year CAGR +7.1% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 3.4%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.4%). 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
20.9%
Elevated risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+5.4%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 34119

Population: 35,914

💰 Median Household Income
$105,263
This area
$105,263
State
$70,737
USA
$74,580
🏠 Renter Occupied
17.0%
This area
17.0%
State
29.9%
USA
34.0%
💼 Unemployment Rate
2.3%
This area
2.3%
State
-18.0%
USA
3.7%
🎓 College Educated
51.1%
This area
51.1%
State
4.7%
USA
33.7%
👤 Median Age
54.0 years
This area
54.0 years
State
16.0 years
USA
38.9 years
🏚️ Vacancy Rate
20.9%
This area
20.9%
State
17.2%
USA
10.5%
👥 Population by Ethnicity
White 83.6%
Other/Mixed 13.8%
Hispanic/Latino 10.9%
Black/African American 1.3%
Asian 1.3%
👶 Under 18
19.8%
This area
19.8%
USA
22.0%
👴 65 and Over
33.2%
This area
33.2%
USA
17.3%
📊 Poverty Rate
3.9%
This area
3.9%
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 34119

B Avg School Grade
5 Schools
17.5:1 Avg Class Size
$15,281 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

VINEYARDS ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
830 Students
👨‍🏫
14.4:1 Class Size
💰
$15,281 Per Student
B+ Above Average

LAUREL OAK ELEMENTARY SCHOOL

📚 Pre-K – 05 Elementary
👥
1,142 Students
👨‍🏫
14.2:1 Class Size
💰
$15,281 Per Student
B Good

NAPLES CLASSICAL ACADEMY

📚 K – 12 K-12 Charter
👥
929 Students
👨‍🏫
15.5:1 Class Size
💰
$15,281 Per Student
B Good

OAKRIDGE MIDDLE SCHOOL

📚 06 – 08 Middle
👥
1,219 Students
👨‍🏫
20.3:1 Class Size
💰
$15,281 Per Student
C+ Average

GULF COAST HIGH SCHOOL

📚 09 – 12 High School
👥
1,831 Students
👨‍🏫
23.1:1 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

4 Nearby 1,584 Off-Campus Students
C
Ave Maria School of Law
273 students · 2.0 mi
C
Cozmo Beauty School
68 students · 6.0 mi
C+
Lorenzo Walker Technical College
767 students · 9.2 mi
C+
Florida Gulf Coast University
16,167 students · 14.1 mi

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

Frequently Asked Questions

How much should I expect to pay for a home in Naples, FL?

Homes in Naples, FL typically sell near $650K. Prices have moved at a 0.0% 5-year CAGR, which reliable long-term demand.

What kind of tenants rent in Naples, FL?

Naples, FL draws a measured base of working renters. Demand at the $2,804/mo rent level is reasonable for standard single-family and small multi rentals.

Can I live-in-and-rent in Naples, FL?

For house hackers, Naples, FL is a challenging. The $2,804/mo rent on a unit helps defray the mortgage on a $650K property.

How much is rent in Naples, FL?

Rent in Naples, FL is around $2,804/mo. The resulting rent-to-value relationship with $650K pricing is reasonable for most investor models.

What is the typical vacancy rate in Naples, FL?

Naples, FL sees elevated vacancy, which is reasonable relative to the broader FL rental market.

You know 34119 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 34119 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 34119 ranks in Naples-Marco Island, FL

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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