How much is a home worth in ZIP code 34109?

The typical home in 34109 is worth $588,290, based on the Zillow Home Value Index.

Are home values rising in 34109?

Home values in 34109 are down 4.5% over the past year, and up 7.4% a year over five years.

What is the typical rent in 34109?

A typical home in 34109 rents for about $2,748 a month, a gross rental yield of 5.6%.

What is the property tax rate in 34109?

The effective property tax rate in 34109 is 0.6% — roughly $3,436 a year on a typical home.

ZIP code 34109 has a population of 27,273 and a median household income of $92,259.

HousingHandbookReference data

…

U.S. ZIP Code · FL34109

Collier County · Naples-Marco Island, FL

Typical home value

$588,290^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: -4.5%
5-year / yr: +7.4%
10-year / yr: +4.4%

Relative price

vs U.S.: +107.1%
vs metro: +6.7%
vs state: +69.6%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 34109 is worth $588,290 — 6.7% above the Naples-Marco Island, FL median. Over the past year, values have fallen 4.5%. Homes here rent for a typical $2,748 a month — a 5.6% gross rental yield. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $2,748^[2]
Gross yield: 5.6%^[2]
Cap rate: 3.4%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.6%^[3]
Typical annual tax: $3,436^[3]

#Climate risk

FEMA National Risk Index ratings for Collier County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively High^[4]
Riverine flood: Relatively High
Coastal flood: Very High
Wildfire: Relatively Moderate
Drought: Relatively Moderate
Heat wave: Relatively Moderate
Hurricane: Very High
Tornado: Relatively Moderate
Earthquake: Very Low
Winter weather: No Rating

#Who lives here

Population: 27,273^[3]
Median household income: $92,259^[3]

#Migration

Household moves in and out of Collier County over a year, from IRS tax-return data.

Net migration: +686^[5]
Moved in: 13,744
Moved out: 13,058

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 6
Elementary: 2
Middle: 1
High: 2

BARRON COLLIER HIGH SCHOOL
High · Grades 9–12 · COLLIER
1,532 students
PINE RIDGE MIDDLE SCHOOL
Middle · Grades 6–8 · COLLIER
836 students
PELICAN MARSH ELEMENTARY SCHOOL
Elementary · Grades PK–5 · COLLIER
690 students
OSCEOLA ELEMENTARY SCHOOL
Elementary · Grades PK–5 · COLLIER
574 students
FLORIDA VIRTUAL COURSE OFFERINGS
High · Grades 9–12 · COLLIER
0 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield5.6%

Net yield (after ~40% expenses)3.4%

Annual rent$32,973

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,975

Loan principal$470,632

Down payment$117,658

Total interest paid$600,265

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.36

Monthly cost to own$3,749

Monthly rent$2,748

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 82nd percentile^[1]
Rental yield: 9th percentile^[2]
Property tax: 44th percentile^[3]

Frequently asked

How much is a home worth in ZIP code 34109?: The typical home in 34109 is worth $588,290, based on the Zillow Home Value Index.
Are home values rising in 34109?: Home values in 34109 are down 4.5% over the past year, and up 7.4% a year over five years.
What is the typical rent in 34109?: A typical home in 34109 rents for about $2,748 a month, a gross rental yield of 5.6%.
What is the property tax rate in 34109?: The effective property tax rate in 34109 is 0.6% — roughly $3,436 a year on a typical home.
Who lives in 34109?: ZIP code 34109 has a population of 27,273 and a median household income of $92,259.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

34140 vs 34109 →
Marco Island, FL
Typical home
$595,842
Gross yield
—
34110 vs 34109 →
Bonita Springs, FL
Typical home
$598,455
Gross yield
5.7%
34117
FL
Typical home
$563,138
Gross yield
5.8%
34120
Orangetree CDP, FL
Typical home
$551,210
Gross yield
6.5%
34119
Vineyards CDP, FL
Typical home
$651,397
Gross yield
5.2%
34114
Winding Cypress CDP, FL
Typical home
$510,748
Gross yield
7.2%

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Pit ZIP 34109 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · FL34109

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