ZIP Code · FL

ZIP 34104

Part of Naples, FL

Pop. 26,408·Collier County·215th most expensive ZIP in Florida

Median rent (all units)

$2,298/mo

Year-over-Year

+2.2%

Month-over-Month

+0.2%

vs US Median

+$366

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 34104 · $2,298

More expensive than 74% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,390

1 BR

$1,790

2 BR

$1,980

3 BR

$2,570

4 BR+

$2,800

Research median

$1,980/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

June. Asking rents in ZIP 34104 usually run 1.8% below trend in June and 1.9% above it in February, about $85 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 34104 is 3.7% below its high of $2,386 in July 2024, at $2,298 as of September 2026.

Past year vs. the rest of Florida

Rent in ZIP 34104 changed +2.2% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.

Recent direction

Rent has risen 4 months in a row, and rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($71,686) is $1,792 a month. That covers HUD's Fair Market Rent for up to a 1-bedroom ($1,790); a 2-bedroom is $1,980.

Rank in Naples

3rd cheapest of 14 ZIP codes in Naples.

From Zillow's monthly rent index (ZORI) for ZIP 34104. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$27,576/yr

At $2,298/mo median

Location

CityNaples

StateFL

CountyCollier County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.2% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.2% YoY, +0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 34104 (Naples, FL) is majority owner-occupied, has a large retiree population, 34.6% of residents hold a bachelor's degree or higher.

Population

26,408

Median income

$71,686

Median age

50.5

Renters

31.7%

Age distribution

18.8%

13.3%

22.6%

35.1%

Under 1818.8%

18–3413.3%

35–5422.6%

55–6410.3%

65+35.1%

Gender

50%

Male50%

Female50%

Race & ethnicity

63.5%

29.6%

White63.5%

Black5.1%

Hispanic29.6%

Asian2.3%

Education (25+)

29.3%

28.4%

34.6%

No HS diploma7.7%

HS diploma29.3%

Some college28.4%

Bachelor's+34.6%

Housing tenure

68.3%

31.7%

Owner68.3%

Renter31.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 34104 in Naples, FL has changed in 5 years

Rent

$1,593 → $2,298

up 44.3%

Income

$58,333 → $71,686

up 22.9%

Population

23,813 → 26,408

up 10.9%

Renter share

33.2% → 31.7%

-1.5 pts

Bachelor's+

30.6% → 34.6%

+4.0 pts

Median age

52.7 → 50.5

-2.2 yrs

The median rent in ZIP 34104 in Naples, FL stood at $1,593 in 2021 and currently runs about $2,298, reflecting a 44.3% increase over the period. Local incomes tracked alongside that move, going from a median of $58,333 in 2021 to $71,686 more recently. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 10.9% since 2021, moving from about 23,813 residents to roughly 26,408. Renters now make up 31.7% of households, compared with 33.2% five years ago. College-educated residents now make up 34.6% of adults here, versus 30.6% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 34104 in Naples, FL market of 2021.

Community

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About renting in ZIP 34104

Last updated: October 17, 2026

ZIP code 34104 covers Naples, FL. The median rent here is $2,298/mo as of October 2026. A 1-bedroom rents for a median of $1,790/mo. A 2-bedroom rents for a median of $1,980/mo.

At 38% of local median household income ($71,686/yr), ZIP 34104 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.2% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 34104?

To keep rent at or below 30% of gross income, you would need to earn at least $92,000/year (about $44/hour full-time) to afford the median rent of $2,298/mo in ZIP 34104. The local median household income is $71,686/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 34104?

Rent in ZIP 34104 has risen 2.2% over the past year as of September 2026. It sits 3.7% below its high of $2,386 in July 2024.

When is the cheapest time to rent in ZIP 34104?

Asking rents in ZIP 34104 are usually lowest in June, about 1.8% below their yearly trend, and highest in February, about 1.9% above it. At today's median that is a gap of roughly $85 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 34104 compare to other ZIPs in Florida?

ZIP 34104 is one of the pricier among Florida ZIP codes for rent, ranking #215 of 656 at $2,298/mo. Over the year to September 2026, rent in ZIP 34104 changed +2.2%, against a typical +1.8% across the 623 Florida ZIP codes Zillow tracks.