ZIP 34109
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12-month history
Last updated: October 17, 2026
What the numbers show
August. Asking rents in ZIP 34109 usually run 2.1% below trend in August and 2.5% above it in February, about $110 a month apart at today's median. Based on 10 years of data.
Rent in ZIP 34109 is 6.3% below its high of $2,553 in November 2023, at $2,393 as of September 2026.
Rent in ZIP 34109 changed +3.0% over the year to September 2026. Across the 623 Florida ZIP codes Zillow tracks, the typical change was +1.8%.
From 2019 to 2024, rent in ZIP 34109 rose 56.7% while median household income rose 28% ($72,095 to $92,259). Rent outpaced income.
Rent in ZIP 34109 is 53.5% higher than in March 2020. Across the US, rent is up 37.3% over the same stretch.
Rent has risen 2 months in a row, and rose in 7 of the last 12 months.
30% of the median household income ($92,259) is $2,306 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($2,100); a 3-bedroom is $2,730.
4th cheapest of 14 ZIP codes in Naples.
From Zillow's monthly rent index (ZORI) for ZIP 34109. 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.
Who lives here
ZIP 34109 (Naples, FL) is majority owner-occupied, has a large retiree population, has a median income above the national average, 49.1% of residents hold a bachelor's degree or higher.
Source: U.S. Census Bureau · ACS 2024 5-Year Estimates
How ZIP 34109 in Naples, FL has changed in 5 years
Five years ago, renters in ZIP 34109 in Naples, FL paid around $1,722 a month. That figure now sits near $2,393, up 39.0% from the 2021 baseline. Census figures show median household income at $92,259 today, compared with $81,140 five years earlier. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 34109 in Naples, FL adding about 1,273 residents over the five-year window, up 4.9% on net. The renter share has risen from 29.5% to 33.3%, with owner-occupied housing accounting for the remainder. The combined trend lines point to a market that has changed measurably from where it stood in early 2021.
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Tips for renters in ZIP 34109
Last updated: October 17, 2026
ZIP code 34109 covers Naples, FL. The median rent here is $2,393/mo as of October 2026. A 1-bedroom rents for a median of $1,900/mo. A 2-bedroom rents for a median of $2,100/mo.
At 31% of local median household income ($92,259/yr), ZIP 34109 ranks as moderate compared to the national benchmark of 30%. Rents have increased 3.0% over the past year.
Frequently asked questions
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How does ZIP 34109 compare to the rest of Naples?
At $2,393/mo, rent takes ~31% of ZIP 34109's median household income ($92,259/yr). The standard benchmark is 30%.
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