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ZIP Code · FL

ZIP 34109

Part of Naples, FL
Pop. 27,273·Collier County·116th most expensive ZIP in Florida
Median rent (all units)
$2,663/mo
Year-over-Year
-2.2%
Month-over-Month
-3.7%
vs US Median
+$698
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 34109 · $2,663
More expensive than 83% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$1,480
1 BR
$1,900
2 BR
$2,100
3 BR
$2,730
4 BR+
$2,970
Research median
$2,100/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: July 20, 2026

Annual cost
$31,956/yr
At $2,663/mo median
Location
CityNaples
StateFL
CountyCollier County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 2.2% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (-2.2% YoY, -3.7% MoM), not inventory.
Demographics

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.

Population
27,273
Median income
$92,259
Median age
54.2
Renters
33.3%
Age distribution
17.9%
21.1%
12.1%
37%
Under 1817.9%
18–3411.9%
35–5421.1%
55–6412.1%
65+37%
Gender
47.8%
52.2%
Male47.8%
Female52.2%
Race & ethnicity
79.3%
13.9%
White79.3%
Black2.8%
Hispanic13.9%
Asian3.8%
Education (25+)
21.3%
26.8%
49.1%
No HS diploma2.8%
HS diploma21.3%
Some college26.8%
Bachelor's+49.1%
Housing tenure
66.7%
33.3%
Owner66.7%
Renter33.3%

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

2021 vs 2026

How ZIP 34109 in Naples, FL has changed in 5 years

Rent
$1,921 → $2,663
up 38.6%
Income
$81,140 → $92,259
up 13.7%
Population
26,000 → 27,273
up 4.9%
Renter share
29.5% → 33.3%
+3.8 pts
Bachelor's+
48.4% → 49.1%
+0.7 pts

Five years ago, renters in ZIP 34109 in Naples, FL paid around $1,921 a month. That figure now sits near $2,663, up 38.6% 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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Local insights

Tips for renters in ZIP 34109

About renting in ZIP 34109

Last updated: July 20, 2026

ZIP code 34109 covers Naples, FL. The median rent here is $2,663/mo as of July 2026. A 1-bedroom rents for a median of $1,900/mo. A 2-bedroom rents for a median of $2,100/mo.

At 35% of local median household income ($92,259/yr), ZIP 34109 ranks as moderate compared to the national benchmark of 30%. Rents have decreased 2.2% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 34109?

As of July 20, 2026, the median monthly rent in ZIP 34109 (Naples, FL) is $2,663. This is based on aggregated data from public sources and community submissions.

How does ZIP 34109 rent compare to the US average?

ZIP 34109's median rent of $2,663/mo is $698 (36%) above the US national median of $1,965/mo.

How does ZIP 34109 compare to other ZIPs in Florida?

ZIP 34109 is one of the pricier ZIP codes in Florida, ranking #116 out of 662 ZIPs tracked at $2,663/mo.

How much income do you need to rent in ZIP 34109?

To keep rent at or below 30% of gross income, you would need to earn at least $107,000/year (~$51/hour full-time) to afford the median rent of $2,663/mo in ZIP 34109. The local median household income is $92,259/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 34109?

Rent in ZIP 34109 has decreased 2.2% over the past year as of July 20, 2026, offering some relief compared to 12 months ago.

Is ZIP 34109 an affordable place to rent?

ZIP 34109 is considered moderate for renters. At $2,663/mo, rent takes approximately 35% of the local median household income ($92,259/yr). The standard benchmark is 30%. ZIP 34109 slightly exceeds that threshold, so budgeting carefully matters here.

What percentage of ZIP 34109 residents rent vs. own?

According to Census data, approximately 33.3% of ZIP 34109 households are renters, while 66.7% are owner-occupied. ZIP 34109 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 34109 compare to the rest of Naples?

ZIP 34109 is pricier than Naples as a whole. At $2,663/mo, it's $9 above the Naples citywide median of $2,654/mo.

When was rent data for ZIP 34109 last updated?

Rent data for ZIP 34109 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
35%
MODERATE

At $2,663/mo, rent takes ~35% of ZIP 34109's median household income ($92,259/yr). The standard benchmark is 30%.

ZIP 34109 35%Benchmark 30%
State income taxNone
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