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Housing market/Florida/ZIP 34104

ACS 2023 · FY2027 SAFMR

ZIP 34104 Naples, Florida

Naples-Marco Island, FL MSA · Florida. Census housing stock, renter economics, HUD SAFMR, LIHTC, and population change. Not a listing page and not a buy/sell score.

Population
25,873
Households
11,521
Median HH income
$70,301
Renter share
32.5%
Median gross rent
$1,742
Vacancy
28.3%
Pop. change
+7.3%
2BR SAFMR
$2,010
SAFMR / rent
1.154×
2–49 unit stock
7,934
LIHTC proj / units
6 / 1,101
HUD assisted MF
—

ZIP brief

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HUD schedule, ACS stock, and the 90–110% band for ZIP 34104 · FL — sent to you.

ZIP 34104 · FL

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ACS rent vs 2BR SAFMR

ZIP 34104 — Naples, FL HUD Section 8 Payment Standards / SAFMR →
ACS median rent$1,742
2BR SAFMR$2,010
90% floor$1,809
110% ceiling$2,211

ACS median is all-bedroom occupied rent. SAFMR is the 2-bedroom HCV benchmark.

Housing stock

ACS 2023 units-in-structure · ZCTA 34104

  • 1-unit detached5,31333.2%
  • 1-unit attached1,3068.2%
  • 2–4 units1,85011.6%
  • 5–49 units6,08438.0%
  • 50+ units4622.9%
  • Mobile9756.1%
TypeUnitsShare
1-unit detached5,31333.1%
1-unit attached1,3068.1%
2 units (duplex)3782.4%
3–4 units1,4729.2%
5–9 units1,4919.3%
10–19 units2,48315.5%
20–49 units2,11013.1%
50+ units4622.9%
Mobile9756.1%

2–4 unit share 11.5% · 5–49 unit share 37.9% · combined 2–49 49.4%.

Units by bedrooms

Studio
142
1BR
1,318
2BR
8,105
3BR
5,799
4BR
652
5+
46

Rent burden

Rent ≥30% of income65.2%
Rent ≥50% of income38.5%
  • ACS median gross rent $1,742 (all bedrooms, occupied rentals).
  • Median contract rent $1,595.
  • Renters paying ≥30% of income 65.2%; ≥50% 38.5%.
  • FY2027 2BR SAFMR $2,010 (1.154× ACS median gross rent).

Population

25,873 residents · ACS 2023

Change versus the 2018 ACS 5-year estimate: +7.3%.

ACS 5-year estimates lag current construction. This is not a forecast.

Assisted inventory

  • LIHTC: 6 projects, 1,101 units.
  • HUD project-based assisted MF: not published for this ZIP.
  • HCV household counts (Picture of Subsidized Households) are not on this page yet.

New apartment permits

About 724 new apartments in 5+ unit buildings may have been permitted in this ZIP’s share of the county. That is units (doors), not a building count.

Cities and counties report building permits to the Census. Apartment counts are for the whole county, not a project list in this ZIP.

What the data shows

ZIP 34104 32.5% of occupied households are renters; vacancy is 28.3%; ACS median gross rent is $1,742; population increased +7.3% between the 2018 and 2023 ACS vintages; the housing stock includes 1,850 units in 2–4-unit structures and 6,084 units in 5–49-unit structures; 6 LIHTC projects totaling 1,101 units; FY2027 2BR SAFMR is $2,010 versus ACS median gross rent of $1,742. These figures describe the underlying housing market, not the cash flow of any one property. Asking rents, expenses, condition, taxes, insurance, and the rent roll have to be underwritten separately.

Florida research

ZIP 34104 is a Census / HUD profile for Naples-Marco Island, FL. Not a listing page. Brokerage is Georgia; out-of-state work is referral.

ZIP 34104 — Naples, FL HUD Section 8 Payment Standards / SAFMR·Florida ZIP directory

Nearby ZIPs in this FMR area

ZIPPlaceRentersMed. rent2BR SAFMR
33928Naples-Marco Island, FL MSA14.9%$1,959$2,30034101Naples-Marco Island, FL MSA——$2,04034102Naples-Marco Island, FL MSA25.1%$1,491$1,85034103Naples-Marco Island, FL MSA12.8%$2,039$2,34034105Naples-Marco Island, FL MSA33.4%$2,041$2,26034106Naples-Marco Island, FL MSA——$2,04034107Naples-Marco Island, FL MSA——$2,04034108Naples-Marco Island, FL MSA14.4%$2,099$2,47034109Naples-Marco Island, FL MSA31.9%$1,873$2,18034110Naples-Marco Island, FL MSA25.4%$2,068$2,22034112Naples-Marco Island, FL MSA22.6%$1,529$1,84034113Naples-Marco Island, FL MSA27.2%$1,888$2,170

Census ZIP areas approximate mail ZIPs. Sources: Census ACS 5-year 2023, HUD FY2027 Small Area FMR, HUD LIHTC and assisted multifamily lists, Census building permits (county). This page is Florida research. Brokerage is Georgia.

FAQ

What is the housing market like in ZIP 34104?

ZIP 34104 (Naples-Marco Island, FL MSA) has 25,873 residents, 11,521 households, a renter share of 32.5%, median household income of $70,301, and ACS 2023 median gross rent of $1,742. Vacancy is 28.3%. These are ZCTA estimates, not a property rent roll.

How much small multifamily housing is in 34104?

ACS counts 378 units in 2-unit buildings, 1,472 in 3–4 unit buildings, 1,491 in 5–9, 2,483 in 10–19, and 2,110 in 20–49. Combined 2–49 unit stock is 7,934 units. This is occupied-and-vacant stock, not listings for sale.

What is the Section 8 rent in 34104?

The Housing Choice Voucher benchmark is the FY2027 Small Area FMR. 2-bedroom SAFMR is $2,010. See the full schedule and 90–110% payment-standard band on the ZIP 34104 — Naples, FL HUD Section 8 Payment Standards / SAFMR.

Does this Florida ZIP profile include Georgia listings?

No. ZIP 34104 is Census / HUD research for Naples-Marco Island, FL MSA. Jeff Crowe CRE does not list Florida property. Licensed brokerage is Georgia. If you use this stock table and then buy in Georgia, live FMLS Residential Income is on multifamily for sale in Georgia.