ZIP Code 34105 — Naples, FL Home Prices (2026)
The typical home in ZIP 34105 (Naples, Florida) is worth about $451,000 at roughly $295 per square foot — 20% more affordable than the Naples median and 53% more expensive than the typical U.S. home.
How 34105 compares
ZIP 34105 is one of the more affordable ZIP codes in Naples: its typical home value of $451,000 ranks #12 of the 15 Naples ZIP codes we track (the citywide range runs from $331,000 in 34112 to $1,298,000 in 34102). Per square foot it costs about $295, against $363 for Naples as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 34105 | $451,000 | $295 |
| Naples, FL | $561,000 | $363 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 34105
Using this ZIP’s rate of about $295 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $295,000 |
| 1,500 sq ft | $442,500 |
| 2,000 sq ft | $590,000 |
| 2,500 sq ft | $737,500 |
| 3,000 sq ft | $885,000 |
Salary needed to buy a home in ZIP 34105
To buy the typical $451,000 home in ZIP 34105 with 20% down, you need a household income of roughly $123,000 a year (about $2,860 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $146,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,600 | $3,560/mo | $153,000/yr |
| 10% (+PMI) | $45,100 | $3,400/mo | $146,000/yr |
| 20% | $90,200 | $2,860/mo | $123,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 34105
At about $295 per square foot, here is roughly how much home different budgets get you in ZIP 34105:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 850 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1020 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1360 sq ft | around the typical home here |
| $500k | 1690 sq ft | around the typical home here |
| $600k | 2030 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 34105 home.
Estimate a specific home in 34105
The estimator below is pre-set to ZIP 34105 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Naples ZIP codes by home value
Where 34105 sits among Naples’s 15 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 34102 | $1,298,000 | $1184 |
| 2 | 34103 | $1,105,000 | $798 |
| 3 | 34108 | $995,000 | $709 |
| 4 | 34119 | $650,000 | $321 |
| 5 | 34110 | $602,000 | $384 |
| 6 | 34140 | $587,000 | $574 |
| 7 | 34109 | $581,000 | $376 |
| 8 | 34117 | $561,000 | $363 |
| 9 | 34120 | $549,000 | $335 |
| 10 | 34114 | $516,000 | $323 |
| 11 | 34113 | $498,000 | $335 |
| 12 | 34105 (this page) | $451,000 | $295 |
| 13 | 34116 | $451,000 | $372 |
| 14 | 34104 | $350,000 | $280 |
| 15 | 34112 | $331,000 | $260 |
ZIP 34105 home prices: frequently asked
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See the full Naples home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.