Naples, FL · standard

ZIP Code 34108

Collier County, Florida — Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

16,874
839/sq mi
$119,212
Median income
$1,022,000
Median home value
60.4%
Bachelor's or higher

The verdict

Naples pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 10%
household income, US ZIPs
Top 2%
home value, US ZIPs
839
people per sq mi
86%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34108 against every reporting US ZIP.

ZIP code 34108 is classified by USPS as a standard delivery area and covers roughly 20.1 square miles in Naples, Collier County, Florida. The area is home to 16,874 residents, producing a population density of 839 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 34108 against Florida and the nation.

On the economic side, the median household income for ZIP 34108 sits at $119,212 (55% above the Florida average), while per-capita income is $113,220. The poverty rate stands at 6.4% and the unemployment rate at 3.4%. On housing, the median home value is $1,022,000 (172% above the state average) with median rent at $2,310 per month, and 86.0% of occupied units are owner-occupied, a direct signal of whether 34108 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 60.4% of adults hold a bachelor's degree or higher, the median age is 67.7, and the average commute is 19 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Collier County, so you can benchmark 34108 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →

Top industries in ZIP 34108

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 34108.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 34108, Naples, FL · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.

Quick Facts

16,874

Population

20.1

Area (sq mi)

839

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 34108?

67.7

Median Age

48.2%

Male

51.8%

Female

15.7%

Foreign-Born

White 85.4%
African American 1.4%
Asian 1.5%
American Indian or Alaska Native 2.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 8.4%
Hispanic or Latino 10.8%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$119,212

Median Household Income

+55% vs state

$113,220

Per Capita Income

6.4%

Poverty Rate

3.4%

Unemployment Rate

19.1 min

Mean Commute Time

How ZIP 34108 ranks nationally

Household income vs. every US ZIP code

Median household income — the full national distribution, with this ZIP marked

$119,212 Top 10% higher than 90% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau — ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 74.9%
Bachelor's Degree or Higher 60.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

15,215

Total Housing Units

8,365

Occupied Units

6,850

Vacant Units

1.94

Avg Household Size

Occupancy Type

Owner 86.0%
Renter 14.0%

$1,022,000

Median Home Value

+172% vs state

$2,310

Median Rent

1990

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+0.0%

YoY Change (2024)

558

HPI Index (2000 = 100)

+458%

Total Change Since 2000

Home values in ZIP 34108 have increased 0.0% over the past year (2024). Since 2000, this ZIP has seen +458% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.9% 280
2021 +21.8% 341
2022 +40.2% 478
2023 +16.5% 557
2024 +0.0% 558

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 948 business establishments in ZIP 34108, employing approximately 16,991 people with a combined annual payroll of $1,439,028,000.

948

Businesses

16,991

Employees

$1.4B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 139 14.7%
Retail trade 126 13.3%
Real estate and rental and leasing 123 13.0%
Finance and insurance 108 11.4%
Other services (except public administration) 101 10.7%
Accommodation and food services 87 9.2%
Health care and social assistance 84 8.9%
Construction 61 6.4%
Administrative and support and waste management and remediation services 41 4.3%
Information 18 1.9%
Wholesale trade 17 1.8%
Arts, entertainment, and recreation 14 1.5%
Transportation and warehousing 10 1.1%
Management of companies and enterprises 7 0.7%
Manufacturing 6 0.6%
Educational services 3 0.3%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 34108 vs 34109 →

ZIP 34108 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 34108 ranks #7 by population — useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 34108 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 34108 ranks #3 of 9 neighboring ZIPs — local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
34109 Naples, FL 23,338 2.7 mi
34103 Naples, FL 12,150 3.6 mi
34110 Naples, FL 20,762 3.7 mi
34105 Naples, FL 13,933 4.7 mi
34119 Naples, FL 25,756 5.9 mi
34102 Naples, FL 10,460 7.4 mi
34134 Bonita Springs, FL 14,112 7.8 mi
34116 Naples, FL 30,005 7.2 mi
34104 Naples, FL 23,691 7.5 mi
34135 Bonita Springs, FL 37,315 8.4 mi

More ZIP Codes in Collier County

Frequently Asked Questions

What county is ZIP code 34108 in?
ZIP code 34108 (Naples) is located in Collier County, Florida. Collier County contains multiple ZIP codes, see the full list at /counties/collier-fl.
What is the population of ZIP code 34108?
ZIP code 34108 in Naples, FL has a population of 16,874 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34108?
The median household income in ZIP 34108 is $119,212, which is 56% above the national average of $76,288.
What is the average home value in ZIP 34108?
The median home value in ZIP 34108 is $1,022,000, which is 267% above the national average of $278,155.
What is the demographic makeup of ZIP 34108?
The largest racial group in ZIP 34108 is White at 85.4%. Hispanic or Latino residents make up 10.8% of the population.
How many businesses are in ZIP code 34108?
ZIP code 34108 has 948 business establishments employing approximately 16,991 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34108?
The top industries by establishment count in ZIP 34108 are: Professional, scientific, and technical services (139), Retail trade (126), Real estate and rental and leasing (123). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 34108?
According to the FHFA House Price Index, home values in ZIP 34108 increased by 0.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 458%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 34108?
In ZIP code 34108, 74.9% of residents aged 25+ have a high school diploma or higher, and 60.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 34108?
The mean commute time for workers in ZIP code 34108 is 19.1 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 34108?
In ZIP code 34108, approximately 86.0% of occupied housing units are owner-occupied and 14.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34108?
The poverty rate in ZIP code 34108 is 6.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Official Data Resources for Naples, FL

Verify and explore additional data for this area using these official government sources.