PlainZIP

Naples, FL · standard

ZIP Code 34109

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

23,338
718/sq mi
$92,259
Median income
$667,700
Median home value
49.1%
Bachelor's or higher

The verdict

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

Top 25%
household income, US ZIPs
Top 7%
home value, US ZIPs
718
people per sq mi
67%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 34109 against every reporting US ZIP.

ZIP code 34109 is classified by USPS as a standard delivery area and covers roughly 32.5 square miles in Naples, Collier County, Florida. The area is home to 23,338 residents, producing a population density of 718 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 34109 against Florida and the nation.

On the economic side, the median household income for ZIP 34109 sits at $92,259 (20% above the Florida average), while per-capita income is $71,716. The poverty rate stands at 8.1% and the unemployment rate at 3.7%. On housing, the median home value is $667,700 (78% above the state average) with median rent at $2,067 per month, and 66.7% of occupied units are owner-occupied, a direct signal of whether 34109 behaves more like a homeowner neighborhood or a renter-heavy ZIP.

Education and household profile round out the picture: 49.1% of adults hold a bachelor's degree or higher, the median age is 54.2, 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 34109 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 34109

Top 5 sectors by establishment count

Which industries have the most business establishments in ZIP 34109.

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 34109, 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

23,338

Population

32.5

Area (sq mi)

718

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 34109?

54.2

Median Age

47.8%

Male

52.2%

Female

20.5%

Foreign-Born

White 79.3%
African American 2.8%
Asian 3.8%
American Indian or Alaska Native 0.8%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.9%
Hispanic or Latino 13.9%

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?

$92,259

Median Household Income

+20% vs state

$71,716

Per Capita Income

8.1%

Poverty Rate

3.7%

Unemployment Rate

19.4 min

Mean Commute Time

How ZIP 34109 ranks nationally

Household income vs. every US ZIP code

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

$92,259 Top 25% higher than 75% 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%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $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 70.5%
Bachelor's Degree or Higher 49.1%

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

What does housing look like?

16,342

Total Housing Units

12,356

Occupied Units

3,986

Vacant Units

2.19

Avg Household Size

Occupancy Type

Owner 66.7%
Renter 33.3%

$667,700

Median Home Value

+78% vs state

$2,067

Median Rent

1998

Median Year Built

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

How have home values changed over time?

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

+1.5%

YoY Change (2021)

218

HPI Index (2000 = 100)

+118%

Total Change Since 2000

Home values in ZIP 34109 have increased 1.5% over the past year (2021). Since 2000, this ZIP has seen +118% cumulative appreciation.

Year Annual Change HPI Index
2017 +18.8% 198
2018 -13.2% 172
2019 +16.4% 200
2020 +7.5% 215
2021 +1.5% 218

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,783 business establishments in ZIP 34109, employing approximately 20,764 people with a combined annual payroll of $1,181,517,000.

1,783

Businesses

20,764

Employees

$1.2B

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 252 14.1%
Professional, scientific, and technical services 232 13.0%
Health care and social assistance 223 12.5%
Retail trade 192 10.8%
Real estate and rental and leasing 178 10.0%
Other services (except public administration) 170 9.5%
Administrative and support and waste management and remediation services 110 6.2%
Finance and insurance 106 6.0%
Accommodation and food services 102 5.7%
Wholesale trade 68 3.8%
Manufacturing 35 2.0%
Arts, entertainment, and recreation 32 1.8%
Educational services 30 1.7%
Transportation and warehousing 26 1.5%
Information 20 1.1%
Management of companies and enterprises 3 0.2%

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 34109 vs 34108 →

ZIP 34109 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 34109 ranks #6 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 34109 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 34109 ranks #6 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
34108 Naples, FL 16,874 2.7 mi
34105 Naples, FL 13,933 3.6 mi
34119 Naples, FL 25,756 3.5 mi
34110 Naples, FL 20,762 4.0 mi
34103 Naples, FL 12,150 4.2 mi
34116 Naples, FL 30,005 4.9 mi
34104 Naples, FL 23,691 6.2 mi
34135 Bonita Springs, FL 37,315 7.9 mi
34102 Naples, FL 10,460 7.4 mi
34112 Naples, FL 27,002 8.6 mi

More ZIP Codes in Collier County

34116 standard
Naples, FL
Pop: 30,005
34142 standard
Immokalee, FL
Pop: 27,304
34112 standard
Naples, FL
Pop: 27,002
34120 standard
Naples, FL
Pop: 26,147
34119 standard
Naples, FL
Pop: 25,756
34104 standard
Naples, FL
Pop: 23,691

Related Areas

Collier County Naples, FL Florida

Frequently Asked Questions

What county is ZIP code 34109 in? ▼
ZIP code 34109 (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 34109? ▼
ZIP code 34109 in Naples, FL has a population of 23,338 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 34109? ▼
The median household income in ZIP 34109 is $92,259, which is 21% above the national average of $76,288.
What is the average home value in ZIP 34109? ▼
The median home value in ZIP 34109 is $667,700, which is 140% above the national average of $278,155.
What is the demographic makeup of ZIP 34109? ▼
The largest racial group in ZIP 34109 is White at 79.3%. Hispanic or Latino residents make up 13.9% of the population.
How many businesses are in ZIP code 34109? ▼
ZIP code 34109 has 1,783 business establishments employing approximately 20,764 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 34109? ▼
The top industries by establishment count in ZIP 34109 are: Construction (252), Professional, scientific, and technical services (232), Health care and social assistance (223). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 34109? ▼
According to the FHFA House Price Index, home values in ZIP 34109 increased by 1.5% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 118%. 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 34109? ▼
In ZIP code 34109, 70.5% of residents aged 25+ have a high school diploma or higher, and 49.1% 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 34109? ▼
The mean commute time for workers in ZIP code 34109 is 19.4 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 34109? ▼
In ZIP code 34109, approximately 66.7% of occupied housing units are owner-occupied and 33.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 34109? ▼
The poverty rate in ZIP code 34109 is 8.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

ZIP Code Research Guides

Reading Census Demographics
How to interpret population, income, and education data from the Census Bureau.
Understanding ZIP Code Data
What ZIP codes are, how ZCTAs differ, and what the data reveals.
Best ZIP Codes for Families
Key factors to evaluate when choosing a family-friendly neighborhood.
ZIP Codes for Relocation
Data-driven tips for evaluating ZIP codes before a move.

Official Data Resources for Naples, FL

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

U.S. Census Bureau
Official demographic, economic, and housing data from the American Community Survey.
HUD Fair Market Rents
Department of Housing and Urban Development rental cost estimates by metropolitan area.
FBI Uniform Crime Reports
Official crime statistics compiled from law enforcement agencies nationwide.
FHFA House Price Index
Federal Housing Finance Agency home value trends based on repeat sales and appraisals.

Read our methodology to see how this data is sourced, computed, and verified.