34105 — Collier County, Florida Market Snapshot
Housing market data for zip code 34105 in Collier County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
139 sales in 2026 (year to date)
Median Sale Price
$698,000
Days to Sell
60
Homes Sold
139
Inventory
173
Sale-to-List
94.0%
New Listings
131
Price/SqFt
$324
Pending Sales
136
Conforming Loan Available
The median home in 34105 at $698,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
With homes sitting for 60 days on average, 34105 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 34105 sells for 6.0% below asking price (94.0% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 34105 at $698,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 34105 are set at the county level.
2026 Loan Limits — Collier County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $764,750 |
| 2 Units | $1,066,250 | $979,000 |
| 3 Units | $1,288,800 | $1,183,400 |
| 4 Units | $1,601,750 | $1,470,700 |
Affordability Snapshot — Zip 34105
To purchase the median home at $698,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,498.
Monthly Payment
$5,498
Income Required
$235,622
Principal & Interest
$4,301/mo
Down Payment (5%)
$34,900
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 34105.
Estimated Monthly Payment
$4,470
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