34108 — Collier County, Florida Market Snapshot
Housing market data for zip code 34108 in Collier County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
213 sales in 2026 (year to date)
Median Sale Price
$1,250,000
Days to Sell
85
Homes Sold
213
Inventory
409
Sale-to-List
93.6%
New Listings
232
Price/SqFt
$688
Pending Sales
214
Jumbo Loan Likely Needed
The median home in 34108 at $1,250,000 exceeds the 2026 conforming loan limit of $832,750 by $417,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 85 days on average, 34108 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 34108 sells for 6.4% below asking price (93.6% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 34108 at $1,250,000 exceeds the 2026 conforming loan limit of $832,750 by $417,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 34108 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 34108
To purchase the median home at $1,250,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $9,727.
Monthly Payment
$9,727
Income Required
$416,876
Principal & Interest
$7,702/mo
Down Payment (5%)
$62,500
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 34108.
Estimated Monthly Payment
$7,886
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 34108.
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