34145 — Collier County, Florida Market Snapshot
Housing market data for zip code 34145 in Collier County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
304 sales in 2026 (year to date)
Median Sale Price
$1,026,562
Days to Sell
100
Homes Sold
304
Inventory
418
Sale-to-List
94.0%
New Listings
288
Price/SqFt
$608
Pending Sales
316
Jumbo Loan Likely Needed
The median home in 34145 at $1,026,562 exceeds the 2026 conforming loan limit of $832,750 by $193,812. 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 100 days on average, 34145 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 34145 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 34145 at $1,026,562 exceeds the 2026 conforming loan limit of $832,750 by $193,812. 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 34145 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 34145
To purchase the median home at $1,026,562 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,015.
Monthly Payment
$8,015
Income Required
$343,508
Principal & Interest
$6,325/mo
Down Payment (5%)
$51,328
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 34145.
Estimated Monthly Payment
$6,503
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