34104 — Collier County, Florida Market Snapshot
Housing market data for zip code 34104 in Collier County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
163 sales in 2026 (year to date)
Median Sale Price
$402,000
Days to Sell
50
Homes Sold
163
Inventory
238
Sale-to-List
95.5%
New Listings
164
Price/SqFt
$271
Pending Sales
162
Conforming Loan Available
Most homebuyers in 34104 can comfortably use conventional financing. The median home price of $402,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
34104's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34104 sells for 4.5% below asking price (95.5% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34104 can comfortably use conventional financing. The median home price of $402,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 34104 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 34104
To purchase the median home at $402,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,230.
Monthly Payment
$3,230
Income Required
$138,429
Principal & Interest
$2,477/mo
Down Payment (5%)
$20,100
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 34104.
Estimated Monthly Payment
$2,638
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