34103 ZIP Code — Naples, FL

Collier County, Florida

ZIP code 34103 is located in Naples, Florida, within Collier County. It covers approximately 3.88 square miles and serves a population of 11,214 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 239.

About ZIP code 34103

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the 1970s, giving the area an established character. Median home value is $876,500. Owner-occupancy is high at 84%, well above the national average.

The gap between median ($99,615) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 53% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 19 minutes is near the national average. Remote work is prevalent — 24% of workers work from home.

Educational attainment is high — 56% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 34103 reflects a community defined by a highly educated population, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

11,214

population

3.88

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34103 ZIP code map

Cities in ZIP code 34103

Below are the cities the US Postal Service accepts for ZIP code 34103. Using any city not on this list may result in mail delivery delays.

City	Status
Naples	Preferred

Nearby ZIP codes

34105 Naples (2.7 mi) 34108 Naples (3.7 mi) 34102 Naples (4.1 mi) 34109 Naples (4.3 mi) 34104 Naples (5 mi) 34116 Naples (5.8 mi) 34112 Naples (6.5 mi) 34110 Naples (7.5 mi) 34119 Naples (7.7 mi) 34134 Bonita Springs (11.1 mi) 34134 Bonita Springs (11.1 mi) 34113 Naples (11.3 mi)

Demographics updated 05/2026

Population
Total population	11,214
Population density	2,890 / sq mi
State FIPS	12
County FIPS	021

Geography
Land area	3.88 sq mi
Water area	0.97 sq mi
Latitude	26.1916
Longitude	-81.8043
Timezone	Eastern (ET)
Area code	239

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	35.5%	43.4%
$50k – $100k	24.2%	30.1%	30.8%
$100k – $200k	20.9%	22.2%	19.3%
Over $200k	29.9%	12.3%	6.4%

Demographics & statistics

11,214

Population

2,890

People per sq mi

61.7

Median age

$99,615

Median household income

$110,453

Per capita income

$876,500

Median home value

$1,823

Median monthly rent

84.4%

Home ownership

6.5%

Poverty rate

2.0%

Unemployment

9,509

Housing units

55.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

104

178

5–9

219

146

10–14

181

170

15–19

209

291

20–24

359

315

25–34

389

341

35–44

421

474

45–54

586

386

55–59

477

392

60–64

485

1,077

65–74

1,329

862

75–84

1,065

302

85+

372

← Male

Female →

Age summary

Group	Count	%
Under 18	1,050	9.4%
18 and over	10,164	90.6%
65 and over	5,007	44.6%
Median age	61.7 years

Race & ethnicity

White 80.1%

Hispanic or Latino 8.8%

Two or more races 7.4%

Other race 1.7%

Asian 1.2%

Black or African American 0.6%

American Indian / Alaska Native 0.1%

Group	Count	%
White	9,849	80.1%
Hispanic or Latino	1,084	8.8%
Two or more races	910	7.4%
Other race	211	1.7%
Asian	150	1.2%
Black or African American	79	0.6%
American Indian / Alaska Native	15	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	35.5%	43.4%
$50k – $100k	24.2%	30.1%	30.8%
$100k – $200k	20.9%	22.2%	19.3%
Over $200k	29.9%	12.3%	6.4%

Under $10k 3.8%

$10k–$15k 2.1%

$15k–$25k 5.0%

$25k–$35k 2.4%

$35k–$50k 11.4%

$50k–$75k 13.2%

$75k–$100k 12.2%

$100k–$150k 9.8%

$150k–$200k 11.9%

$200k+ 28.1%

Range	% of households
Under $10k	3.8%
$10k–$15k	2.1%
$15k–$25k	5.0%
$25k–$35k	2.4%
$35k–$50k	11.4%
$50k–$75k	13.2%
$75k–$100k	12.2%
$100k–$150k	9.8%
$150k–$200k	11.9%
$200k+	28.1%
Median income	$99,615

Housing

Home values

Under $50k 0.5%

$50k–$100k 0.3%

$100k–$150k 2.2%

$150k–$200k 1.3%

$200k–$300k 11.6%

$300k–$500k 16.5%

$500k–$1M 23.9%

$1M+ 43.8%

Housing overview

Metric	Value
Median home value	$876,500
Median rent / month	$1,823
Owner occupied	84.4%
Renter occupied	15.6%
Vacant	47.9%
Single-family detached	27.4%
Large apartment buildings	53.6%
Mobile homes	1.2%
Median rooms	4.5
Avg household size (owned)	1.94

Year built

Era	%
2020 or later	0.5%
2010–2019	3.1%
2000–2009	5.0%
1990–1999	16.5%
1980–1989	23.6%
1970–1979	38.0%
1960–1969	10.6%
1950–1959	2.5%
1940–1949	0.1%
1939 or earlier	0.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	3.5%
2 bedrooms	50.7%
3 bedrooms	33.7%
4 bedrooms	10.3%
5+ bedrooms	1.4%

Vehicles per household

Vehicles	% of households
No vehicle	1.8%
1 vehicle	48.2%
2 vehicles	41.9%
3 or more	8.2%

Heating fuel

Fuel type	%
Utility gas	2.7%
Electricity	94.9%
Propane / LP gas	0.6%
Wood	0.1%
No fuel used	1.8%

Households & families

Household type	Count	%
Married-couple family	2,889	53.6%
Cohabiting couple	136	2.5%
Male householder, no spouse	938	17.4%
Female householder, no spouse	1,427	26.5%
Households with children under 18	543	10.1%
Households with seniors (65+)	3,127	58.0%
Average household size	2.05

Marital status

Status	Male	Female
Never married	18.7%	18.3%
Married	66.4%	51.4%
Separated	1.1%	0.4%
Widowed	7.5%	12.6%
Divorced	6.2%	17.3%

Education

Less than 9th grade 1.5%

Some HS, no diploma 1.7%

HS graduate 18.6%

Some college, no degree 14.7%

Associate's degree 7.8%

Bachelor's degree 33.0%

Graduate / professional 22.7%

Metric	%
HS diploma or higher	96.9%
Bachelor's or higher	55.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	52	3.2%
Kindergarten	145	9.0%
Elementary school	502	31.3%
High school	269	16.8%
College / grad school	637	39.7%

Employment

Industry of employment

Education & healthcare 16.6%

Professional & management 16.5%

Arts, food & hospitality 14.8%

Retail trade 13.5%

Finance & real estate 13.3%

Construction 8.4%

Manufacturing 6.4%

Other services 3.1%

Transportation & utilities 2.5%

Wholesale trade 1.9%

Information 1.2%

Public administration 0.9%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	51.0%
Service	21.2%
Sales & office	18.0%
Natural resources & construction	7.2%
Production & transportation	2.7%

Employment type

Type	%
Private sector	80.7%
Government	6.9%
Self-employed	12.1%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	68.1%
Carpool	5.7%
Public transit	0.2%
Walk	0.4%
Work from home	24.3%
Other means	1.4%
Avg commute (minutes)	18.6

Poverty

All people 6.5%

Under 18 years 14.5%

18 and over 5.7%

Married-couple families 2.2%

Female-led households 25.1%

Income support

Source	% of households
Social Security	52.8%
Retirement income	35.1%
Supplemental Security	2.9%
Cash public assistance	0.9%
Food stamps / SNAP	1.9%

Health indicators

Condition	%
Obesity	21.9%
High blood pressure	37.1%
High cholesterol	40.7%
Diabetes	11.6%
Heart disease	9.5%
Stroke	3.9%
Asthma	7.3%
Arthritis	30.9%
Kidney disease	3.8%
Pulmonary disease	8.1%
Cancer	12.1%

Behavior / access	%
Smoking	10.5%
Binge drinking	11.4%
No physical activity	21.9%
Less than 7 hrs sleep	26.3%
Depression	14.5%
Fair or poor health	12.9%
Poor mental health	10.4%
Poor physical health	10.1%
No health insurance	15.9%
Visited doctor (checkup)	79.7%
Visited dentist	72.1%
Cholesterol screening	95.5%
Teeth loss	8.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	840	8.3%

Disability	%
Any disability	11.9%
Under 18	0.8%
18–64 years	6.2%
65 and over	20.2%

Health insurance coverage

Type	%
Private insurance	68.8%
Public insurance	49.3%
No insurance	7.8%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	11,026	98.3%
Spanish	945	8.6%
Other Indo-European	785	7.1%
Asian & Pacific Islander	155	1.4%
Other languages	5	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,652	86.1%
Born in same state	9,453	84.3%
Born in different state	1,914	17.1%
Foreign born	199	1.8%
Naturalized citizen	1,562	13.9%
Not a US citizen	682	43.7%

Ancestry

Ancestry	Count	%
Italian	2,053	18.3%
French	1,635	14.6%
Arab	1,299	11.6%
Polish	195	1.7%

Ancestry	Count	%
English	145	1.3%
Irish	78	0.7%
Norwegian	36	0.3%
German	32	0.3%

Technology access

Metric	% of households
Computer access	48.1%
Internet access	97.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 34103

What city is ZIP code 34103 in?

ZIP code 34103 is primarily assigned to Naples, Florida.

What county is ZIP code 34103 in?

ZIP code 34103 falls within Collier County, Florida.

Does ZIP code 34103 have an older population?

45% of residents in ZIP code 34103 are 65 or older, above the national average of ~17%.

Does ZIP code 34103 have a large retiree population?

53% of households in ZIP code 34103 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 34103?

56% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 34103 mostly owner-occupied?

84% of occupied units in ZIP code 34103 are owner-occupied, well above the national average.

What timezone is ZIP code 34103 in?

ZIP code 34103 observes the EST timezone.