34109 ZIP Code — Naples, FL

Collier County, Florida

ZIP code 34109 is located in Naples, Florida, within Collier County. It covers approximately 12.51 square miles and serves a population of 25,845 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 239.

About ZIP code 34109

The housing stock consists of a mix of housing types. Most homes were built in the 1990s, giving the area an established character. Median home value is $531,600. Owner-occupancy sits near the national average at 70%.

The gap between median ($88,203) and mean household income suggests income inequality — a small number of higher earners pull the average up. 51% 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 20 minutes is near the national average.

Educational attainment is high — 50% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 34109 reflects a community defined by a highly educated population and a significant Social Security-dependent population.

25,845

population

12.51

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

34109 ZIP code map

Cities in ZIP code 34109

Below are the cities the US Postal Service accepts for ZIP code 34109. Using any city not on this list may result in mail delivery delays.

City	Status
Naples	Preferred

Nearby ZIP codes

34108 Naples (2.8 mi) 34119 Naples (3.5 mi) 34105 Naples (3.9 mi) 34110 Naples (4.3 mi) 34103 Naples (4.3 mi) 34116 Naples (5 mi) 34104 Naples (6.4 mi) 34102 Naples (7.9 mi) 34112 Naples (8.9 mi) 34134 Bonita Springs (8.9 mi) 34134 Bonita Springs (8.9 mi) 34135 Bonita Springs (8.9 mi)

Demographics updated 05/2026

Population
Total population	25,845
Population density	2,066 / sq mi
State FIPS	12
County FIPS	021

Geography
Land area	12.51 sq mi
Water area	0.75 sq mi
Latitude	26.2421
Longitude	-81.7627
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	35.5%	35.5%	43.4%
$50k – $100k	29.4%	30.1%	30.8%
$100k – $200k	19.6%	22.2%	19.3%
Over $200k	15.5%	12.3%	6.4%

Demographics & statistics

25,845

Population

2,066

People per sq mi

55.2

Median age

$88,203

Median household income

$66,850

Per capita income

$531,600

Median home value

$1,766

Median monthly rent

69.7%

Home ownership

10.6%

Poverty rate

3.4%

Unemployment

12,183

Housing units

50.4%

Bachelor's or higher

Age distribution

Male Female

438

Under 5

482

580

5–9

638

830

10–14

915

525

15–19

579

416

20–24

459

617

25–34

679

1,251

35–44

1,378

1,449

45–54

1,595

811

55–59

893

748

60–64

824

1,991

65–74

2,192

1,528

75–84

1,683

1,115

85+

1,229

← Male

Female →

Age summary

Group	Count	%
Under 18	4,499	17.4%
18 and over	21,346	82.6%
65 and over	9,738	37.7%
Median age	55.2 years

Race & ethnicity

White 76.8%

Two or more races 7.3%

Hispanic or Latino 6.8%

Asian 4.4%

Black or African American 3.5%

Other race 1.1%

American Indian / Alaska Native 0.1%

Group	Count	%
White	21,293	76.8%
Two or more races	2,025	7.3%
Hispanic or Latino	1,884	6.8%
Asian	1,227	4.4%
Black or African American	962	3.5%
Other race	310	1.1%
American Indian / Alaska Native	24	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	35.5%	35.5%	43.4%
$50k – $100k	29.4%	30.1%	30.8%
$100k – $200k	19.6%	22.2%	19.3%
Over $200k	15.5%	12.3%	6.4%

Under $10k 4.8%

$10k–$15k 2.8%

$15k–$25k 5.8%

$25k–$35k 4.6%

$35k–$50k 7.8%

$50k–$75k 16.8%

$75k–$100k 12.9%

$100k–$150k 17.3%

$150k–$200k 8.0%

$200k+ 19.1%

Range	% of households
Under $10k	4.8%
$10k–$15k	2.8%
$15k–$25k	5.8%
$25k–$35k	4.6%
$35k–$50k	7.8%
$50k–$75k	16.8%
$75k–$100k	12.9%
$100k–$150k	17.3%
$150k–$200k	8.0%
$200k+	19.1%
Median income	$88,203

Housing

Home values

Under $50k 0.9%

$50k–$100k 0.1%

$100k–$150k 0.5%

$150k–$200k 1.1%

$200k–$300k 14.9%

$300k–$500k 29.1%

$500k–$1M 41.3%

$1M+ 12.1%

Housing overview

Metric	Value
Median home value	$531,600
Median rent / month	$1,766
Owner occupied	69.7%
Renter occupied	30.3%
Vacant	25.3%
Single-family detached	35.8%
Large apartment buildings	17.8%
Mobile homes	0.4%
Median rooms	5.0
Avg household size (owned)	2.33

Year built

Era	%
2020 or later	0.7%
2010–2019	10.4%
2000–2009	25.8%
1990–1999	50.4%
1980–1989	10.0%
1970–1979	2.3%
1960–1969	0.3%
1950–1959	0.0%
1940–1949	0.0%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	9.7%
2 bedrooms	34.7%
3 bedrooms	37.1%
4 bedrooms	12.6%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	6.1%
1 vehicle	46.4%
2 vehicles	37.5%
3 or more	10.0%

Heating fuel

Fuel type	%
Utility gas	3.7%
Electricity	92.8%
Propane / LP gas	0.5%
Fuel oil	0.1%
No fuel used	2.7%

Households & families

Household type	Count	%
Married-couple family	5,951	50.6%
Cohabiting couple	374	3.2%
Male householder, no spouse	1,792	15.2%
Female householder, no spouse	3,648	31.0%
Households with children under 18	2,402	20.4%
Households with seniors (65+)	6,665	56.7%
Average household size	2.18

Marital status

Status	Male	Female
Never married	22.7%	16.5%
Married	61.8%	54.6%
Separated	0.4%	1.4%
Widowed	4.7%	14.5%
Divorced	10.4%	12.9%

Education

Less than 9th grade 1.6%

Some HS, no diploma 2.1%

HS graduate 20.9%

Some college, no degree 16.0%

Associate's degree 9.0%

Bachelor's degree 29.1%

Graduate / professional 21.3%

Metric	%
HS diploma or higher	96.3%
Bachelor's or higher	50.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	343	6.9%
Kindergarten	139	2.8%
Elementary school	2,286	46.0%
High school	1,065	21.4%
College / grad school	1,136	22.9%

Employment

Industry of employment

Education & healthcare 19.3%

Professional & management 18.2%

Arts, food & hospitality 13.3%

Retail trade 10.3%

Finance & real estate 9.8%

Other services 7.4%

Construction 6.4%

Wholesale trade 4.9%

Manufacturing 4.1%

Transportation & utilities 2.5%

Public administration 2.5%

Information 1.1%

Agriculture & mining 0.2%

Occupation

Category	%
Management, business & arts	48.1%
Service	18.9%
Sales & office	23.9%
Natural resources & construction	4.2%
Production & transportation	4.9%

Employment type

Type	%
Private sector	83.6%
Government	7.9%
Self-employed	8.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	78.9%
Carpool	6.5%
Public transit	0.0%
Walk	0.0%
Work from home	11.7%
Other means	2.9%
Avg commute (minutes)	20.3

Poverty

All people 10.6%

Under 18 years 13.1%

18 and over 10.1%

Married-couple families 4.8%

Female-led households 32.2%

Income support

Source	% of households
Social Security	51.2%
Retirement income	35.8%
Supplemental Security	2.0%
Cash public assistance	2.1%
Food stamps / SNAP	2.6%

Health indicators

Condition	%
Obesity	23.0%
High blood pressure	31.6%
High cholesterol	35.3%
Diabetes	10.1%
Heart disease	7.6%
Stroke	3.3%
Asthma	7.7%
Arthritis	25.9%
Kidney disease	3.2%
Pulmonary disease	7.2%
Cancer	9.4%

Behavior / access	%
Smoking	11.9%
Binge drinking	14.0%
No physical activity	21.6%
Less than 7 hrs sleep	28.2%
Depression	15.7%
Fair or poor health	12.6%
Poor mental health	12.0%
Poor physical health	9.6%
No health insurance	16.9%
Visited doctor (checkup)	76.0%
Visited dentist	69.9%
Cholesterol screening	93.5%
Teeth loss	9.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,978	9.3%

Disability	%
Any disability	12.5%
Under 18	1.3%
18–64 years	4.9%
65 and over	26.8%

Health insurance coverage

Type	%
Private insurance	72.2%
Public insurance	43.6%
No insurance	6.7%
Uninsured under 19	12.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	24,925	96.4%
Spanish	1,673	6.7%
Other Indo-European	900	3.6%
Asian & Pacific Islander	344	1.4%
Other languages	429	1.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	20,648	79.9%
Born in same state	19,859	76.8%
Born in different state	5,318	20.6%
Foreign born	789	3.1%
Naturalized citizen	5,197	20.1%
Not a US citizen	3,251	62.6%

Ancestry

Ancestry	Count	%
French	2,892	11.2%
Italian	2,624	10.2%
Arab	2,250	8.7%
Irish	427	1.7%
English	379	1.5%

Ancestry	Count	%
German	349	1.4%
Polish	228	0.9%
Dutch	202	0.8%
Norwegian	85	0.3%

Technology access

Metric	% of households
Computer access	45.5%
Internet access	96.6%

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

Frequently asked questions about ZIP code 34109

What city is ZIP code 34109 in?

ZIP code 34109 is primarily assigned to Naples, Florida.

What county is ZIP code 34109 in?

ZIP code 34109 falls within Collier County, Florida.

Does ZIP code 34109 have an older population?

38% of residents in ZIP code 34109 are 65 or older, above the national average of ~17%.

Does ZIP code 34109 have a large retiree population?

51% of households in ZIP code 34109 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 34109?

50% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 34109?

The median home value in ZIP code 34109 is $531,600.

What timezone is ZIP code 34109 in?

ZIP code 34109 observes the EST timezone.