34104 Property Tax Rate
Naples, Florida · Part of Collier County
Effective Tax Rate
0.62%
18.9% below state avgMedian Annual Tax
$2,145
$179/mo escrow
Estimate Your Tax
Annual Tax
$2,145
Monthly
$179
Eff. Rate
0.62%
Buyer decision brief
What ZIP 34104 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$179/mo
Based on median annual tax paid
State context
0.15 percentage points below the Florida average
Florida average: 0.76%
Data confidence
High confidenceThe Census margin of error is $146, about 7% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Collier County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 34104 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$146 tax MOE, 7% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Collier County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 34104
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $348,600, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.62%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Florida and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $179 per month before insurance, HOA dues, or special assessments.
Assessor verification
Collier County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 34104 Compares
Median Annual Property Tax
ZIP 34104
0.62%
Effective rate
Florida Avg
0.76%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Florida
Lower than 83% of ZIP codes in Florida(17th percentile, 928 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 34104
Property owners in ZIP code 34104 (Naples, Florida) pay a median of $2,145/year in property taxes on homes valued at $348,600. This translates to an effective tax rate of 0.62%, which is 20% below the Florida state average of 0.76%.
The monthly property tax burden for a median-valued home in 34104 is approximately $179, which factors into escrow payments on mortgages. This ZIP code is located within Collier County. This is $500 less than the Florida average of $2,645/year.
Compared to similar ZIP codes in Florida, 34104 has lower property taxes. ZIP codes with similar effective rates include 32330 (0.62%) and 32348 (0.62%).
In Naples, property taxes represent approximately 3.1% of the median household income of $70,301, providing context for the relative tax burden on homeowners in this area.
Under Florida's Save Our Homes Act, your property tax is capped at a 3% annual increase once you establish homestead status, but the assessment resets to market value at sale. Collier County offers a $25,000 homestead exemption plus an additional $25,000 exemption on non-school taxes — file with the Collier County Property Appraiser by March 1 of the year following purchase to activate the 3% cap. Submit your homestead application to the Collier County Property Appraiser within 60 days of purchase to ensure your exemption is recorded on your first tax bill.
Frequently Asked Questions
What is the property tax rate in ZIP code 34104?
How much are property taxes in Naples, FL (34104)?
How does ZIP 34104 compare to the Florida average?
What is the median home value in ZIP 34104?
What county is ZIP code 34104 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$146. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 34104 is part of Collier County, Florida. View the full county profile for broader context and more data.
View Collier County on TaxByCounty →Explore Naples, FL
View all 14 ZIP codes in Naples with property tax comparisons.
View Naples Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 34104
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
34116
Naples, FL
0.11 percentage points lower than ZIP 34104.
Rate
0.50%
Tax
$1,974
Quality
101
34117
Naples, FL
0.07 percentage points lower than ZIP 34104.
Rate
0.55%
Tax
$2,282
Quality
101
34103
Naples, FL
0.06 percentage points lower than ZIP 34104.
Rate
0.55%
Tax
$5,169
Quality
101
34102
Naples, FL
0.02 percentage points lower than ZIP 34104.
Rate
0.60%
Tax
$8,480
Quality
96
34112
Naples, FL
0.01 percentage points lower than ZIP 34104.
Rate
0.61%
Tax
$1,782
Quality
101
34138
Chokoloskee, FL
0.04 percentage points lower than ZIP 34104.
Rate
0.58%
Tax
$1,272
Quality
89
33109
Miami Beach, FL
0.12 percentage points lower than ZIP 34104.
Rate
0.50%
Tax
$10,001
Quality
82
33921
Boca Grande, FL
0.12 percentage points lower than ZIP 34104.
Rate
0.50%
Tax
$10,001
Quality
68
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.