Zip lookup · FL

33928
Estero, Florida.

Estero, Lee County, FL · Cape Coral-Fort Myers, FL metro · population 31,926

What it costs per month · 33928 $2,480/mo

to buy the typical home at today's mortgage rate — +$1,312 (+112%) since Jan 2020.

What the home itself did
1 year
Down $11,376 -2%
$483,932$472,556 since Sep 2025
5 years
Up $73,934 +19%
$398,622$472,556 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$1,000 $2,000 $3,000 2002 2006 2010 2014 2018 2022 2026 33928 $2,480 United States $1,922
$1,000 $2,000 $3,000 2002 2010 2018 2026
  • 33928$2,480
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 20 years.

Typical home values in zip 33928 fell 2.4% over the past year — slower than the nation's +1.2%.

Asking rents in zip 33928 rose 3.2% over the past year — faster than the nation's +2.7%.

Owning the typical home in zip 33928 runs $777/mo more than renting one. The gap peaked at $1,472 in Apr 2024.

That is $3,297 a month against $2,520 rent: a $2,480 mortgage payment, plus $311 property tax and $506 insurance & upkeep.

Owning vs renting — zip 33928

The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.

$1,000 $2,000 $3,000 $4,000 2018 2019 2020 2021 2022 2023 2024 2025 2026 Owning all in $3,297 Renting $2,520 Mortgage only $2,480
$1,000 $2,000 $3,000 $4,000 2018 2022 2026
  • Owning all in$3,297
  • Renting$2,520
  • Mortgage only$2,480

Property tax · $311/mo 0.79% of value a year — the ACS 2020-2024 median bill over the median home value for Lee County, FL

Insurance & upkeep · $506/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.

Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.

Zillow also publishes an index for the city itself: Estero, FL — measured over the city limits, which is a different area from this zip.

Asking rent $2,520 as of Sep 2026
+3.2%year on year
Typical home value $472,556 as of Sep 2026
-2.4%year on year

Asking rent — 33928

Against the Cape Coral-Fort Myers, FL metro and the national benchmark.

$1,500 $2,000 $2,500 2018 2019 2020 2021 2022 2023 2024 2025 2026 33928 $2,520 Cape Coral $1,827 United States $1,932
$1,500 $2,000 $2,500 2018 2022 2026
  • 33928$2,520
  • Cape Coral$1,827
  • United States$1,932

Typical home value — 33928

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 33928 $472,556 Cape Coral $334,479 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 33928$472,556
  • Cape Coral$334,479
  • United States$366,157

Within 20 miles

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
4.8 34135 Bonita Springs 48,252 $2,614 $456,564
5.7 33913 Fort Myers 31,538 $1,988 $439,551
6.8 33967 Fort Myers 28,341 $2,063 $350,847
9.1 34134 Bonita Springs 16,475 $4,126 $629,422
9.8 33912 Fort Myers 19,533 $1,917 $375,507
10.7 34110 Naples 25,630 $2,668 $600,141
10.9 33976 Lehigh Acres 20,277 $1,996 $281,755
11.0 33974 Lehigh Acres 19,927 $1,899 $284,668
11.5 34120 Naples 42,345 $2,651 $546,486
11.5 33973 Lehigh Acres 14,392 $1,623 $279,997
11.7 34119 Naples 36,807 $2,775 $644,313
12.4 33931 Fort Myers Beach 8,350 $2,700 $483,479
12.6 33966 Fort Myers 12,513 $1,750 $333,344
13.1 33908 Fort Myers 37,423 $1,790 $319,110
13.4 33907 Fort Myers 25,033 $1,406 $198,448
13.9 34109 Naples 27,273 $2,393 $581,176
14.0 33971 Lehigh Acres 30,790 $1,984 $283,484
14.4 34108 Naples 16,237 $8,197 $992,971
14.6 33919 Fort Myers 30,412 $1,713 $243,376
15.9 33972 Lehigh Acres 17,285 $1,922 $310,058
16.3 33936 Lehigh Acres 27,967 $1,549 $233,515
16.3 33916 Fort Myers 27,943 $1,556 $210,123
16.4 33905 Fort Myers 41,381 $1,744 $279,385
16.8 33901 Fort Myers 24,481 $1,463 $256,001
17.1 34116 Naples 35,591 $2,235 $450,933
17.3 34105 Naples 15,441 $2,222 $451,999
17.5 33904 Cape Coral 33,599 $1,976 $336,011
17.8 34103 Naples 11,299 $7,017 $1,100,066
19.6 34104 Naples 26,408 $2,298 $349,895
19.8 33990 Cape Coral 34,713 $1,860 $320,960

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.