City · 66,133 residents · Charlotte County, Florida
Port Charlotte, Florida
In Port Charlotte, a typical home is worth $269,900 and typical rent is $1,553 a month. Compared with all of Charlotte County, the typical home value is 18% lower and typical household income is 9% lower.
Typical home value from Zillow, September 2021 to September 2026: from $266,993 to $268,275.
Typical rent
$1,741a month
▼ 2.2% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,505 to $1,741.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Port Charlotte is in Charlotte County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Charlotte County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Rotonda, the typical rent is $1,155: 26% less than in Port Charlotte ($1,553).
2
The typical home in Port Charlotte is worth $269,900,18% less than in Charlotte County as a whole ($328,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Port Charlotte
What homes there are in Port Charlotte, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Port Charlotte
Charlotte County
Florida
United States
Kind of home: Port Charlotte and its comparisons
Measure
Port Charlotte
Charlotte County
Florida
United States
Detached house
86%
68%
55%
61%
Attached house
3%
3%
7%
6%
Building of 2 to 4
1%
5%
6%
8%
Apartments (5 or more)
9%
13%
25%
19%
Mobile home
Unreliable estimate
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Port Charlotte, 9 in 10 homes are single-family detached houses; in Charlotte County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Port Charlotte
Charlotte County
Florida
United States
Year built: Port Charlotte and its comparisons
Measure
Port Charlotte
Charlotte County
Florida
United States
Before 1960
5%
3%
10%
26%
1960–1979
36%
22%
24%
24%
1980–1999
43%
40%
34%
25%
2000–2009
13%
22%
18%
14%
2010 or later
4%
14%
14%
11%
In Port Charlotte, half of the homes were built before 1983; in Charlotte County, before 1991.
Homes in Port Charlotte are bigger: 61% have 3 bedrooms or more; in Charlotte County, 57%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K6%
$100K–$200K18%
$200K–$300K38%
$300K–$500K29%
$500K–$750K6%
FHA limit: $541,287
$750K–$1M3%
$1M or more2%
Value of owner-occupied homes: Port Charlotte and its comparisons
Measure
Port Charlotte
Under $100K
6%
$100K–$200K
18%
$200K–$300K
38%
$300K–$500K
29%
$500K–$750K
6%
$750K–$1M
3%
$1M or more
2%
About 91% of owner-occupied homes in Port Charlotte are worth less than the FHA loan limit for Charlotte County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99911%
$1,000–$1,49930%
$1,500–$1,99928%
$2,000–$2,49916%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Port Charlotte and its comparisons
Measure
Port Charlotte
Under $500
Unreliable estimate
$500–$999
11%
$1,000–$1,499
30%
$1,500–$1,999
28%
$2,000–$2,499
16%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,525 a month
Charlotte County: $1,773 a month
Without a mortgage
$567 a month
Charlotte County: $678 a month
Owners with a mortgage
55%
Charlotte County: 46%
The typical cost for an owner with a mortgage in Port Charlotte is $1,525 a month, less than in Charlotte County ($1,773); without one, $567.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port Charlotte+65%
Charlotte County+68%
Florida+67%
United States+53%
Typical rent
Port Charlotte+53%
Charlotte County+42%
Florida+42%
United States+33%
Typical household income
Port Charlotte+37%
Charlotte County+36%
Florida+34%
United States+29%
Change since 2015–2019: Port Charlotte and its comparisons
Measure
Port Charlotte
Charlotte County
Florida
United States
Typical home value
+65%
+68%
+67%
+53%
Typical rent
+53%
+42%
+42%
+33%
Typical household income
+37%
+36%
+34%
+29%
From 2015–2019 to 2020–2024, the typical home value in Port Charlotte rose 65%; in Charlotte County, it rose 68%.
Rents in Port Charlotte rose faster than in Charlotte County: 53% since 2015–2019, against 42%.
The typical household income in Port Charlotte rose 37%: less than home values (+65%) and rent (+53%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port Charlotte and its comparisons
Measure
Port Charlotte
Charlotte County
Florida
United States
Rental vacancy
10.1%
11.8%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.9%
1.4%
0.9%
More than one person per room
1.5%
1.3%
3.3%
3.4%
People per household
2.34
2.17
2.51
2.53
Drive alone
74%
72%
70%
69%
Carpool
8%
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
1%
2%
2%
3%
Work from home
13%
16%
16%
15%
Other means
3%
3%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Port Charlotte is 10.1%, lower than in Charlotte County (11.8%).
More than one person per room: that is how 1.5% of households in Port Charlotte live, near the figure in Charlotte County (1.3%).
More people live in each home here: 2.34 on average, against 2.17 in Charlotte County.
To get to work, 74% of workers in Port Charlotte drive alone; in Charlotte County, 72%.
Do the math
What would you pay each month for a home in Port Charlotte?
A typical home costs more than the typical income allows
We start with a typical home in Port Charlotte, worth $269,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Port Charlotte, which is $63,844 a year. For that payment to be 28% of income, a household would need to earn about $94,877 a year.
The calculator's FHA and conventional loan limits are those of all of Charlotte County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Port Charlotte. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $9,447 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,214
at 7.18% · 30 years
Loan amount
$265,011
Total interest
$381,289
Paid off in
November 2056
Includes $4,558 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,490 a month
Tight
$1,490 to $1,915 a month
Hard
more than $1,915 a month
Your payment · 42%
Compared with the typical household income in Port Charlotte ($63,844 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,795
Property tax
$187
Home insurance
$113
FHA mortgage insurance (MIP)
$119
You need at least $9,447 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,214; principal and interest $1,795.
The city and its county
Port Charlotte and Charlotte County
Port Charlotte is in Charlotte County, Florida. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Port Charlotte
Map of Charlotte County, Florida, with Port Charlotte marked. Around it, the neighboring counties.
Port Charlotte
Charlotte County
Other cities with a page
Port Charlotte's own numbers
Typical home value
$269,900
Typical monthly rent
$1,553
Typical yearly household income
$63,844
Households that own their home
83%
Effective property tax rate
0.83%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Charlotte County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,575
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
49%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Charlotte County.
A typical home in Port Charlotte is worth $269,900: 18% below the county and 25% below Florida. With the typical household income in Port Charlotte ($63,844 a year), a typical home costs 4.2 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Port Charlotte4.2 years
Charlotte4.7 years
Florida4.8 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Charlotte County
According to FHFA’s house price index, home prices in Charlotte County rose 106% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Charlotte County.
Yearly change in FHFA’s price index in Charlotte County, 2016 to 2025
2016: +11.3% +11.3% 2016
2017: +9.0% +9.0% 2017
2018: +6.4% +6.4% 2018
2019: +5.3% +5.3% 2019
2020: +3.6% +3.6% 2020
2021: +19.9% +19.9% 2021
2022: +30.3% +30.3% 2022
2023: +5.8% +5.8% 2023
2024: −4.5% −4.5% 2024
2025: −7.4% −7.4% 2025
Change in FHFA’s price index in Charlotte County, Florida and the United States
Period
County
Florida
U.S.
Last year (2025)
−7.4%
−0.5%
+2.9%
5 years (2020–2025)
+46%
+60%
+47%
10 years (2015–2025)
+106%
+127%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Port Charlotte next to Charlotte County, Florida and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Port Charlotte$269,900
Charlotte$328,900
Florida$359,000
United States$332,700
Typical monthly rent
Port Charlotte$1,553
Charlotte$1,464
Florida$1,669
United States$1,413
Typical yearly household income
Port Charlotte$63,844
Charlotte$69,952
Florida$74,568
United States$80,734
See the full table
Port Charlotte next to Charlotte County and Florida
Measure
Port Charlotte
Charlotte County
Florida
U.S.
Typical home value
$269,900 ▼18% below the county
$328,900
$359,000
$332,700
Typical monthly rent
$1,553 ▲6% above the county
$1,464
$1,669
$1,413
Typical yearly household income
$63,844 ▼9% below the county
$69,952
$74,568
$80,734
Households that own their home
83% ▼1 points below the county
84%
68%
65%
Typical yearly property tax
$2,252 ▼19% below the county
$2,785
$2,730
$3,119
Effective property tax rate
0.83% ▼0.02 points below the county
0.85%
0.76%
0.94%
Renters with high rent for their income
67% ▲4 points above the county
62%
60%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Charlotte County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Port Charlotte
For a typical $269,900 home in Port Charlotte, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Charlotte's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,214a month
Least cash to close
Down payment
$9,447
Cash to close
$17,544
Rate
7.18%
Mortgage insurance
FHA MIP · $119
Conventional, 5% down$2,164a month
Down payment
$13,495
Cash to close
$21,592
Rate
7.18%
Mortgage insurance
PMI · $128
Conventional, 20% down, no PMI$1,762a month
Down payment
$53,980
Cash to close
$62,077
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,011a month
Down payment
$40,485
Cash to close
$48,582
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port Charlotte
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,214
$9,447
$265,011
7.18%
FHA MIP · $119
$17,544
580
Conventional, 5% down
$2,164
$13,495
$256,405
7.18%
PMI · $128
$21,592
620*
Conventional, 20% down, no PMI
$1,762
$53,980
$215,920
7.18%
None
$62,077
620*
ITIN, 15% down (example)
$2,011
$40,485
$229,415
8.18%
None
$48,582
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Port Charlotte is $1,553 a month: 6% above the county. In Port Charlotte, 67% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Charlotte County, by unit size. To pay the 2-bedroom one ($1,575 a month) without spending more than 30% of your income, you would need to earn $30.29 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Charlotte County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,097
$21.10
$43,880
1 bedroom
$1,204
$23.15
$48,160
2 bedrooms
$1,575
$30.29
$63,000
3 bedrooms
$2,137
$41.10
$85,480
4 bedrooms
$2,556
$49.15
$102,240
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Port Charlotte
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Charlotte has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,490 in 33952 to $1,660 in 33948.
1 of the 2 is above the fair market rent for Charlotte County ($1,575).
Fair market rent by ZIP code and size in Port Charlotte, fiscal year 2027.
33948
$1,160
$1,270
$1,660
$2,250
$2,690
33952
$1,050
$1,140
$1,490
$2,020
$2,420
ZIP code2 bd3 bd
33948 $1,660$2,250
33952 $1,490$2,020
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Charlotte when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 7 buildings with rents for lower incomes in Port Charlotte. These are the largest.
Hampton Point2511 Luther Rd, Port Charlotte 33983284 low-income homes · 2 bd: 116 · 3 bd: 128 · 4 bd: 40 · In service since 2005 · For families
Murdock Circle17840 Murdock Cir, Port Charlotte 33948264 low-income homes · 1 bd: 80 · 2 bd: 96 · 3 bd: 64 · 4 bd: 24 · In service since 2002 · For families
Charleston Cay23450 Charleston Cir, Port Charlotte 33980128 low-income homes · 1 bd: 24 · 2 bd: 56 · 3 bd: 48 · In service since 2007 · For families
Charlotte Towers2295 Aaron St, Port Charlotte 3395297 low-income homes · For older adults(941) 629-6664
Villa San Carlos II22250 Vick St, Port Charlotte 3398054 homes, 53 low-income · For older adults(941) 624-4404
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Charlotte County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Port Charlotte or Charlotte County. The ones below are statewide in Florida: they work in Port Charlotte the same as in the rest of the state.
Florida Housing second loan with no interest and no monthly payments, repaid when you sell or refinance.Offered by Florida Housing Finance Corporation.
The HUD-approved agencies closest to the center of Port Charlotte, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
LC
Lee County Housing Development Corporation
3677 Central Ave Ste F, Fort Myers · 30 miles away · Spanish
No legal help resource on our list is for Port Charlotte or Charlotte County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Port Charlotte and all of Charlotte County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Port Charlotte?
The typical home value in Port Charlotte is $269,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Charlotte County it is $328,900.
How much does it cost to rent in Port Charlotte?
Typical rent in Port Charlotte is $1,553 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Charlotte County is $1,575.
What is the FHA loan limit in Port Charlotte?
Port Charlotte uses the FHA limit for all of Charlotte County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Port Charlotte?
The typical homeowner in Port Charlotte pays $2,252 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Charlotte County, the rate is 0.85%.
Where can I find free help to buy or rent in Port Charlotte?
We found no HUD-approved counseling agencies with an office in Charlotte County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
