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City · 20,278 residents · Charlotte County, Florida

Punta Gorda , Florida

In Punta Gorda, a typical home is worth $518,100 and typical rent is $1,410 a month. Compared with all of Charlotte County, the typical home value is 58% higher and typical household income is 23% higher.

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  • Typical home value

    $518,100

    58% above the county

    44% above Florida

    • Punta Gorda
    • Charlotte
    • Florida

  • Typical rent

    $1,410a month

    4% below the county

    16% below Florida

    • Punta Gorda
    • Charlotte
    • Florida

  • Typical household income

    $85,779a year

    23% above the county

    15% above Florida

    • Punta Gorda
    • Charlotte
    • Florida

  • Households that own their home

    82%

    2 points below the county

    14 points above Florida

    • Punta Gorda
    • Charlotte
    • Florida

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$334,685
3.7% less than 12 months ago
Typical rent
$2,041 a month
1% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Punta Gorda 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Punta Gorda apart

What this place has that others do not, from public data, most unusual first.

  1. The typical home in Punta Gorda is worth $518,100, 58% more than in Charlotte County as a whole ($328,900).

  2. Nearby, in Port Charlotte, the typical home value is $269,900: 48% less than in Punta Gorda ($518,100).

  3. Nearby, in Rotonda, the typical rent is $1,155: 18% less than in Punta Gorda ($1,410).

  4. The typical household income in Punta Gorda is $85,779, 23% more than in Charlotte County as a whole ($69,952).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Punta Gorda

What homes there are in Punta Gorda, 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 houses are the majority in Punta Gorda (57%), but less so than in Charlotte County (68%).

Year built

In Punta Gorda, half of the homes were built before 1994; in Charlotte County, before 1991.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Charlotte County is $541,287: about 52% of owner-occupied homes in Punta Gorda are worth less, and the rest more.

Monthly rent with utilities

With a mortgage

$2,758 a month

Charlotte County: $1,773 a month

Without a mortgage

$986 a month

Charlotte County: $678 a month

Owners with a mortgage

34%

Charlotte County: 46%

The typical cost for an owner with a mortgage in Punta Gorda is $2,758 a month, more than in Charlotte County ($1,773); without one, $986.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Punta Gorda rose 59% since 2015–2019, less than in Charlotte County (68%).

Rents in Punta Gorda rose more slowly than in Charlotte County: 37% since 2015–2019, against 42%.

The typical household income in Punta Gorda rose 40% over that time; home values changed +59% and rent +37%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasurePunta GordaCharlotte CountyFloridaUnited States
Rental vacancy Unreliable estimate11.8%7.6%5.5%
Homeowner vacancy Unreliable estimate1.9%1.4%0.9%
More than one person per room Unreliable estimate1.3%3.3%3.4%
People per household 1.962.172.512.53
Drive alone 71%72%70%69%
Carpool Unreliable estimate8%9%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 19%16%16%15%
Other means Unreliable estimate3%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Punta Gorda are smaller: 1.96 people on average; in Charlotte County, 2.17.

To get to work, 71% of workers in Punta Gorda drive alone; in Charlotte County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Punta Gorda?

A typical home costs more than the typical income allows

We start with a typical home in Punta Gorda, worth $518,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 60% of the typical household income in Punta Gorda, which is $85,779 a year. For that payment to be 28% of income, a household would need to earn about $183,791 a year.

The calculator's FHA and conventional loan limits are those of all of Charlotte County.

Your numbers

Local data
$

Starts at the typical home value in Punta Gorda. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $18,134 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$4,289

at 7.18% · 30 years

Loan amount
$508,715
Total interest
$731,922
Paid off in
November 2056

Includes $8,749 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,002 a month

  • Tight

    $2,002 to $2,573 a month

  • Hard

    more than $2,573 a month

    Your payment · 60%

Compared with the typical household income in Punta Gorda ($85,779 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,289
Principal & interest$3,446
Property tax$397
Home insurance$216
FHA mortgage insurance (MIP)$229

You need at least $18,134 for the down payment, plus closing costs.

Next step

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.

The city and its county

Punta Gorda and Charlotte County

Punta Gorda 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).

Punta Gorda's own numbers

Typical home value
$518,100
Typical monthly rent
$1,410
Typical yearly household income
$85,779
Households that own their home
82%
Effective property tax rate
0.92%

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.

Everything about Charlotte County

Buying

Buying a home in Punta Gorda

A typical home in Punta Gorda is worth $518,100: 58% above the county and 44% above Florida. With the typical household income in Punta Gorda ($85,779 a year), a typical home costs 6.0 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.

  • Punta Gorda 6.0 years
  • Charlotte 4.7 years
  • Florida 4.8 years
  • United States 4.1 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.

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

Punta Gorda 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
  • Punta Gorda $518,100
  • Charlotte $328,900
  • Florida $359,000
  • United States $332,700
Typical monthly rent
  • Punta Gorda $1,410
  • Charlotte $1,464
  • Florida $1,669
  • United States $1,413
Typical yearly household income
  • Punta Gorda $85,779
  • Charlotte $69,952
  • Florida $74,568
  • United States $80,734
See the full table
Punta Gorda next to Charlotte County and Florida
Measure Punta Gorda Charlotte County Florida U.S.
Typical home value $518,100 $328,900 $359,000 $332,700
Typical monthly rent $1,410 $1,464 $1,669 $1,413
Typical yearly household income $85,779 $69,952 $74,568 $80,734
Households that own their home 82% 84% 68% 65%
Typical yearly property tax $4,774 $2,785 $2,730 $3,119
Effective property tax rate 0.92% 0.85% 0.76% 0.94%
Renters with high rent for their income 70% 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 Punta Gorda

For a typical $518,100 home in Punta Gorda, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Punta Gorda's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,288a month

    Least cash to close
    Down payment
    $18,134
    Cash to close
    $33,677
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $229

  • Conventional, 5% down $4,193a month

    Down payment
    $25,905
    Cash to close
    $41,448
    Rate
    7.18%
    Mortgage insurance
    PMI · $246

  • Conventional, 20% down, no PMI $3,421a month

    Down payment
    $103,620
    Cash to close
    $119,163
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,900a month

    Down payment
    $77,715
    Cash to close
    $93,258
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Punta Gorda and for Charlotte County.

Property tax

Effective rate in Punta Gorda

0.92%of the home’s value each year

$4,774 a year for the typical owner in Punta Gorda.

  • Punta Gorda 0.92%
  • Charlotte 0.85%
  • Florida 0.76%

What Florida publishes Homestead exemption (Florida Department of Revenue)

Exemptions and deadlines in Florida

Flood risk in Charlotte County

FEMA does not publish these numbers by city: they are for all of Charlotte County.

Homes in the high-risk zone
49%
49,038
Of those, with NFIP insurance
58%
County Florida U.S.
Homes in the high-risk zone 49% 13% 3.5%
Of those, with NFIP insurance 58% 67% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Punta Gorda

Typical rent in Punta Gorda is $1,410 a month: 4% below the county. In Punta Gorda, 70% 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.

HUD fair market rent for all of Charlotte County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Punta Gorda

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Punta Gorda has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,540 in 33950 to $1,820 in 33955.

1 of the 2 is above the fair market rent for Charlotte County ($1,575).

  • 33950 $1,540$2,090
  • 33955 $1,820$2,450

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Punta Gorda 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Punta Gorda

HUD lists 10 buildings with rents for lower incomes in Punta Gorda. These are the largest.

  • Seven Palms 1200 Slash Pine Cir, Punta Gorda 33950 336 low-income homes · 1 bd: 15 · 2 bd: 141 · 3 bd: 84 · In service since 2002 · For families
  • Gulf Breeze 340 Gulf Breeze Ave, Punta Gorda 33950 170 homes, 168 low-income · 1 bd: 56 · 2 bd: 74 · 3 bd: 2 · 4 bd: 38 · In service since 2008 · For families
  • Gulf Breeze Apartments 325 Gulf Breeze Ave, Punta Gorda 33950 171 homes, 85 low-income · Run by Punta Gorda Housing Authority · Average payment: $548 a month · Average wait: 21 months (941) 639-4344
  • Charlotte Crossing 520 Rio De Janeiro Ave, Punta Gorda 33983 82 low-income homes · 1 bd: 41 · 2 bd: 41 · In service since 2011 · For older adults
  • The Verandas of Punta Gorda - Phase II 24500 Airport Rd, Punta Gorda 33950 35 low-income homes · Run by Punta Gorda Housing Authority · Average payment: $439 a month · Homes at several sites (941) 639-4344

See all 19 buildings in Charlotte County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Punta Gorda

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Punta Gorda

No down payment, repair or rent-help program on our list is for Punta Gorda or Charlotte County. The ones below are statewide in Florida: they work in Punta Gorda the same as in the rest of the state.

Which programs do I qualify for? All programs in Florida

Housing counselors near Punta Gorda

The HUD-approved agencies closest to the center of Punta Gorda, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Lee County Housing Development Corporation

    3677 Central Ave Ste F, Fort Myers · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (239) 275-5105

  • Affordable Homeownership Foundation Inc

    5264 Clayton Ct Ste 1, Fort Myers · 25 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 11 more
    (239) 689-4944

  • Habitat for Humanity of Lee and Hendry Counties, Inc.

    12751 New Brittany Blvd Ste 100, Fort Myers · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (239) 652-4663

All counseling agencies in Florida

Help in Spanish near Punta Gorda

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Punta Gorda

HUD’s record names them for Punta Gorda or Charlotte County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Punta Gorda Housing Authority Public housing and Section 8 vouchers (941) 639-4344

All housing agencies in Florida Source: HUD

Cities

Other cities in Charlotte County

These cities are also in Charlotte County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Charlotte County Housing in Florida

Nearby cities

The cities closest to Punta Gorda, with the typical home value.

Neighboring counties

If Charlotte County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Punta Gorda.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Punta Gorda

Short answers with the numbers for Punta Gorda 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 Punta Gorda?

The typical home value in Punta Gorda is $518,100, 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 Punta Gorda?

Typical rent in Punta Gorda is $1,410 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 Punta Gorda?

Punta Gorda 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 Punta Gorda?

The typical homeowner in Punta Gorda pays $4,774 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Charlotte County, the rate is 0.85%.

Where can I find free help to buy or rent in Punta Gorda?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).