City · 10,352 residents · Charlotte County, Florida
Rotonda, Florida
In Rotonda, a typical home is worth $389,400 and typical rent is $1,155 a month. Compared with all of Charlotte County, typical rent is 21% lower and the typical home value is 18% higher.
Rotonda 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 Port Charlotte, the typical home value is $269,900: 31% less than in Rotonda ($389,400).
2
The typical rent in Rotonda is $1,155 a month, 21% less than in Charlotte County as a whole ($1,464).
3
The typical home in Rotonda is worth $389,400,18% more than in Charlotte County as a whole ($328,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rotonda
What homes there are in Rotonda, 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
Rotonda
Charlotte County
Florida
United States
Kind of home: Rotonda and its comparisons
Measure
Rotonda
Charlotte County
Florida
United States
Detached house
69%
68%
55%
61%
Attached house
Unreliable estimate
3%
7%
6%
Building of 2 to 4
6%
5%
6%
8%
Apartments (5 or more)
22%
13%
25%
19%
Mobile home
Unreliable estimate
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Rotonda: 69% of homes, near the figure in Charlotte County (68%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rotonda
Charlotte County
Florida
United States
Year built: Rotonda and its comparisons
Measure
Rotonda
Charlotte County
Florida
United States
Before 1960
Unreliable estimate
3%
10%
26%
1960–1979
12%
22%
24%
24%
1980–1999
40%
40%
34%
25%
2000–2009
32%
22%
18%
14%
2010 or later
15%
14%
14%
11%
The typical home in Rotonda was built in 1998, 7 years after the typical one in Charlotte County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K12%
$200K–$300K14%
$300K–$500K46%
$500K–$750K22%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rotonda and its comparisons
Measure
Rotonda
Under $100K
Unreliable estimate
$100K–$200K
12%
$200K–$300K
14%
$300K–$500K
46%
$500K–$750K
22%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49919%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rotonda and its comparisons
Measure
Rotonda
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
19%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,940 a month
Charlotte County: $1,773 a month
Without a mortgage
$772 a month
Charlotte County: $678 a month
Owners with a mortgage
43%
Charlotte County: 46%
Owning costs more in Rotonda: with a mortgage, the typical cost is $1,940 a month; in Charlotte County, $1,773. Without one, $772.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rotonda+53%
Charlotte County+68%
Florida+67%
United States+53%
Typical rent
RotondaNo clear change
Charlotte County+42%
Florida+42%
United States+33%
Typical household income
Rotonda+52%
Charlotte County+36%
Florida+34%
United States+29%
Change since 2015–2019: Rotonda and its comparisons
Measure
Rotonda
Charlotte County
Florida
United States
Typical home value
+53%
+68%
+67%
+53%
Typical rent
No clear change
+42%
+42%
+33%
Typical household income
+52%
+36%
+34%
+29%
The typical home value in Rotonda rose 53% since 2015–2019, less than in Charlotte County (68%).
Since 2015–2019, the typical rent in Rotonda did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rotonda and its comparisons
Measure
Rotonda
Charlotte County
Florida
United States
Rental vacancy
Unreliable estimate
11.8%
7.6%
5.5%
Homeowner vacancy
Unreliable estimate
1.9%
1.4%
0.9%
More than one person per room
Unreliable estimate
1.3%
3.3%
3.4%
People per household
1.94
2.17
2.51
2.53
Drive alone
66%
72%
70%
69%
Carpool
Unreliable estimate
8%
9%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
24%
16%
16%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.94 on average, against 2.17 in Charlotte County.
In Rotonda, 24% of workers work from home, more than in Charlotte County (16%).
Do the math
What would you pay each month for a home in Rotonda?
A typical home costs more than the typical income allows
We start with a typical home in Rotonda, worth $389,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 51% of the typical household income in Rotonda, which is $74,573 a year. For that payment to be 28% of income, a household would need to earn about $136,606 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 Rotonda. 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 $13,629 (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
$3,187
at 7.18% · 30 years
Loan amount
$382,347
Total interest
$550,108
Paid off in
November 2056
Includes $6,576 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,740 a month
Tight
$1,740 to $2,237 a month
Hard
more than $2,237 a month
Your payment · 51%
Compared with the typical household income in Rotonda ($74,573 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,590
Property tax
$263
Home insurance
$162
FHA mortgage insurance (MIP)
$172
You need at least $13,629 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 $3,187; principal and interest $2,590.
The city and its county
Rotonda and Charlotte County
Rotonda 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).
Rotonda
Map of Charlotte County, Florida, with Rotonda marked. Around it, the neighboring counties.
Rotonda
Charlotte County
Other cities with a page
Rotonda's own numbers
Typical home value
$389,400
Typical monthly rent
$1,155
Typical yearly household income
$74,573
Households that own their home
86%
Effective property tax rate
0.81%
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 Rotonda is worth $389,400: 18% above the county and 8% above Florida. With the typical household income in Rotonda ($74,573 a year), a typical home costs 5.2 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.
Rotonda5.2 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
Rotonda 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
Rotonda$389,400
Charlotte$328,900
Florida$359,000
United States$332,700
Typical monthly rent
Rotonda$1,155
Charlotte$1,464
Florida$1,669
United States$1,413
Typical yearly household income
Rotonda$74,573
Charlotte$69,952
Florida$74,568
United States$80,734
See the full table
Rotonda next to Charlotte County and Florida
Measure
Rotonda
Charlotte County
Florida
U.S.
Typical home value
$389,400 ▲18% above the county
$328,900
$359,000
$332,700
Typical monthly rent
$1,155 ▼21% below the county
$1,464
$1,669
$1,413
Typical yearly household income
$74,573 ▲7% above the county
$69,952
$74,568
$80,734
Households that own their home
86% ▲2 points above the county
84%
68%
65%
Typical yearly property tax
$3,154 ▲13% above the county
$2,785
$2,730
$3,119
Effective property tax rate
0.81% ▼0.04 points below the county
0.85%
0.76%
0.94%
“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 Rotonda
For a typical $389,400 home in Rotonda, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rotonda's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,187a month
Least cash to close
Down payment
$13,629
Cash to close
$25,311
Rate
7.18%
Mortgage insurance
FHA MIP · $172
Conventional, 5% down$3,116a month
Down payment
$19,470
Cash to close
$31,152
Rate
7.18%
Mortgage insurance
PMI · $185
Conventional, 20% down, no PMI$2,535a month
Down payment
$77,880
Cash to close
$89,562
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,895a month
Down payment
$58,410
Cash to close
$70,092
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rotonda
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,187
$13,629
$382,347
7.18%
FHA MIP · $172
$25,311
580
Conventional, 5% down
$3,116
$19,470
$369,930
7.18%
PMI · $185
$31,152
620*
Conventional, 20% down, no PMI
$2,535
$77,880
$311,520
7.18%
None
$89,562
620*
ITIN, 15% down (example)
$2,895
$58,410
$330,990
8.18%
None
$70,092
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 Rotonda is $1,155 a month: 21% below the county.
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 Rotonda
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rotonda is in ZIP code 33947.
For 2 bedrooms it is $1,660: $85 more than the fair market rent for Charlotte County ($1,575).
Fair market rent by ZIP code and size in Rotonda, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
33947
$1,160
$1,270
$1,660
$2,250
$2,690
ZIP code2 bd3 bd
33947 $1,660$2,250
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rotonda 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)
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 Rotonda or Charlotte County. The ones below are statewide in Florida: they work in Rotonda 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.
No legal help resource on our list is for Rotonda 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 Rotonda 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 Rotonda?
The typical home value in Rotonda is $389,400, 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 Rotonda?
Typical rent in Rotonda is $1,155 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 Rotonda?
Rotonda 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 Rotonda?
The typical homeowner in Rotonda pays $3,154 a year, according to the U.S. Census Bureau. That is 0.81% of the home’s value; in Charlotte County, the rate is 0.85%.
Where can I find free help to buy or rent in Rotonda?
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.
