Charlotte County, Florida home prices
Typical home $298,906 · -3.3% in a year · property tax 0.85%
The typical home in Charlotte County is worth $298,906, 20% less than the Florida typical home ($375,361). Values changed -3.3% in the past year and -1.4% over five years. Homeowners here pay a median 0.85% of their home's value in property tax each year ($2,531 on the typical home), versus 0.8% statewide.
Mortgage on the typical Charlotte County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,781 | $239,125 | $1,609 | $0 | $360 | $1,969 | $84,400 |
| 10% down | $29,891 | $269,016 | $1,810 | $112 | $360 | $2,282 | $97,800 |
| 5% down | $14,945 | $283,961 | $1,910 | $118 | $360 | $2,389 | $102,400 |
| 3.5% down (FHA) | $10,462 | $293,492 | $1,974 | $132 | $360 | $2,467 | $105,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.85% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Florida · part of the Punta Gorda metro area.
Florida counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alachua County | $298,912 | -1.3% | 0.96% |
| Polk County | $295,509 | -2.2% | 0.73% |
| Duval County | $294,079 | -0.3% | 0.75% |
| Jefferson County | $305,552 | +4.4% | 0.62% |
| Hernando County | $306,116 | -1.7% | 0.67% |
| Gilchrist County | $306,253 | +2.4% | 0.65% |
| Leon County | $291,390 | +1.5% | 0.79% |
| Okeechobee County | $289,216 | +0.8% | 0.74% |
| Levy County | $287,334 | -0.7% | 0.63% |
| Wakulla County | $285,880 | +0.9% | 0.64% |
Frequently asked questions
What is the average home price in Charlotte County, FL?
The typical home value in Charlotte County is $298,906 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Charlotte County?
About $84,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Charlotte County?
The median effective rate is 0.85% of home value a year (Census ACS 2024 5-year estimates).