Punta Gorda, FL home prices
Typical home $298,912 · -3.3% in a year · income needed $84,400
The Punta Gorda, FL metro area ranks 322 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -3.3% in a year and -1.4% over five years. With 20% down at 7.11%, the typical home costs about $1,969 a month including 0.85% property tax (Charlotte County rate).
Mortgage on the typical Punta Gorda home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $59,782 | $239,129 | $1,609 | $0 | $360 | $1,969 | $84,400 |
| 10% down | $29,891 | $269,020 | $1,810 | $112 | $360 | $2,282 | $97,800 |
| 5% down | $14,946 | $283,966 | $1,910 | $118 | $360 | $2,389 | $102,400 |
| 3.5% down (FHA) | $10,462 | $293,498 | $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.
Counties in the Punta Gorda area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Charlotte County, FL | $298,906 | -3.3% | 0.85% |
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Frequently asked questions
How much is a house in Punta Gorda?
The typical home in the Punta Gorda, FL metro area is worth $298,912 (Zillow, September 2026).
What salary do you need to buy a house in Punta Gorda?
About $84,400 a year for the typical home with 20% down at 7.11%.