Port Charlotte, FL—33946
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Port Charlotte, FL
As of Oct '25, the median home price in Port Charlotte, FL is $535,000, with a year-over-year change of -13.4%. This indicates that home prices in Port Charlotte, FL are decreasing. According to Zillow, the 1-year price projection is -1.7%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $535,000 | -13.4% |
| Single Family | $587,000 | -13.0% |
| Condos | $435,000 | -15.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $227,000 | -20.4% |
2 Bed | $416,000 | -15.8% |
3 Bed | $617,000 | -13.1% |
4 Bed | $981,000 | -9.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Port Charlotte, FL
As of July '25, Rentcast reports the average rent in Port Charlotte, FL is $5,670, with a year-over-year rent change of -3.2%. Per bedroom, the median rent as of July '25 in Port Charlotte, FL is 2-bedrooms: $5,420, 3-bedrooms: $5,770, 4-bedrooms: $5,950. The most common rental property sizes in Port Charlotte, FL are 2-bedroom and 3-bedroom, accounting for 67.8% and 32.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $6,000 | $5,670 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $6,000 | $5,420 |
| 3 Bed Rent | $6,000 | $5,770 |
| 4 Bed Rent | $7,800 | $5,950 |
% of Rental Stock
Property Listings — Port Charlotte, FL
As of Oct '25, Realtor.com reports that the median days on market for a home in Port Charlotte, FL is 139. This is a decrease of -1.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $650,000 | -2.0% |
Listing Count | 180 | 28.0% |
| Listings as % of Homes | 1.6% | 28.0% |
Days on Market | 139 | -1.0% |
Demographics — Port Charlotte, FL
As of the latest ACS Survey released in 2023, Port Charlotte, FL has a population of 2,740, which has increased by 18.1% over the past 5 years. Port Charlotte, FL is a less popular place for families, as children make up 5.4% of the population. The area has a moderately educated workforce, with 44.9% of adult residents holding a bachelor’s degree or higher. There are many residents working remotely, with 37.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 2,740 | 18.1% |
% Under 18 | 5.4% | 92.9% |
% Seniors | 45.3% | -21.9% |
% WFH | 37.0% | 92.7% |
% w/ College Degree | 44.9% | 25.4% |
As of the latest ACS Survey released in 2023, Port Charlotte, FL is a predominantly white area, with 95.2% of the population identifying as white. The white population has shrunk by 3.9% in the last 5 years. The second most common race or ethnicity in Port Charlotte, FL is hispanic, making up 2.1% of the population. Foreign-born residents account for 6.1% of the population in Port Charlotte, FL, and this percentage has increased by 177.3% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 95.2% | -3.9% |
% Black | 0.3% | ∞% |
% Hispanic | 2.1% | 133.3% |
% Asian | 2.0% | ∞% |
% Foreign Born | 6.1% | 177.3% |
Mortgage and Risk — Port Charlotte, FL
According to HUD data as of 2023, there were 64 mortgage originations in Port Charlotte, FL, of which 92.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 8.0% above 90% LTV (normal). This implies small mortgage risk in Port Charlotte, FL. Investor activity is low, as 6.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 64 |
% Conventional Loans | 92.0% |
% Government Loans | 8.0% |
% Investor Loans | 6.0% |
% Second Loans | 22.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Port Charlotte, FL
Port Charlotte, FL lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | N/A |
Total Units Section 8 | N/A |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,260 |
| 2 Bedroom | -$4,420 | $6,000 | $1,580 |
| 3 Bedroom | -$3,790 | $6,000 | $2,210 |
| 4 Bedroom | -$5,160 | $7,800 | $2,640 |
Affordability — Port Charlotte, FL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 7.2 |
| Median Home Price | $535,000 |
| Median Household Income | $93,500 |