The median home in Port Charlotte, Florida is valued at $262,942, down 11.8% year over year. Typical monthly rent is $1,772, producing a price-to-rent ratio of 12.4x — below the national average of 18x. Port Charlotte is part of the Punta Gorda, FL metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

See the full metro analysis: Punta Gorda, FL stress score, crash risk, and 12-month forecast →

Home Value$262,942

-11.8%

Rent$1,772/mo

AFFORDABILITY

Enter your income for Port Charlotte.

Income (annual)

Down Payment

$52,588 on $262,942

Stretch — 29.9% of income

Above 28% but manageable with cuts.

PITI$1,868

P/I29.9%

Afford$246K

Gap-$17K

P&I $1,330Tax $188Ins $350

Renting $96/mo cheaper ($1,772 rent)6.50% 30yr, 20% down, county tax + FL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Florida

Compare Port Charlotte with other housing markets across Florida.

Jupiter Island$9494K Golden Beach$7499K Fisher Island$6393K Lake Buena Vista$6088K Jupiter Inlet Colony$3619K Manalapan$3569K Golf$2871K Boca Grande$2635K

Full Punta Gorda, FL analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Punta Gorda, FL metro.

View Punta Gorda, FL metro →

PORT CHARLOTTE, FL