How much do homeowners pay a month in Port Charlotte, FL?

Name: Homeowner costs in Port Charlotte, FL, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Port Charlotte, FL pay a median of $1,525 (±$49) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $567 (±$24).

54.9% of owned homes carry a mortgage.

In Port Charlotte, the median monthly cost with a mortgage went from $1,144 in 2015–2019 to $1,525 in 2020–2024 (+33.3%).

Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.

Figures last updated on November 12, 2026.

With a mortgage: $1,525 (±$49)
Without a mortgage: $567 (±$24)
Owned with a mortgage: 54.9%

Monthly owner costs in Port Charlotte

Median selected monthly owner costs, estimate (90% margin of error)
	Port Charlotte	Charlotte County	Florida	United States
With a mortgage	$1,525 (±$49)	$1,773 (±$40)	$1,959 (±$5)	$1,963
Without a mortgage	$567 (±$24)	$678 (±$16)	$673 (±$3)	$638
Owned homes with a mortgage	54.9% (±3.0 points)	45.6% (±1.5 points)	56.3% (±0.2 points)	60.6%
Median real estate taxes (a year)	$2,252 (±$89)	$2,785 (±$60)	$2,730 (±$10)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Port Charlotte, the median cost with a mortgage is lower than in Charlotte County ($1,773).

It is also lower than in Florida ($1,959).

It is lower than the national figure ($1,963).

In Charlotte County, Port Charlotte ranks 8 of 9 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 599 of 830.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

How owner costs in Port Charlotte have changed since 2015–2019

2015–2019 and 2020–2024 American Community Survey 5-year estimates
	2015–2019	2020–2024	Amount of change	Verdict
Median owner cost with a mortgage	$1,144 (±$34)	$1,525 (±$49)	+33.3%	Up after inflation
Median real estate taxes	$1,521 (±$62)	$2,252 (±$89)	+48.1%	Up after inflation
Median home value	$164,000 (±$3,433)	$269,900 (±$7,148)	+64.6%	Up after inflation

The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.

Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.

The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.

Median monthly cost with a mortgage in places near Port Charlotte

Nearest places with a published estimate, compared with Port Charlotte
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Port Charlotte	—	$1,525 (±$49)	—
Charlotte Harbor	3.9 mi	$2,270 (±$964)	Not measurably different
Harbour Heights	6.6 mi	$1,890 (±$418)	Not measurably different
Punta Gorda	7.0 mi	$2,758 (±$168)	Higher
North Port	7.0 mi	$1,748 (±$73)	Higher
Charlotte Park	7.1 mi	$1,936 (±$503)	Not measurably different
Cleveland	8.1 mi	$1,371 (±$452)	Not measurably different
Warm Mineral Springs	10 mi	$1,283 (±$140)	Lower
Rotonda	12 mi	$1,940 (±$170)	Higher

Nearby places with a measurably lower figure: Warm Mineral Springs, FL ($1,283).

Nearby places with a measurably higher figure: Punta Gorda, FL ($2,758), North Port, FL ($1,748), Rotonda, FL ($1,940).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Charlotte County, place by place

Rank	Place	Median monthly cost with a mortgage
2	Punta Gorda	$2,758 (±$168)
3	Grove City	$2,507 (±$1,973)
4	Charlotte Harbor	$2,270 (±$964)
5	Rotonda	$1,940 (±$170)
6	Charlotte Park	$1,936 (±$503)
7	Harbour Heights	$1,890 (±$418)
8	Port Charlotte	$1,525 (±$49)
9	Cleveland	$1,371 (±$452)

Showing 8 of 9 places in Charlotte County, ranked from highest to lowest.

Port Charlotte is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Port Charlotte

What is the average mortgage payment in Port Charlotte?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Port Charlotte, FL is $1,525 (±$49) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Port Charlotte?

Owners without a mortgage in Port Charlotte pay a median of $567 (±$24) a month in taxes, insurance, utilities and fees.

Has the cost of owning a home in Port Charlotte gone up?

In Port Charlotte, the median monthly cost with a mortgage went from $1,144 in 2015–2019 to $1,525 in 2020–2024 (+33.3%).

Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Port Charlotte CDP, Florida (place:58350, in state:12).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.