How much do homeowners pay a month in Punta Gorda, FL?
Homeowners with a mortgage in Punta Gorda, FL pay a median of $2,758 (±$168) a month in selected owner costs (2020–2024 American Community Survey).
Owners without a mortgage pay $986 (±$63).
34.3% of owned homes carry a mortgage.
In Punta Gorda, the median monthly cost with a mortgage went from $1,892 in 2015–2019 to $2,758 in 2020–2024 (+45.8%).
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 .
- With a mortgage
- $2,758 (±$168)
- Without a mortgage
- $986 (±$63)
- Owned with a mortgage
- 34.3%
Monthly owner costs in Punta Gorda
| Punta Gorda | Charlotte County | Florida | United States | |
|---|---|---|---|---|
| With a mortgage | $2,758 (±$168) | $1,773 (±$40) | $1,959 (±$5) | $1,963 |
| Without a mortgage | $986 (±$63) | $678 (±$16) | $673 (±$3) | $638 |
| Owned homes with a mortgage | 34.3% (±4.2 points) | 45.6% (±1.5 points) | 56.3% (±0.2 points) | 60.6% |
| Median real estate taxes (a year) | $4,774 (±$354) | $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 Punta Gorda, the median cost with a mortgage is higher than in Charlotte County ($1,773).
It is also higher than in Florida ($1,959).
It is higher than the national figure ($1,963).
In Charlotte County, Punta Gorda ranks 2 of 9 places with a published estimate, from highest to lowest median monthly cost with a mortgage.
Statewide, it ranks 117 of 830.
Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.
How owner costs in Punta Gorda have changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Median owner cost with a mortgage | $1,892 (±$125) | $2,758 (±$168) | +45.8% | Up after inflation |
| Median real estate taxes | $3,178 (±$253) | $4,774 (±$354) | +50.2% | Up after inflation |
| Median home value | $325,800 (±$17,106) | $518,100 (±$41,154) | +59.0% | 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 Punta Gorda
| Place | Distance | Median monthly cost with a mortgage | Compared with this place |
|---|---|---|---|
| Punta Gorda | — | $2,758 (±$168) | — |
| Charlotte Park | 1.1 mi | $1,936 (±$503) | Lower |
| Charlotte Harbor | 4.4 mi | $2,270 (±$964) | Not measurably different |
| Cleveland | 6.0 mi | $1,371 (±$452) | Lower |
| Port Charlotte | 7.0 mi | $1,525 (±$49) | Lower |
| Harbour Heights | 7.5 mi | $1,890 (±$418) | Lower |
| Burnt Store Marina | 9.1 mi | $2,316 (±$669) | Not measurably different |
| Rotonda | 13 mi | $1,940 (±$170) | Lower |
| North Port | 14 mi | $1,748 (±$73) | Lower |
Nearby places with a measurably lower figure: Charlotte Park, FL ($1,936), Cleveland, FL ($1,371), Port Charlotte, FL ($1,525).
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 |
|---|---|---|
| 1 | Manasota Key | $3,375 (±$1,434) |
| 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) |
Showing 8 of 9 places in Charlotte County, ranked from highest to lowest.
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 Punta Gorda
What is the average mortgage payment in Punta Gorda?
The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Punta Gorda, FL is $2,758 (±$168) a month, including taxes, insurance and utilities.
How much does it cost to own a paid-off home in Punta Gorda?
Owners without a mortgage in Punta Gorda pay a median of $986 (±$63) a month in taxes, insurance, utilities and fees.
Has the cost of owning a home in Punta Gorda gone up?
In Punta Gorda, the median monthly cost with a mortgage went from $1,892 in 2015–2019 to $2,758 in 2020–2024 (+45.8%).
Prices (CPI-U) rose 22.7% over the same years, so it rose faster than prices: a measurable increase after inflation.
Sources
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Punta Gorda city, Florida
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Punta Gorda city, Florida
- Median Selected Monthly Owner Costs (B25088), 2015–2019 ACS 5-year estimates — Punta Gorda city, Florida
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2015–2019 ACS 5-year estimates — Punta Gorda city, Florida
- Median Value (B25077), 2015–2019 ACS 5-year estimates — Punta Gorda city, Florida
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
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 Punta Gorda city, Florida (place:59200, 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.
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.
Figures last updated on .
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