Market Overview
Home Prices in Port Charlotte, FL
The median home value in Port Charlotte, FL is $268,380 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 7.7% compared to a year ago and down 10.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Port Charlotte are priced35% below average. Port Charlotte is part of the Punta Gorda, FL metro area.
Over the past five years, Port Charlotte home values have risen by approximately9.2%, reflecting steady appreciation in this market.
Price History
Port Charlotte Home Price Trend
City Comparison
Port Charlotte vs. National Median
At $268,380, homes in Port Charlotte cost 35% below the national median of $410,000. This makes Port Charlotte a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Port Charlotte?
20% Down Payment
$53,676
on $268,380
Monthly P&I
$1,400/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,778/mo
incl. taxes & insurance
Income Needed
$71,120
gross annual (30% rule)
10% Down Option
$26,838
+ PMI applies
Loan Amount (20% dn)
$214,704
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Port Charlotte, FL?
The median home value in Port Charlotte is $268,380 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 7.7% year-over-year.
How much have home prices changed in Port Charlotte?
Over the past year, home values in Port Charlotte have decreased by 7.7%. Over five years, prices have risen approximately 9.2%.
How much do I need to earn to buy a home in Port Charlotte?
To comfortably afford the median home price of $268,380 with a 20% down payment ($53,676) at today's rates (6.8%), you'd need a gross annual income of approximately $71,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Port Charlotte compare to the national average home price?
The national median home value is approximately $410,000. At $268,380, homes in Port Charlotte are 35% below the national average.
What metro area is Port Charlotte part of?
Port Charlotte is part of the Punta Gorda, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.