Market Overview
Home Prices in Punta Gorda, FL
The median home value in Punta Gorda, FL is $335,672 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 8.3% compared to a year ago and down 11.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Punta Gorda are priced18% below average. Punta Gorda is part of the Punta Gorda, FL metro area.
Over the past five years, Punta Gorda home values have risen by approximately7.4%, reflecting steady appreciation in this market.
Price History
Punta Gorda Home Price Trend
City Comparison
Punta Gorda vs. National Median
At $335,672, homes in Punta Gorda cost 18% below the national median of $410,000. This makes Punta Gorda a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Punta Gorda?
20% Down Payment
$67,134
on $335,672
Monthly P&I
$1,751/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,224/mo
incl. taxes & insurance
Income Needed
$88,960
gross annual (30% rule)
10% Down Option
$33,567
+ PMI applies
Loan Amount (20% dn)
$268,538
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 Punta Gorda, FL?
The median home value in Punta Gorda is $335,672 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 8.3% year-over-year.
How much have home prices changed in Punta Gorda?
Over the past year, home values in Punta Gorda have decreased by 8.3%. Over five years, prices have risen approximately 7.4%.
How much do I need to earn to buy a home in Punta Gorda?
To comfortably afford the median home price of $335,672 with a 20% down payment ($67,134) at today's rates (6.8%), you'd need a gross annual income of approximately $88,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Punta Gorda compare to the national average home price?
The national median home value is approximately $410,000. At $335,672, homes in Punta Gorda are 18% below the national average.
What metro area is Punta Gorda part of?
Punta Gorda is part of the Punta Gorda, FL metropolitan area. Home prices and market conditions can vary across the broader metro region.