Markets › FL › Punta Gorda

Punta Gorda, FL housing market

Punta Gorda, FL metro median sale price $328K in Sep 2026, up 1.7% year over year. Also days on market, price cuts, affordability and ZIP-code figures.

The median sale price in the Punta Gorda, FL metro is $328K as of Sep 2026, up 1.7% from a year earlier. That change sits near the middle of the 383 U.S. metros Pecan Street ranks on this measure. FHFA's repeat-sales index for the metro points the other way: down 0.2% through Q2 2026.

On median sale price, Punta Gorda ($328K) ranks 16th of the 22 Florida metros Pecan Street tracks, between Pensacola ($331K) and Gainesville ($321K). On median days on market, Punta Gorda (87 days) ranks 7th of the 22 Florida metros, between Homosassa Springs (87 days) and Sebastian (87 days). On share of listings with a price cut, Punta Gorda (29%) ranks 17th of the 22 Florida metros, between Panama City (29%) and Crestview (27%).

Listings spent a median 87 days on market in Sep 2026, the 17th-most of the 385 metros. 29% of active listings carry a price cut, 1.4 points fewer than a year earlier. That share is lower than in most of the 385 metros. Median asking prices sit about 10% above the median sale price.

At the 7.29% 30-year fixed rate with 20% down, principal and interest on a median-priced home come to $1,798 a month; at 28% of gross income, that takes about $77K a year. The median sale price equals about 13 years of HUD Fair Market Rent, a ratio down 2.9% from a year earlier. That ratio is lower than in most of the 373 metros. Active listings ask a median $215 per square foot, down 3.1% from a year earlier.

In 10 of the 12 ZIP codes in the table below, median list prices are lower than a year earlier; two are higher.

Headline

Median sale price

Sep 2026

$328K

+1.7% year-over-year

How it’s calculated

Rolling 3-month median sale price vs. same 3 months one year prior.

Mortgage rate

Oct 15, 2026

7.29%

30-year fixed

Where it comes from

National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.

The same rate appears on every market page.

Monthly payment

Principal & interest

$1,798/mo

$77K/yr income needed

How it’s calculated

Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.

Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.

How Punta Gorda compares to other U.S. metros

Days on market	↑17th of 385 (top 5%)
Price-to-rent	↓321st of 373
Price cuts	↓325th of 385
Asking-vs-sale gap	↑77th of 292 (top 27%)
Home-price growth	208th of 383

Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.

Affordability

Price-to-rent ratio	≈ 13 -2.9% YoY ↓321st of 373
Asking price / sq ft	$215 -3.1% YoY

Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Sep 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.

Market pressure

Listings with a price cut	≈ 29% -1.4 pts YoY ↓325th of 385

The median asking price $360K runs about 10% above the median sale price $328K.

Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Sep 2026. Asking is the median list price of active listings (Realtor.com, this month); sale is the headline median of recent closings (Redfin, a rolling 3-month median) — distinct sources and windows, so the gap is a directional read, not a like-for-like difference. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.

Market facts

ZIPs with listing data	12 shown of 13
MLS board of record	—
Price methodology	Redfin vs FHFA HPI
Data as of	Sep 2026

Recent signals

No signals flagged for this market right now.

Recent notable readings

The FHFA house price index for the metro fell 52% from Q2 2006 to Q2 2011: the 15th-deepest bust of the 385 U.S. metros Pecan Street tracks with FHFA data.

Readings from the latest data that sit at one end of the U.S. metros Pecan Street tracks, from the nightly cross-metro comparison. They are not signal alerts.

Price reconciliation

normal · 1.9pp

Redfin (metro)

+1.7%

FHFA HPI · Q2 2026

-0.2%

Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.

More markets in FL

Crestview Daytona Beach Fort Myers / Cape Coral Gainesville Homosassa Springs Jacksonville Lakeland Melbourne / Palm Bay Miami / Fort Lauderdale Naples Ocala Orlando

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ZIP-level data

ZIP	Median list price	Active listings	New listings	Price reductions	Days on market	Home value
33947	$399K↓	180↓	40↑	42↓	91↓	$348K↓
33948	$314K↓	190↓	48↓	60↓	90↓	$265K↓
33950	$404K↓	339↓	80↑	96↓	104↓	$371K↓
33952	$236K↓	286↓	86↑	86↓	80↓	$218K↓
33953	$362K↓	149↓	40↑	46↓	83↓	$316K↓
33954	$331K↓	108↓	34↑	38↓	58↓	$303K↓
33955	$358K↓	274↓	76↑	70↓	90↓	$327K↓
33980	$279K↑	136↓	44↑	42↓	90↓	$253K↓
33981	$490K↑	352↓	58↓	98↓	101↓	$347K↓
33982	$437K↓	195↓	64↑	66↑	65↓	$362K↓
33983	$342K↓	167↓	56↓	48↓	78↓	$306K↓
34224	$322K↓	148↓	38↓	32↓	75↓	$280K↓

ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.