HousingHandbookReference data

U.S. ZIP Code · FL33946

Charlotte County · Punta Gorda, FL

Typical home value

$517,095[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-9.0%
5-year / yr
+2.5%
10-year / yr
+3.9%

Relative price

vs U.S.
+82.0%
vs metro
+66.5%
vs state
+49.1%
ZIP 33946 location in FL
Location of ZIP 33946 in FL

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 33946 is worth $517,095 — 66.5% above the Punta Gorda, FL median. Over the past year, values have fallen 9.0%. The effective property tax rate is 1.0%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.0%[3]
Typical annual tax
$4,955[3]

#Climate risk

FEMA National Risk Index ratings for Charlotte County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively Moderate
Coastal flood
Relatively High
Wildfire
Relatively Moderate
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Very High
Tornado
Relatively Low
Earthquake
Very Low
Winter weather
No Rating

#Who lives here

Population
3,090[3]
Median household income
$85,848[3]

#Migration

Household moves in and out of Charlotte County over a year, from IRS tax-return data.

Net migration
+1,867[5]
Moved in
9,442
Moved out
7,575

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$2,615
Loan principal$413,676
Down payment$103,419
Total interest paid$527,621

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$3,459
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
25th percentile[1]
Rental yield
[2]
Property tax
92nd percentile[3]

Frequently asked

How much is a home worth in ZIP code 33946?
The typical home in 33946 is worth $517,095, based on the Zillow Home Value Index.
Are home values rising in 33946?
Home values in 33946 are down 9.0% over the past year, and up 2.5% a year over five years.
What is the property tax rate in 33946?
The effective property tax rate in 33946 is 1.0% — roughly $4,955 a year on a typical home.
Who lives in 33946?
ZIP code 33946 has a population of 3,090 and a median household income of $85,848.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Punta Gorda, FL

    Typical home
    $367,966
    Gross yield
    7.5%
  • Cleveland CDP, FL

    Typical home
    $359,839
    Gross yield
    8.4%
  • Rotonda CDP, FL

    Typical home
    $343,568
    Gross yield
    8.1%
  • FL

    Typical home
    $338,591
    Gross yield
    8.0%
  • Punta Gorda, FL

    Typical home
    $330,779
    Gross yield
    12.5%
  • Port Charlotte CDP, FL

    Typical home
    $310,528
    Gross yield
    6.1%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

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