HousingHandbookReference data

U.S. ZIP Code · FL33954

Charlotte County · Punta Gorda, FL

Typical home value

$297,688[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
-8.1%
5-year / yr
+3.6%
10-year / yr
+6.0%

Relative price

vs U.S.
+4.8%
vs metro
-4.1%
vs state
-14.2%
ZIP 33954 location in FL
Location of ZIP 33954 in FL

Price history

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

The typical home in 33954 is worth $297,688 — 4.1% below the Punta Gorda, FL median. Over the past year, values have fallen 8.1%. Homes here rent for a typical $1,786 a month — a 7.2% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

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

Monthly rent
$1,786[2]
Gross yield
7.2%[2]
Cap rate
4.3%[2]

#Property tax

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

Effective tax rate
0.7%[3]
Typical annual tax
$2,224[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
11,193[3]
Median household income
$78,288[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

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
1
Elementary
1
Middle
0
High
0
  • LIBERTY ELEMENTARY SCHOOL

    Elementary · Grades PK–5 · CHARLOTTE

    694 students

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 yield7.2%
Net yield (after ~40% expenses)4.3%
Annual rent$21,430

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$1,505
Loan principal$238,150
Down payment$59,538
Total interest paid$303,748

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 ratio1.09
Monthly cost to own$1,939
Monthly rent$1,786

Owning and renting are roughly even.

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
92nd percentile[1]
Rental yield
9th percentile[2]
Property tax
0th percentile[3]

Frequently asked

How much is a home worth in ZIP code 33954?
The typical home in 33954 is worth $297,688, based on the Zillow Home Value Index.
Are home values rising in 33954?
Home values in 33954 are down 8.1% over the past year, and up 3.6% a year over five years.
What is the typical rent in 33954?
A typical home in 33954 rents for about $1,786 a month, a gross rental yield of 7.2%.
What is the property tax rate in 33954?
The effective property tax rate in 33954 is 0.7% — roughly $2,224 a year on a typical home.
Who lives in 33954?
ZIP code 33954 has a population of 11,193 and a median household income of $78,288.

#Comparable ZIPs

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

  • Harbour Heights CDP, FL

    Typical home
    $304,068
    Gross yield
    7.3%
  • Port Charlotte CDP, FL

    Typical home
    $310,528
    Gross yield
    6.1%
  • Englewood CDP, FL

    Typical home
    $280,706
    Gross yield
    8.1%
  • Punta Gorda, FL

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

    Typical home
    $264,029
    Gross yield
    8.9%
  • FL

    Typical home
    $338,591
    Gross yield
    8.0%

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