Punta Gorda 33982

Punta Gorda, FL · Charlotte County, FL · 18,665 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

48affordability /100

Buyer leverage is buyer advantage; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
31.7%
stretched
Days on market
90
daily
Price cuts
29.0%
of active
Valuation
+17.1%
vs assessor
Look up an address
38
/100
weak
cooling · buyer advantage · prices easing year-over-year.

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

71/ 100SellerBalancedBuyer
Negotiate Hard
Needs 5.4% correction for affordability
DOM: 98d (stable) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)80
Supply & Demand (20%)100
Buy vs Rent (15%)25
Cancellation Rate (10%)100
Days on Market (5%)100

Moderate buyer leverage in 33982. Room to negotiate 5-10% below list. Payment burden: 31.7% of median income. Median days on market: 98. Renting is approximately 2% cheaper than buying (price-to-rent ratio: 12.2). Market appears 23% overpriced vs. assessed values.

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.
COOLINGBUYER ADVANTAGE

Market is cooling with expanding inventory. Buyers have strong negotiating leverage. Prices down 7.3% YoY.

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Market snapshoteach number, once

Median price
$357,916
▾ 7.3% YoY
Days on market
90
daily · zip_data
Median rent
$2,436
ZORI
Investor score
66/100
cash-flow lens
Active listings
235
90-day

Valuation3 lenses, different anchors

vs assessor
+17.1%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$419,150
county CAMA · properties_v
vs income
—
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+52.8%
County-wide market — the widest, slowest signal.
Charlotte+52.8%
Lotvox comps · mv_valuation_gap
Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$135
Price-to-income5.2×

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How 33982 ranks in FL
percentile vs all FL ZIPs
Comparative ranking not available for this ZIP.

Affordability, supply & momentum

15SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.9 mo
Days on Market90d
Inv vs History-26.4%
Listing Density55.1/1k
Market dynamics
Price cut %29.0%
Momentumcooling
LeverageBUYER ADVANTAGE
Months of supply18.9
Sales (90d)0
Investment analysis
Median rent$2,436
Price-to-rent12.2
Est. cap rate5.3%
Buy vs rentfavors buying

Livability

Walk score5
Transit score—
Bike score—

Historical trends

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Charlotte County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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Punta Gorda Metro·Overpriced ZIPs·Investor ZIPs·View on Map·Charlotte County