ZIP 33950 vs ZIP 33982

33950 is one of 13 ZIP codes that lie mostly in Charlotte County, FL.

Shaded by typical home value, it ranks 2 of the 13 with a value.

5 school locations in 33950: 2 elementary, 1 middle, 2 high.

In alphabetical order: BAKER/HEAD START, CHARLOTTE HIGH SCHOOL, FLORIDA SOUTHWESTERN COLLEGIATE HIGH SCHOOL, PUNTA GORDA MIDDLE SCHOOL, and more on the ZIP page. Locations only — no ratings are shown here.

33982 is one of 13 ZIP codes that lie mostly in Charlotte County, FL.

Shaded by typical home value, it ranks 3 of the 13 with a value.

3 school locations in 33982: 1 elementary, 1 high, 1 other.

In alphabetical order: BABCOCK HIGH SCHOOL, BABCOCK NEIGHBORHOOD SCHOOL, EAST ELEMENTARY SCHOOL. Locations only — no ratings are shown here.

In January 2000 the typical home in 33950 was worth $131,522.

Values peaked at $514,249 in August 2022. The latest reading is −28.8% from that peak.

As of August 2026: $366,249, −6.1% over twelve months.

Start with the typical home: $366,249. Put 20% down and borrow $292,999 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,029 a month in principal and interest.

The median household here earns $74,484 a year, $6,207 a month. So the payment takes 32.7% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 11.7% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $788.

In December 2020, with rates at 2.68%, it was $1,054.

By August 2026, at 6.67%, it was $1,884 — +79% since December 2020, while the home's value moved +13%.

Reported values rose +178% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $259,572. So the real change is +41%, not +178%.

33950: +179% since January 2000.

Charlotte County: +235% since January 2000.

Florida: +245% since January 2000 — 33950 ran behind it by 67 points.

Owning the typical home costs about $2,395 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,967 a month.

Price divided by a year's rent: 15.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 33982 was worth $73,347.

Values peaked at $436,282 in April 2024. The latest reading is −18.0% from that peak.

As of August 2026: $357,560, −4.9% over twelve months.

Start with the typical home: $357,560. Put 20% down and borrow $286,048 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,981 a month in principal and interest.

The median household here earns $68,514 a year, $5,710 a month. So the payment takes 34.7% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 7.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $439.

In December 2020, with rates at 2.68%, it was $899.

By August 2026, at 6.67%, it was $1,840 — +105% since December 2020, while the home's value moved +29%.

Reported values rose +387% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $144,758. So the real change is +147%, not +387%.

33982: +388% since January 2000.

Charlotte County: +235% since January 2000.

Florida: +245% since January 2000 — 33982 ran ahead of it by 143 points.

Owning the typical home costs about $2,338 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,163 a month.

Price divided by a year's rent: 13.8. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 82 a month (Redfin, 3-month rolling data through August 2026). That is 102% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 372. That is 87% of the 2015–2019 level for the same months.

Going out — closed sales: about 73 a month. That is 95% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 5.1 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 9 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 73 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 70 — so sales ran at 104% of it, and below it in 19 of the last 24 months.

Across Charlotte County, builders pulled permits for 3,015 new homes in 2025.

Of those, 85% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 73 a month (Redfin, 3-month rolling data through August 2026). That is 256% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 279. That is 181% of the 2015–2019 level for the same months.

Going out — closed sales: about 62 a month. That is 219% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 4.5 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 11 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 62 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 24 — so sales ran at 258% of it, and below it in 0 of the last 24 months.

Across Charlotte County, builders pulled permits for 3,015 new homes in 2025.

Of those, 85% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Charlotte County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,548 moved in. Among the ten receiving the most, 2,789 moved out.

Net across those counties: +759 households. Beside it, homes for sale in this ZIP: 372 in June 2026.

Most arrivals came from Sarasota, FL (1,408 households); most departures went to Sarasota, FL (1,268).

County assessor records list 50 properties with a market value here. Their average assessed market value is $414,950; the typical home value is $366,249.

The assessor average sits +13.3% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Charlotte County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 3,548 moved in. Among the ten receiving the most, 2,789 moved out.

Net across those counties: +759 households. Beside it, homes for sale in this ZIP: 279 in June 2026.

Most arrivals came from Sarasota, FL (1,408 households); most departures went to Sarasota, FL (1,268).