Charlotte County, FL

Comprehensive housing, income, and cost of living data for Charlotte County, Florida. Population: 189.9K.

Median Home Price
$310.1K

Based on 13 cities

Median Household Income
$66.2K

Annual household income

Price-to-Income Ratio
4.7x

Moderately affordable

Salary Needed to Buy
$81.9K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax
$2,581

Average annual amount

Effective Tax Rate
0.83%

Property tax / home value

Monthly Housing Costs
Mortgage (P&I)$1,568
Property Tax$215
Insurance$129
Total Monthly$1,912
Historical Home Prices
2015
$174.2K
2016
$191.0K
+9.6%%
2017
$202.2K
+5.8%%
2018
$213.1K
+5.4%%
2019
$222.9K
+4.6%%
2020
$242.4K
+8.8%%
2021
$316.9K
+30.7%%
2022
$377.2K
+19.0%%
2023
$366.2K
-2.9%%
2024
$338.5K
-7.6%%
2025
$294.7K
-12.9%%
Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate
3.1%%

Below national average

Population Density
279

People per square mile

Homicide Rate
1.7

Low (per 100K residents)

Political Lean (2020)
Competitive

R+0

Racial Demographics

White
82.4%
Black
5.1%
Hispanic
7.8%
Asian
1.3%
Two or More Races
3%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature
74°F

Annual average

Sunny Days
190

Days per year

Annual Rainfall
52.6"

Inches per year

Natural Disaster Risk
High Risk

Score: 95/100

January Low
21°F

Average winter low

July High
86°F

Average summer high

Frequently Asked Questions

What is the median home price in Charlotte County, FL?

The median home price in Charlotte County, Florida is $310.1K. The price-to-income ratio is 4.7x, meaning the median home costs 4.7 times the median household income.

What salary do you need to buy a home in Charlotte County?

Based on a 30-year mortgage at 6.5% with 20% down and the 28% debt-to-income rule, you need approximately $81.9K per year to buy the median home in Charlotte County, FL. Monthly housing costs break down to $1,568 for mortgage, $215 for property tax, and $129 for insurance.

What is the property tax rate in Charlotte County?

The effective property tax rate in Charlotte County is 0.83%, which comes to approximately $2,581 per year on the median home.

What is the median household income in Charlotte County?

The median household income in Charlotte County, Florida is $66.2K per year, based on Census Bureau American Community Survey data. The unemployment rate is 3.1%%.

Is Charlotte County a good place to live?

Charlotte County, Florida has a population of 189.9K. Housing affordability is moderate with a price-to-income ratio of 4.7x. The climate averages 74 degrees F with 190 sunny days per year. Compare Charlotte County with other areas using our cost of living tools to find the best fit for your budget and lifestyle.