33954 — Charlotte County, Florida Market Snapshot
Housing market data for zip code 33954 in Charlotte County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
83 sales in 2026 (year to date)
Median Sale Price
$322,000
Days to Sell
48
Homes Sold
83
Inventory
107
Sale-to-List
98.3%
New Listings
108
Price/SqFt
$192
Pending Sales
86
Conforming Loan Available
Most homebuyers in 33954 can comfortably use conventional financing. The median home price of $322,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
33954's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 33954 (98.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 33954 can comfortably use conventional financing. The median home price of $322,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 33954 are set at the county level.
2026 Loan Limits — Charlotte County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 33954
To purchase the median home at $322,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,617.
Monthly Payment
$2,617
Income Required
$112,160
Principal & Interest
$1,984/mo
Down Payment (5%)
$16,100
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 33954.
Estimated Monthly Payment
$2,143
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