34269 — Charlotte County, Florida Market Snapshot
Housing market data for zip code 34269 in Charlotte County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
30 sales in 2026 (year to date)
Median Sale Price
$207,500
Days to Sell
60
Homes Sold
30
Inventory
59
Sale-to-List
93.9%
New Listings
44
Price/SqFt
$148
Pending Sales
29
Conforming Loan Available
Most homebuyers in 34269 can comfortably use conventional financing. The median home price of $207,500 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
With homes sitting for 60 days on average, 34269 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 34269 sells for 6.1% below asking price (93.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34269 can comfortably use conventional financing. The median home price of $207,500 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 34269 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 34269
To purchase the median home at $207,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,740.
Monthly Payment
$1,740
Income Required
$74,563
Principal & Interest
$1,279/mo
Down Payment (5%)
$10,375
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 34269.
Estimated Monthly Payment
$1,434
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