ZIP Code 33981 — Port Charlotte, FL Home Prices (2026)
The typical home in ZIP 33981 (Port Charlotte, Florida) is worth about $343,000 at roughly $255 per square foot — 14% more expensive than the Port Charlotte median and 17% more expensive than the typical U.S. home.
How 33981 compares
ZIP 33981 is one of the pricier ZIP codes in Port Charlotte: its typical home value of $343,000 ranks #2 of the 7 Port Charlotte ZIP codes we track (the citywide range runs from $220,000 in 33952 to $512,000 in 33946). Per square foot it costs about $255, against $206 for Port Charlotte as a whole, $229 for Florida, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 33981 | $343,000 | $255 |
| Port Charlotte, FL | $301,000 | $206 |
| Florida | $349,000 | $229 |
| United States | $294,000 | $195 |
Home value by size in 33981
Using this ZIP’s rate of about $255 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $255,000 |
| 1,500 sq ft | $382,500 |
| 2,000 sq ft | $510,000 |
| 2,500 sq ft | $637,500 |
| 3,000 sq ft | $765,000 |
Salary needed to buy a home in ZIP 33981
To buy the typical $343,000 home in ZIP 33981 with 20% down, you need a household income of roughly $93,000 a year (about $2,180 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $111,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $17,200 | $2,710/mo | $116,000/yr |
| 10% (+PMI) | $34,300 | $2,590/mo | $111,000/yr |
| 20% | $68,600 | $2,180/mo | $93,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 33981
At about $255 per square foot, here is roughly how much home different budgets get you in ZIP 33981:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 780 sq ft | below the local median — condos, smaller or older homes |
| $250k | 980 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1180 sq ft | around the typical home here |
| $400k | 1570 sq ft | around the typical home here |
| $500k | 1960 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 33981 home.
Estimate a specific home in 33981
The estimator below is pre-set to ZIP 33981 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Port Charlotte ZIP codes by home value
Where 33981 sits among Port Charlotte’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 33946 | $512,000 | $343 |
| 2 | 33981 (this page) | $343,000 | $255 |
| 3 | 33953 | $312,000 | $215 |
| 4 | 33954 | $301,000 | $202 |
| 5 | 33948 | $264,000 | $206 |
| 6 | 33980 | $252,000 | $175 |
| 7 | 33952 | $220,000 | $183 |
ZIP 33981 home prices: frequently asked
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See the full Port Charlotte home values page, all Florida cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.