33921 — Charlotte County, Florida Market Snapshot
Housing market data for zip code 33921 in Charlotte County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$2,840,000
Days to Sell
115
Homes Sold
16
Inventory
44
Sale-to-List
94.1%
New Listings
15
Price/SqFt
$1,210
Pending Sales
21
Jumbo Loan Likely Needed
The median home in 33921 at $2,840,000 exceeds the 2026 conforming loan limit of $832,750 by $2,007,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
With homes sitting for 115 days on average, 33921 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 33921 sells for 5.9% below asking price (94.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
The median home in 33921 at $2,840,000 exceeds the 2026 conforming loan limit of $832,750 by $2,007,250. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 33921 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 33921
To purchase the median home at $2,840,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $21,909.
Monthly Payment
$21,909
Income Required
$938,965
Principal & Interest
$17,499/mo
Down Payment (5%)
$142,000
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 33921.
Estimated Monthly Payment
$17,726
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 33921.
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