33948 — Charlotte County, Florida Market Snapshot
Housing market data for zip code 33948 in Charlotte County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
10 sales in 2026 (year to date)
Median Sale Price
$152,500
Days to Sell
50
Homes Sold
10
Inventory
23
Sale-to-List
94.2%
New Listings
19
Price/SqFt
$157
Pending Sales
14
Conforming Loan Available
Most homebuyers in 33948 can comfortably use conventional financing. The median home price of $152,500 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
33948's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 33948 sells for 5.8% below asking price (94.2% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33948 can comfortably use conventional financing. The median home price of $152,500 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 33948 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 33948
To purchase the median home at $152,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,318.
Monthly Payment
$1,318
Income Required
$56,503
Principal & Interest
$940/mo
Down Payment (5%)
$7,625
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 33948.
Estimated Monthly Payment
$1,094
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