33980 — Charlotte County, Florida Market Snapshot
Housing market data for zip code 33980 in Charlotte County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
73 sales in 2026 (year to date)
Median Sale Price
$296,806
Days to Sell
79
Homes Sold
73
Inventory
98
Sale-to-List
95.9%
New Listings
86
Price/SqFt
$188
Pending Sales
87
Conforming Loan Available
Most homebuyers in 33980 can comfortably use conventional financing. The median home price of $296,806 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 79 days on average, 33980 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 33980 sells for 4.1% below asking price (95.9% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 33980 can comfortably use conventional financing. The median home price of $296,806 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 33980 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 33980
To purchase the median home at $296,806 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,424.
Monthly Payment
$2,424
Income Required
$103,887
Principal & Interest
$1,829/mo
Down Payment (5%)
$14,840
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 33980.
Estimated Monthly Payment
$1,987
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