34224 — Charlotte County, Florida Market Snapshot
Housing market data for zip code 34224 in Charlotte County, Florida. Updated monthly with median prices, days on market, and more.
Market Sales Data
118 sales in 2026 (year to date)
Median Sale Price
$311,000
Days to Sell
43
Homes Sold
118
Inventory
122
Sale-to-List
96.1%
New Listings
124
Price/SqFt
$197
Pending Sales
133
Conforming Loan Available
Most homebuyers in 34224 can comfortably use conventional financing. The median home price of $311,000 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
34224's market is balanced with homes taking an average of 43 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 34224 sells for 3.9% below asking price (96.1% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 34224 can comfortably use conventional financing. The median home price of $311,000 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 34224 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 34224
To purchase the median home at $311,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,533.
Monthly Payment
$2,533
Income Required
$108,548
Principal & Interest
$1,916/mo
Down Payment (5%)
$15,550
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 34224.
Estimated Monthly Payment
$2,075
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