Cost of living in Punta Gorda, FL
The Punta Gorda, FL metro area (212,122 people) ranks #56 of 149 for prices among the U.S. metro areas we cover. Here's what it costs to live there.
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Price level, from cheaper to pricier.
- The Villages, FL 85.4
- McAllen, TX 85.9
- Springfield, MO 88.6
- Wichita, KS 88.9
- Jackson, MS 89.0
- Tulsa, OK 89.2
- Columbus, GA 89.3
- Little Rock, AR 89.4
- El Paso, TX 89.9
- Oklahoma City, OK 90.4
- Sioux Falls, SD 90.6
- Baton Rouge, LA 90.8
- Clarksville, TN 90.9
- Fargo, ND 90.9
- Killeen, TX 91.1
- Spartanburg, SC 91.1
- Fayetteville, AR 91.4
- Chattanooga, TN 91.5
- Toledo, OH 91.5
- Birmingham, AL 91.6
- Des Moines, IA 91.7
- Augusta, GA 91.9
- Omaha, NE 91.9
- Fayetteville, NC 92.0
- Winston-Salem, NC 92.0
- Jacksonville, NC 92.1
- Memphis, TN 92.2
- Kansas City, MO 92.5
- Fort Wayne, IN 92.6
- Knoxville, TN 92.6
- New Orleans, LA 92.6
- Dayton, OH 92.7
- Greensboro, NC 92.9
- Lexington, KY 92.9
- Huntsville, AL 93.1
- Louisville, KY 93.1
- Greenville, SC 93.3
- Akron, OH 93.4
- Billings, MT 93.5
- Myrtle Beach, SC 93.6
- Columbia, SC 93.7
- Cleveland, OH 93.9
- Daphne, AL 94.7
- Pittsburgh, PA 94.7
- San Antonio, TX 94.7
- St. Louis, MO 95.1
- Ocala, FL 95.2
- Savannah, GA 95.2
- Cincinnati, OH 95.4
- Albuquerque, NM 95.5
- Columbus, OH 95.5
- Grand Rapids, MI 95.5
- Indianapolis, IN 95.7
- Syracuse, NY 95.7
- Buffalo, NY 95.8
- Nashville, TN 96.3
- Wilmington, NC 96.4
- Asheville, NC 96.5
- Cheyenne, WY 96.5
- Gainesville, FL 96.7
- Milwaukee, WI 96.9
- Tucson, AZ 96.9
- Crestview, FL 97.0
- Rochester, NY 97.0
- Lakeland, FL 97.1
- Charlotte, NC 97.3
- Madison, WI 97.3
- Panama City, FL 97.3
- Durham, NC 97.6
- Pensacola, FL 97.7
- Richmond, VA 97.9
- Virginia Beach, VA 97.9
- Hilton Head Island, SC 98.0
- Austin, TX 98.1
- Provo, UT 98.2
- Raleigh, NC 98.2
- Prescott, AZ 98.3
- Boise, ID 98.4
- Houston, TX 98.6
- Harrisburg, PA 98.7
- Daytona Beach, FL 99.4
- Jacksonville, FL 99.5
- Albany, NY 99.6
- Allentown, PA 100.0
- Palm Bay, FL 100.0
- Atlanta, GA 100.1
- Greeley, CO 100.2
- Las Vegas, NV 100.2
- Port St. Lucie, FL 100.2
- Detroit, MI 100.3
- Ogden, UT 100.3
- Spokane, WA 100.3
- Norwich, CT 100.4
- Punta Gorda, FL 100.5
- Colorado Springs, CO 100.7
- Ann Arbor, MI 100.9
- Bakersfield, CA 100.9
- Burlington, VT 100.9
- Salt Lake City, UT 100.9
- Tampa, FL 100.9
- Charleston, SC 101.0
- Reno, NV 101.0
- Fort Collins, CO 101.1
- Orlando, FL 101.4
- Eugene, OR 101.6
- Providence, RI 101.8
- Portland, ME 101.9
- Fresno, CA 102.2
- Cape Coral, FL 102.3
- Sarasota, FL 102.4
- Worcester, MA 102.5
- Philadelphia, PA 102.6
- Hartford, CT 102.7
- Dallas, TX 103.1
- Naples, FL 103.2
- Trenton, NJ 103.2
- Phoenix, AZ 103.3
- Bend, OR 103.6
- Chicago, IL 103.6
- Olympia, WA 103.7
- Baltimore, MD 104.5
- New Haven, CT 104.6
- Minneapolis, MN 104.8
- Stockton, CA 105.1
- Boulder, CO 105.2
- Anchorage, AK 105.4
- Portland, OR 105.4
- Bremerton, WA 105.6
- Manchester, NH 105.7
- Denver, CO 105.8
- Riverside, CA 106.4
- Sacramento, CA 106.7
- Bridgeport, CT 106.9
- Santa Rosa, CA 107.8
- Boston, MA 108.3
- Vallejo, CA 108.5
- Santa Barbara, CA 108.8
- Washington, D.C. 108.9
- Salinas, CA 109.0
- Poughkeepsie, NY 109.4
- San Jose, CA 110.4
- Oxnard, CA 110.5
- Honolulu, HI 111.0
- Seattle, WA 111.1
- San Diego, CA 111.9
- New York, NY 112.6
- Los Angeles, CA 113.6
- Miami, FL 114.2
- San Francisco, CA 115.6
Compare Punta Gorda with your city
See what you'd need to earn in Punta Gorda to keep your lifestyle, after taxes and local prices. The calculator starts from Sarasota, FL, which sends the most households here of the metros we cover (IRS, 2022–2023), at about its median household income. Pick your own city and salary.
Equal salary in Punta Gorda: $78,300
Compare any two of 149 U.S. metro areas. All cities
To keep the same lifestyle, you need about $78,300 in Punta Gorda, FL to match $80,000 in Sarasota, FL ($1,700 less), after 2026 taxes and local prices.
Single filer, W-2 salary. Both are in Florida, which has no state income tax on wages; neither city levies a resident income tax.
What things cost in Punta Gorda
The vertical line marks the U.S. average (100). BEA Regional Price Parities 2024 for the metropolitan area.
Taxes in Punta Gorda
On a $75,000 salary (about the area's median household income), a single filer keeps $61,593 after 2026 federal tax ($7,670), Social Security and Medicare ($5,738). Florida has no state income tax on wages.
Housing
| Measure | Punta Gorda area |
|---|---|
| Median rent | $1,843/mo |
| Median home value | $355,300 |
| Median property tax | $2,991/yr |
| Monthly cost to own the median home (20% down) | $2,338 |
| Median household income | $72,868 |
Climate and jobs in Punta Gorda
In the Punta Gorda area the average January low is 51°F and the average July high 93°F, and the area has about 124 days a year at 90°F or hotter. Unemployment averaged 4.9% in 2025, above the U.S. rate (4.3%), and the median wage across all jobs was $45,500 a year, 11% below the U.S. median.
| Climate | 1991–2020 average |
|---|---|
| January low | 51°F |
| July high | 93°F |
| Days 90°F or hotter | 124 a year |
| Precipitation | 53 in a year |
| Snowfall | 0 in a year |
| Jobs and pay | Metro area | U.S. |
|---|---|---|
| Unemployment rate, 2025 average | 4.9% | 4.3% |
| Median wage, all jobs (May 2025) | $45,500 | $50,980 |
| Wage and salary jobs (May 2025) | 57,530 | 155.5 million |
Climate: NOAA U.S. Climate Normals, 1991–2020 averages at the Punta Gorda Charlotte County Airport station (USW00012812), with snowfall from Punta Gorda 4 ESE (USC00087397) because the main station doesn't record it. Weather varies across a metro area, especially with elevation and distance from the coast. Jobs: unemployment from BLS Local Area Unemployment Statistics; wages and job counts from BLS Occupational Employment and Wage Statistics, which count wage and salary jobs, not the self-employed; wages are before taxes. The 2025 average covers 11 months: October 2025 data were not collected during the federal government shutdown.
Retiring in Punta Gorda
A single retiree spends about $3,179 a month here if they own their home outright, or $4,478 renting, based on typical spending for households 65 and older (BLS 2024) adjusted for local prices. See where your budget goes furthest.
Where people move to and from Punta Gorda
IRS county-to-county migration data, 2022–2023, aggregated to the 149 metro areas we cover.
Natural hazard risk
FEMA rates the Punta Gorda area among the highest for natural hazard risk (score 95.2 of 100), with expected losses of about $703 per resident per year. Disaster risk by county in Florida.
The vertical line marks the middle of U.S. counties (50).
Frequently asked questions
What salary do you need to live in Punta Gorda?
To match the buying power of $75,000 in an average-priced area with no state income tax, you need about $75,400 in Punta Gorda. Renting the median home at 30% of income takes $73,720, and buying the median home with 20% down takes about $100,219.
Is Punta Gorda expensive?
The Punta Gorda metro area's price level is 100.5 (U.S. = 100), #56 of the 149 metro areas we cover, from most to least expensive. Its housing price index is 113.3, 13% above the U.S. average.
Are people moving to Punta Gorda?
Counting moves to and from the other 148 metro areas we cover, Punta Gorda had a net gain of about 1,647 households in 2022–2023 (IRS county migration data).
What is the weather like in Punta Gorda?
In NOAA's 1991–2020 climate normals for the Punta Gorda area (Punta Gorda Charlotte County Airport weather station), the average January low is 51°F and the average July high 93°F. The area has about 124 days a year at 90°F or hotter and gets 53 inches of precipitation a year and almost no snow.
What are jobs and pay like in Punta Gorda?
The Punta Gorda metro area's unemployment rate averaged 4.9% in 2025, above the U.S. rate (4.3%). The median wage across all jobs was $45,500 a year in May 2025, 11% below the U.S. median of $50,980 (Bureau of Labor Statistics).
What natural disasters affect Punta Gorda?
FEMA's National Risk Index rates the area among the highest overall (score 95.2). The highest relative risks are hurricane, lightning, wildfire.
Compare Punta Gorda with other cities
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Cities with similar prices
- Norwich, CT 100.4
- Detroit, MI 100.3
- Colorado Springs, CO 100.7
- Ogden, UT 100.3
- Spokane, WA 100.3
- Las Vegas, NV 100.2
- Moving from Florida