Punta Gorda, FL at a glance
Median household income
$85,779$7,148 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in Punta Gorda, FL?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in Punta Gorda, FL? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for Punta Gorda, FL MSA, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $1,159 | $13,908 | $46,360 | 16.2% |
| 1-Bedroom Apartment | $1,167 | $14,004 | $46,680 | 16.3% |
| 2-Bedroom ApartmentBenchmark | $1,470 | $17,640 | $58,800 | 20.6% |
| 3-Bedroom Home | $2,041 | $24,492 | $81,640 | 28.6% |
| 4-Bedroom Home | $2,326 | $27,912 | $93,040 | 32.5% |
What a typical income covers in Punta Gorda, FL
The 50/30/20 rule applied to the local median of $85,779 a year ($7,148 a month before tax).
What $85,779 leaves after Florida taxes
Federal income tax, Social Security, Medicare and Florida tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Florida
Living in Punta Gorda, FL: common questions
What is the median household income in Punta Gorda, FL?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Punta Gorda, FL is $85,779 per year (approximately $7,148 per month).
What is the average rent in Punta Gorda, FL?
The closest official figure is HUD's Fair Market Rent for 2026: $1,159 for a studio, $1,167 for one bedroom, $1,470 for two, $2,041 for three and $2,326 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is Punta Gorda, FL expensive to live in?
Prices there run 0.5% above the U.S. average. BEA's regional price parity for the metro area is 100.5, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in Punta Gorda, FL?
To keep a $1,470 two-bedroom under 30% of gross income, a household needs about $58,800 a year, or $4,900 a month. That is 69% of what the typical household in Punta Gorda, FL earns.
How much do you need to live comfortably in Punta Gorda, FL?
On the local median income of $85,779 ($7,148 a month before tax), the 50/30/20 rule leaves $3,574 a month for needs like rent, utilities and groceries, $2,144 for everything else and $1,430 for savings or debt. A two-bedroom at $1,470 takes 41% of the needs share.
How much is the electric bill in Punta Gorda, FL?
Homes in Florida paid 15.1¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $136. Your bill depends mostly on heating and cooling.