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Charlotte County/Punta Gorda/33955

33955

ZIPSAFMR
Charlotte County, FL
Zillow

ZIP Investment Score

64Below average

095130300
BRFMR
Eff. Rent
0 BR$1,470$1,590
1 BR$1,480$1,550
2 BR$1,820$1,720
3 BR$2,450$1,900
4 BR$2,890$2,190
5 BR$3,323Not available
6 BR$3,822Not available
7 BR$4,395Not available
8 BR$5,055Not available

Purchase Price Calculator

Maximum purchase price
$193,675

Cost breakdown

+Likely effective rent$1,720
HUD FMR$1,820
Market rentUsed$1,720
Est. payment standard (96%)$1,760
-Principal and interest-$979
Loan amount$154,940
Down payment$38,735
Rate6.50%
Term30 years
-Operating costs-$541
Property taxes-$194
Insurance-$175
Utilities$0
HOA$0
Management-$172
=Target cash flow+$200
Calculation mode

Hold period projections

Annual appreciation rate
3-year hold
+$27,643(71.4% ROI)
Projected value
$208,567
Return breakdown
Property appreciation+$14,892
Loan principal paid down+$5,551
Rental cash flow+$7,200
5-year hold
+$47,350(122.2% ROI)
Projected value
$219,125
Return breakdown
Property appreciation+$25,450
Loan principal paid down+$9,899
Rental cash flow+$12,000
10-year hold
+$101,833(262.9% ROI)
Projected value
$247,920
Return breakdown
Property appreciation+$54,245
Loan principal paid down+$23,588
Rental cash flow+$24,000

Public Housing Authority

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Rolodex

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Market Alignment

Studio
0.89
1 BR
0.93
2 BR
1.06
3 BR
1.29
4 BR
1.32
0.701.001.30aligned range
Historical
FY 2023-2027
FMR
FY2027
Market rent
last ~365 days
Property value
--
Tax rate
--
Mortgage rate
--

ZIP 33955 fair market rent, FY 2027

For FY 2027, HUD's Small Area Fair Market Rent for a two-bedroom unit in ZIP 33955 (Punta Gorda, FL) is $1,820 a month. That is up 3.4% from $1,760 in FY 2026. Punta Gorda is in the Punta Gorda, FL MSA. HUD also publishes the ZIP-level Small Area FMRs shown here, but unless the local housing authority has adopted them, vouchers are based on the metro-wide two-bedroom FMR of $1,575. Among 21 ZIP codes in Charlotte County, 33955 has the 3rd-highest two-bedroom rent (county range $1,330–$2,130). The median county two-bedroom FMR in Florida is $1,474, so ZIP 33955 is 23% above it.

FY 2027 rent by bedroom

FY 2027 fair market rent by bedroom for 33955
BedroomsFY 2027Change90–110% range
Studio$1,470+4.3%$1,323–$1,617
1BR$1,480+4.2%$1,332–$1,628
2BR$1,820+3.4%$1,638–$2,002
3BR$2,450+1.2%$2,205–$2,695
4BR$2,890+5.5%$2,601–$3,179

Fair market rent history, FY 2023–2027

Fair market rent by fiscal year for 33955
Fiscal yearStudio1BR2BR3BR4BR
FY 2027$1,470$1,480$1,820$2,450$2,890
FY 2026$1,410$1,420$1,760$2,420$2,740
FY 2025$1,330$1,340$1,680$2,320$2,550
FY 2024$1,210$1,240$1,530$2,130$2,500
FY 2023$1,060$1,140$1,420$1,990$2,360

Two-bedroom rent in nearby Charlotte County ZIP codes

FY 2027 two-bedroom Small Area FMR by ZIP code
ZIP code2 bedroomvs. 33955
33938$1,580−13.2%
33946$1,390−23.6%
33947$1,660−8.8%
33948$1,660−8.8%
33949$1,580−13.2%
33950$1,540−15.4%
33951$1,580−13.2%
33952$1,490−18.1%
33953$2,050+12.6%
33954$2,130+17.0%
33955Current$1,820—
33980$1,430−21.4%

Questions about ZIP 33955 rents

How much will Section 8 pay for a two-bedroom in ZIP 33955?

Housing authorities set voucher payment standards, normally between 90% and 110% of the FMR. With the metro-wide two-bedroom FMR of $1,575, which applies unless the housing authority uses Small Area FMRs, that basic range is $1,418 to $1,733 a month; under the ZIP-level Small Area FMR of $1,820 it would be $1,638 to $2,002. The voucher pays the lower of the payment standard or the gross rent, minus the tenant's share, which is usually about 30% of adjusted monthly income. Confirm the local housing authority's current schedule before underwriting.

Which HUD fair market rent area is ZIP 33955 in?

ZIP 33955 is in the Punta Gorda, FL MSA. Small Area FMRs are optional here; the metro-wide two-bedroom FMR is $1,575.

How much did fair market rent change in ZIP 33955 for FY 2027?

The two-bedroom FMR rose 3.4%, from $1,760 in FY 2026 to $1,820 in FY 2027. Since FY 2023 it has risen 28.2%.

When do FY 2027 fair market rents take effect?

HUD's FY 2027 fair market rents took effect on October 1, 2026. When FMRs change, housing authorities generally have up to three months to bring payment standards back within 90% to 110% of the new FMR.

Source: HUD FY 2027 Small Area Fair Market Rents and area FMRs. Payment-standard ranges are 90% to 110% of FMR, HUD's basic range, not a housing authority's published schedule. How payment standards are set

County fair market rentPunta Gorda, FL fair market rentFL statewide rentsWhat is SAFMR?Data sources