HomeFloridaCharlotte CountyPunta Gorda
Punta Gorda, Florida: commercial real estate data.
Punta Gorda is a Census city of 20,278 people across 15.45 square miles of land, in Charlotte County. Median household income is $85,779, 81.7 percent of occupied homes are owned, and the SBA record carries 81 7(a) approvals to borrowers here worth $43.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Punta Gorda
What Punta Gorda is
- Census place typecity
- Land area15.45 sq mi
- Water area16.89 sq mi
- Population per square mile of land1,313
- County holding the largest share of its areaCharlotte County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Punta Gorda
How many people live in Punta Gorda
- Population20,278
- Median age66.3
- Population under 181,663 plus or minus 373
- Share under 188.2 percent plus or minus 1.8
- Population 65 and over10,868
- Share 65 and over53.6 percent
- Households10,235
- Family households6,823
- Share of households that are families66.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Punta Gorda
Income and work in Punta Gorda
- Median household income$85,779
- Per capita income$58,036
- Civilian labor force6,300
- Employed5,985
- Unemployed315 plus or minus 127
- Unemployment rate5.0 percent plus or minus 1.9
- Adults 25 and over17,830
- Adults 25 and over with a high school diploma or higher96.5 percent
- Adults 25 and over with a bachelor degree or higher41.7 percent
- Adults 25 and over with a graduate degree18.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Punta Gorda
Housing in Punta Gorda
- Housing units13,756
- Occupied units10,235
- Vacant units3,521
- Vacancy rate25.6 percent
- Owner occupied8,362
- Renter occupied1,873
- Ownership rate81.7 percent
- Median owner-occupied home value$518,100
- Median gross rent, monthly$1,410 plus or minus $323
- Annual rent as a share of median income19.7 percent plus or minus 5.1
- Single family units8,421
- Share single family61.2 percent
- Units in buildings of two or more4,395
- Share in buildings of two or more31.9 percent
- Mobile homes859 plus or minus 211
- Median year structure built1994
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Punta Gorda
How Punta Gorda gets to work
- Workers 16 and over who commute4,692
- Commuting under 15 minutes1,828 plus or minus 376
- Share commuting under 15 minutes39.0 percent
- Commuting 30 minutes or more1,542 plus or minus 333
- Share commuting 30 minutes or more32.9 percent
- Drove alone70.8 percent
- Carpooled4.2 percent plus or minus 2.5
- Public transport0.1 percent plus or minus 0.2
- Walked1.4 percent plus or minus 1.1
- Worked from home18.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Punta Gorda
SBA loans in Punta Gorda (7(a))
- Approvals81
- Gross approval$43,793,300
- Average approval$540,658
- Median approval$350,000
- Ninetieth percentile approval$1,315,000
- Largest approval$4,750,000
- Jobs supported975
- Jobs per approval12.0
- Loans with a final outcome9
- Paid in full8
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more14.8 percent
- Share to franchises14.8 percent
- Distinct lenders38
- Distinct industries by NAICS49
Counted by borrower city: approvals to borrowers whose address is in Punta Gorda, in any county, FY2020 to FY2026. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Punta Gorda
SBA loans in Punta Gorda (504)
- Approvals20
- Gross approval$24,110,000
- Average approval$1,205,500
- Median approval$540,000
- Largest approval$5,000,000
- Jobs supported139
- Loans with a final outcome5
- Charged off0
- Median term300 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in Punta Gorda, in any county, FY2010 to FY2026. Only 5 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Punta Gorda
Flood risk in Punta Gorda
- NFIP communityCity of Punta Gorda
- NFIP community number120062
- Participating in the NFIPYes
- Community Rating System classClass 5
- Currently effective map date12/15/22
The City of Punta Gorda participates in the National Flood Insurance Program as community 120062 and carries Community Rating System class 5, a flood insurance premium discount for policies written there.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Charlotte County, not Punta Gorda
Charlotte County context, not Punta Gorda figures
- Establishments in Charlotte County4,601
- Covered employment, Charlotte County56,024
- Average annual pay, Charlotte County$54,082
- Housing units permitted, Charlotte County4,585
Every figure in this section is published for Charlotte County as a whole and is not a measurement of Punta Gorda.
All Charlotte County figures →
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Punta Gorda questions, answered from the record.
How many people live in Punta Gorda, Florida?
20,278, in 10,235 households. Punta Gorda city covers 15.45 square miles of land, which is 1,313 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Punta Gorda in?
Charlotte County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Punta Gorda?
$85,779. The median owner-occupied home is valued at $518,100. Median gross rent is $1,410 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Punta Gorda businesses?
81 7(a) approvals totaling $43.8 m since FY2020, across 38 lenders, median approval $350,000, plus 20 504 approvals worth $24.1 m since FY2010. These count approvals to borrowers whose address is in Punta Gorda, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Punta Gorda borrowers get paid back?
No rate is published for Punta Gorda. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Punta Gorda in the National Flood Insurance Program?
Yes. Punta Gorda appears in the FEMA Community Status Book as Punta Gorda, city of, community 120062, carrying Community Rating System class 5, which is a premium discount for exceeding the program minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Punta Gorda figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Charlotte County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Punta Gorda.
Is zoning published for Punta Gorda?
No. Nothing on this page presents parcel level zoning.
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