What $400K Buys in Charlotte County, FL
A $400K budget buys a very different house depending on which Charlotte County city you point it at. This page compares every city with at least five active listings within 10% of $400K — size, age, bed and bath count, price per square foot, how much of the inventory is new construction and how long it has been sitting — from today’s live MLS actives, and lists the communities with the most homes at that price. It refreshes every night.
There are 357 homes for sale in Charlotte County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,816 sq ft, built 2022, at $217/sq ft; 36% of them are new construction and the median has been on the market 50 days. The most house for the money is in Punta Gorda (1,915 sq ft median); the least in Englewood (1,639 sq ft); the newest in Port Charlotte (median build year 2023).
What $400K buys, city by city
| City | Homes for sale | Median sq ft | Beds / baths | Median year built | $ / sq ft | New construction | Median DOM |
|---|---|---|---|---|---|---|---|
| Port Charlotte | 164 | 1,813 | 3 / 2 | 2023 | $218 | 43% | 60 |
| Punta Gorda | 102 | 1,915 | 3 / 2 | 2015 | $206 | 32% | 42 |
| Rotonda West | 44 | 1,728 | 3 / 2 | 2023 | $225 | 41% | 79 |
| Englewood | 36 | 1,639 | 3 / 2 | 1998 | $247 | 14% | 17 |
| Placida | 10 | 1,658 | 2 / 2 | 1996 | $249 | 10% | 101 |
By ZIP code: where $400K goes furthest
The same budget by ZIP — useful where one city covers most of the county.
| ZIP | Homes for sale | Median sq ft | Median year built | $ / sq ft | New construction |
|---|---|---|---|---|---|
| 33981 Port Charlotte | 59 | 1,886 | 2025 | $220 | 61% |
| 33947 Rotonda West | 44 | 1,728 | 2023 | $225 | 41% |
| 33950 Punta Gorda | 40 | 1,811 | 2003 | $228 | 12% |
| 33953 Port Charlotte | 30 | 1,988 | 2024 | $206 | 40% |
| 33955 Punta Gorda | 29 | 2,088 | 2026 | $195 | 62% |
| 34224 Englewood | 28 | 1,676 | 2006 | $229 | 18% |
| 33948 Port Charlotte | 24 | 1,636 | 2008 | $230 | 29% |
| 33954 Port Charlotte | 24 | 1,812 | 2006 | $211 | 38% |
| 33980 Port Charlotte | 17 | 1,868 | 2022 | $206 | 35% |
| 33983 Punta Gorda | 15 | 2,106 | 2001 | $186 | 33% |
| 33982 Punta Gorda | 15 | 2,009 | 2024 | $219 | 33% |
| 33952 Port Charlotte | 13 | 1,659 | 1978 | $242 | 8% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Rotonda Heights | ROTONDA WEST | 11 | 1,710 | 2025 |
| Rotonda West Broadmoor | ROTONDA WEST | 6 | 1,875 | 2010 |
| Rotonda West Oakland Hills | ROTONDA WEST | 4 | 1,748 | 1977 |
| Cove AT WEST PORT | PORT CHARLOTTE | 3 | 2,045 | 2026 |
| Esplanade At Starling | PUNTA GORDA | 3 | 1,677 | 2026 |
| Seminole Lakes | PUNTA GORDA | 3 | 2,229 | 1999 |
| Suncoast Lakes | PORT CHARLOTTE | 2 | 2,163 | 2006 |
| Port Charlotte | Port Charlotte | 1 | 1,696 | 1974 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of October 13, 2026; property mix at this price: Single-family 90%, Condo 8%, Townhouse 1%. Cities with fewer than five listings in the band are folded out of the city table but still count in the county total. Prices are asking prices, not closings — see the county page for sale-to-list ratios. Source: live MLS feeds compiled by Momentum Research. Other budgets in Charlotte County: $300K, $500K, $750K, $1M. Back to homes for sale in Charlotte County, FL.