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 172 homes for sale in Charlotte County, FL priced between $360,000 and $440,000 right now. At $400K, the typical home is 1,861 sq ft, built 2018, at $214/sq ft; 35% of them are new construction and the median has been on the market 57 days. The most house for the money is in Port Charlotte (2,006 sq ft median); the least in Placida (1,423 sq ft); the newest in Rotonda West (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 |
|---|---|---|---|---|---|---|---|
| Punta Gorda | 87 | 1,915 | 3 / 2 | 2022 | $208 | 41% | 37 |
| Rotonda West | 37 | 1,724 | 3 / 2 | 2023 | $228 | 46% | 66 |
| Port Charlotte | 23 | 2,006 | 3 / 2 | 2023 | $197 | 30% | 44 |
| Englewood | 15 | 1,856 | 3 / 2 | 1991 | $207 | 0% | 66 |
| Placida | 10 | 1,423 | 2 / 2 | 1996 | $298 | 10% | 84 |
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 |
|---|---|---|---|---|---|
| 33947 Rotonda West | 37 | 1,724 | 2023 | $228 | 46% |
| 33950 Punta Gorda | 30 | 1,658 | 1996 | $241 | 10% |
| 33955 Punta Gorda | 29 | 2,110 | 2026 | $191 | 79% |
| 33983 Punta Gorda | 16 | 2,079 | 2026 | $191 | 56% |
| 33953 Port Charlotte | 13 | 2,006 | 2023 | $199 | 15% |
| 33946 Placida | 10 | 1,423 | 1996 | $298 | 10% |
| 34224 Englewood | 10 | 2,100 | 2005 | $197 | 0% |
| 33982 Punta Gorda | 10 | 1,598 | 2014 | $239 | 10% |
| 33981 Port Charlotte | 7 | 1,980 | 2024 | $197 | 57% |
| 34223 Englewood | 5 | 1,524 | 1978 | $249 | 0% |
Communities with the most homes near $400K
| Community | City | Homes for sale near $400K | Median sq ft | Median year built |
|---|---|---|---|---|
| Rotonda Heights | ROTONDA WEST | 9 | 1,639 | 2025 |
| Rotonda West Broadmoor | ROTONDA WEST | 6 | 1,867 | 2005 |
| Rotonda West Oakland Hills | ROTONDA WEST | 2 | 1,655 | 1991 |
| Seminole Lakes | PUNTA GORDA | 2 | 2,091 | 1999 |
| Trop G A | PUNTA GORDA | 1 | 1,552 | 2027 |
| Esplanade At Starling | PUNTA GORDA | 1 | 1,483 | 2026 |
| Suncoast Lakes | PORT CHARLOTTE | 1 | 2,160 | 2006 |
| Oyster Creek | ENGLEWOOD | 1 | 1,822 | 1991 |
How to read this
Counts and medians are computed from active MLS listings priced within 10% of $400K ($360,000–$440,000) as of September 18, 2026; property mix at this price: Single-family 83%, Condo 15%, 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. Back to homes for sale in Charlotte County, FL.