Investor market data · Florida

Punta Gorda, FL Rental Market for Investors

An estimated 22% of Punta Gorda's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of August 2026.

See what pencils →Run a DSCR

$379,296Median list price1,259 active listings

$29,394Median STR revenue / yrprojected, gross

Homes in Punta Gorda that pencil right now

A sample of active Punta Gorda listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of August 2026.

$149,900DSCR 1.32
2 bed · 2 bath · 1,049 sqft
Condo in 33950 · built 1980
STR revenue
$31,935/yr
Est. interest-only payment
$1,614/mo
On the market 155 days · Listed by Compass Florida
Scout this home & market: 2-bed condo in Punta Gorda
$157,900DSCR 2.20
2 bed · 2 bath · 1,416 sqft
House in 33982 · built 1970
STR revenue
$30,371/yr
Est. interest-only payment
$919/mo
On the market 13 days · Listed by Gulf Coast Living Real Estate, Inc
Scout this home & market: 2-bed house in Punta Gorda
$161,000DSCR 2.09
2 bed · 1 bath · 670 sqft
House in 33982 · built 1949
STR revenue
$30,371/yr
Est. interest-only payment
$969/mo
On the market 47 days · Listed by Century 21 Tropical Breeze Realty
Scout this home & market: 2-bed house in Punta Gorda
$169,900DSCR 1.26
2 bed · 2 bath · 1,120 sqft
Condo in 33950 · built 1979
STR revenue
$31,685/yr
Est. interest-only payment
$1,682/mo
On the market 97 days · Listed by Coldwell Banker Sunstar Realty
Scout this home & market: 2-bed condo in Punta Gorda
$189,000DSCR 1.35
2 bed · 2.5 bath · 1,154 sqft
Townhouse in 33983 · built 2007
STR revenue
$31,184/yr
Est. interest-only payment
$1,542/mo
On the market 238 days · Listed by Zwiercan Realty Inc
Scout this home & market: 2-bed townhouse in Punta Gorda

Ask about Punta Gorda deals →Run any address yourself

As of August 2026, we analyzed 1,259 active for-sale homes in Punta Gorda, Florida. The typical listing is priced at $379,296 and is projected to generate about $29,394 a year as a short-term rental.

After setting aside an estimated 20% for operating costs, an estimated 22.3% of those homes could still cover an investor mortgage payment on short-term-rental income — below the 52.5% median across the 200 major metros we track, ranking Punta Gorda #183 of 200 for cash-flow potential.

On market momentum: homes in Punta Gorda sit a median of 95 days on the market, and 19% of active listings came on in just the last 30 days — a slower-moving market, which shapes how much room there is to negotiate.

For a DSCR loan — which qualifies on the property's rental income rather than your personal income — Punta Gorda runs tighter once operating costs are accounted for: many listings need a below-median price, a stronger short-term-rental setup, or more money down before the income covers the payment. It's a market where running the numbers property-by-property matters.

What actually works in Punta Gorda

Cash-flow is the exception rather than the rule in Punta Gorda right now: 77 of the 961 Punta Gorda homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $370,000.

Share of those listings clearing an DSCR of 1.25, by price and bedroom count. The smaller figure is the median DSCR for that group.
Price	2 bed	3 bed	4 bed
$150k–$250k	28%0.94	65%1.42	—
$250k–$350k	1%0.65	10%0.85	19%0.92
$350k–$500k	0%0.47	1%0.62	8%0.75
$500k+	0%0.38	0%0.45	0%0.47

Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.

Punta Gorda in full

Active for-sale homes analyzed	1,259
Median list price	$379,296
Median projected STR revenue (annual, gross)	$29,394
Median average daily rate (ADR)	$145
Median occupancy	57%
Median beds	3
Median size	1,867 sqft
Estimated cash-flow-positive share	22.3%
Median days on market	95 days
New listings (last 30 days)	18.7% of active