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Lender Tables
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Compare Current Punta Gorda, Florida Mortgage Rates
Compare Punta Gorda, FL mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Punta Gorda.
We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Punta Gorda. Plus, shopping lenders is free and there is no obligation.
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Punta Gorda, FL Mortgage Rates as of July 26, 2025
Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Read through our lender table disclaimer for more information on rates and product details.
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Compare Today's Punta Gorda, FL Mortgage Rates
July 26, 2025
Current mortgage rates in Punta Gorda, FL are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Punta Gorda, FL Rates
National Average
Comparison
30 Year Fixed Rate
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6.670%
15 Year Fixed Rate
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5.960%
5/1 Adjustable Rate Mortgage
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6.250%
How Affordable is Housing in Punta Gorda, Florida?
Below we provide helpful information on the real estate market, home prices and housing affordability in Punta Gorda. Understand how much you need to earn to afford a home in Punta Gorda, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Punta Gorda fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Punta Gorda is right for you.
The median home value for Punta Gorda, FL (Charlotte County) is $325,766
Based on current mortgage rates and a 10% down payment, you need to make $67,960 per year to buy the median priced home in Punta Gorda
With this income, you could qualify for a $293,190 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Punta Gorda is $1,574
The median household income for Punta Gorda, FL (Charlotte County) is $60,151
Based on this income, you can afford a home valued at approximately $288,331
The home price you can afford to buy based on household income in Punta Gorda is 89% of the median home value which means housing prices are expensive.
Punta Gorda (Charlotte County) ranks 52 out of 67 counties in Florida and 2,927 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Punta Gorda, FL is expensive
Loan Limits for Punta Gorda, Florida
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Punta Gorda (Charlotte County) below.
Conforming loan limits for Punta Gorda, FL
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Punta Gorda, FL
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Punta Gorda, FL
1 unit:$726,200
Additional Mortgage Resources for Punta Gorda, FL Residents