ZIP Code 33946 — Rotonda CDP, FL Demographics & Data

ZIP code 33946 covers Rotonda, FL in Charlotte County with a population of about 2,745.

At a glance, the area shows median age of 63.2 versus a U.S. median of about 38.9.

It sits in telephone area code 941; U.S. House district FL-17; the FT. MYERS - NAPLES media market.

Rotonda, FL fits a retirement-oriented profile (high share of residents 65+ (45.3%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 33946 is about $93,466 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.2%; unemployment rate near 0.9%; 44.9% of adults with a bachelor’s degree or higher (about 11.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Food services, and Other services; about 37.0% of workers reporting work-from-home (about 21.8 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $626,500 — about 80% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $731 (about 37% below the U.S. median rent ($1,163)), and owner-occupancy near 91.3% (about 25.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33946 in Rotonda, FL, a household would need roughly $172,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,024. That is about 84% above the local median household income ($93,466), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Rotonda CDP, FL as Relatively High (composite score 95.2), which is among the highest nationally. The strongest component scores on US5 are hurricane (99.0) and wildfire (92.5). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Rotonda CDP, FL show little to no average snow and around 54.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 123 for ZIP 33946 (Rotonda CDP, FL) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.