ZIP Code 33950 — Punta Gorda city, FL Demographics & Data

ZIP code 33950 covers Punta Gorda, FL in Charlotte County with a population of about 24,492.

At a glance, the area shows median age of 64.6 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.

Punta Gorda, FL fits a retirement-oriented profile (high share of residents 65+ (49.3%)). 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 33950 is about $74,484 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.5%; unemployment rate near 5.3%; 36.3% of adults with a bachelor’s degree or higher (about 2.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 17.7% of workers reporting work-from-home (about 2.5 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 $393,500 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,057 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 83.1% (about 17.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33950 in Punta Gorda, FL, a household would need roughly $108,000 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 $2,528. That is about 45% above the local median household income ($74,484), 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 Punta Gorda city, 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 Punta Gorda city, FL show little to no average snow and around 54.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,096 for ZIP 33950 (Punta Gorda city, 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.