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Punta Gorda, FL

Cost of living in Charlotte County, FL

Part of the Punta Gorda Metro Area

Estimated monthly cost
$2,999/mo
for a single person, all categories combined

Population 195,083 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $1,160 39%
Healthcare $480 16%
Federal tax $435 15%
Groceries $352 12%
Transport $320 11%
Energy $197 7%
Water $55 2%
State tax $0 0%

Rent in Charlotte County

Fair Market Rents by bedroom count.

Studio
$1,153
per month
1 bedroom
$1,160
per month
2 bedroom
$1,461
per month
3 bedroom
$2,047
per month
4 bedroom
$2,246
per month

Source: HUD FMR FY2025

Income and earnings in Charlotte County

Annual earnings figures from the Census ACS.

Household income
$66,154
per year
Individual earnings
$36,653
per year
Per capita
$40,603
per year

Source: ACS 2019-2023 5-Year.

Home values in Charlotte County

Average values reported by homeowners.

Average home value
$291,000
Annual property tax
$2,581

Source: ACS 2019-2023 5-Year

Energy costs in Charlotte County

Estimated monthly electricity and gas costs.

Electricity
$176
per month · 16¢/kWh
Natural gas
$21
per month
Annual total
$2,364
per year

Source: EIA

Healthcare in Charlotte County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
9.8%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in Charlotte County

State and local tax rates for Florida.

No state income tax
Florida does not levy a personal income tax.
State sales tax
6.0%
Combined sales tax
7.0%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in Charlotte County

Commute patterns and estimated costs.

Average commute
27.3 min
Drive alone
73.0%
Public transit
0.2%
Work from home
15.3%

Source: ACS

Monthly cost estimates for Charlotte County

What it costs to live in Charlotte County each month.

Single person
$2,999
per month
  • Rent $1,160
  • Energy $197
  • Water $55
  • Groceries $352
  • Transport $320
  • Healthcare $480
  • Federal tax $435
  • State tax $0
Couple
$4,382
per month
  • Rent $1,461
  • Energy $236
  • Water $65
  • Groceries $583
  • Transport $420
  • Healthcare $864
  • Federal tax $753
  • State tax $0
Family
$7,126
per month
  • Rent $2,047
  • Energy $296
  • Water $75
  • Groceries $885
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $753
  • State tax $0

Frequently asked questions about Charlotte County

Common questions about cost of living, rent and salary.

What is the average rent in Charlotte County?

In Charlotte County, FL, a one-bedroom apartment averages $1,160 per month, a two-bedroom averages $1,461 per month, a three-bedroom averages $2,047 per month, according to HUD Fair Market Rent data.

What is the average salary in Charlotte County?

In Charlotte County, FL, the average household income is $66,154 per year and individual earnings for full-time workers average $36,653 per year, according to U.S. Census Bureau data.

What is the cost of living in Charlotte County?

The estimated cost of living in Charlotte County, FL is approximately $2,999 per month for a single person, $4,382 for a couple, $7,126 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in Charlotte County?

The combined sales tax rate in Charlotte County, FL is 7.01%, which includes the Florida state rate of 6.00% plus an average local rate of 1.01%.

Is Charlotte County an affordable place to live?

Based on the data, a single person in Charlotte County, FL would need approximately $2,999 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $66,154 per year ($5,513 per month). Charlotte County has a moderate cost of living relative to local earnings.

How much does healthcare cost in Charlotte County?

The ACA marketplace benchmark premium in Charlotte County, FL is approximately $480 per month for an individual. Approximately 9.8% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in Charlotte County?

The average home value in Charlotte County, FL is $291,000, with average annual property taxes of $2,581, according to U.S. Census Bureau data.

How does Charlotte County compare to other areas?

You can compare Charlotte County, FL with any other US county using our comparison tool at /compare. Charlotte County is in the Punta Gorda, FL metro area.

Other counties in Florida

Browse the full list of counties in Florida, ranked by cost of living.

See all counties in Florida

Compare Charlotte County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources