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Punta Gorda, Florida Retirement Guide
established retirement community
62
Retirement Score
Punta Gorda, Florida at a Glance
- Median Home Price
- $446,100
- State Income Tax
- No state income tax; Social Security and pension income fully exempt.
- Avg January Low
- N/A
- Cost of Living Index
- 102.3 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 62 / 100
Retirement Data
Affordability
Cost of Living Index
102.3 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$446,100High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Monthly Rent
$1,172High confidence
U.S. Census ACS 5-Year · Updated April 2026
Taxes
Retirement Tax Score
100 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
No state income tax; Social Security and pension income fully exempt.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
60 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
42.1 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
60 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July HighData not available
Avg January LowData not available
Annual PrecipitationData not available
Sunny Days / YearData not available
Safety
Safety Score
98 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
6 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
1.2 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
19,605High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
66.3High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
52.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$75,898High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
82.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
12.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
39.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
8.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
89.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
2.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
4.1%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
0.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Punta Gorda using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$967
Stress-case monthly carrying cost
$1,086
Median home price used: $446,100
Median rent reference: $1,172 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.