Punta Gorda, FL
Executive Summary
Punta Gorda's housing market shows average risk, ranking 104th of 273 metros. The market recently entered Expansion. Inventory is growing moderately (-25% YoY) with stable liquidity. Broad-based growth with healthy fundamentals.
Punta Gorda experienced a market correction from early 2025 through mid-2025. The market has since normalized and entered Expansion.
Inventory is declining (-25% YoY), indicating a tight market with limited supply.
Rent growth is roughly keeping pace with price appreciation, suggesting valuations are not stretched.
Cycle Phase
Normal growth conditions with balanced fundamentals
Key Dynamics
Risk is primarily driven by permits per capita and affordability, while migration provides the most support.
Top Drivers
Market Signals
Inventory is declining (-25% YoY), indicating a tight market with limited supply.
Liquidity
Valuation
Factor Details
12-month HPI change — higher = overheating
YoY permit change — higher = supply pressure
Permits per 1,000 residents — higher = overbuilding risk
Mortgage payment / income — higher = more burdened
12-month employment change (risk inverted)
Net AGI migration (risk inverted)
National Context
Credit Conditions
Credit Regime
Normal expansion. Credit is available, transactions are healthy — no constraints on current growth momentum.
Supply Pipeline
Supply Regime
Supply pipeline is building up while credit remains available. New units are accumulating in the system — watch for delivery pressure in coming quarters.
Local Signals
Metro Permit Activity
Permit Activity
CoolingRaw signal — not the composite percentile
Relative to 2016–2019 norms for this metro
Builders are pulling back but demand remains healthy. A supply constraint could form — fewer new units entering a market that is still absorbing well.
Employment Concentration
Employment
ModerateInternal Structure
County-level structural analysis.
County-level structural analysis is not available for this metro due to fewer than 3 qualifying counties.
Score History
| Month | Score |
|---|---|
| 2026-06 | 51 |
| 2025-12 | 35 |
| 2025-09 | 50 |
| 2025-07 | 53 |
| 2025-05 | 55 |
| 2025-03 | 58 |
| 2025-02 | 56 |
| 2025-01 | 53 |
| 2024-12 | 56 |
| 2024-10 | 46 |
| 2024-07 | 43 |
| 2024-04 | 44 |
| 2024-01 | 44 |
| 2023-11 | 43 |
| 2023-09 | 48 |
| 2023-07 | 48 |
| 2023-04 | 51 |
| 2023-02 | 59 |
| 2022-11 | 70 |
| 2022-09 | 62 |
| 2022-08 | 61 |
| 2022-06 | 63 |
| 2022-04 | 62 |
| 2022-03 | 64 |
| 2022-01 | 66 |
| 2021-10 | 64 |
| 2021-07 | 63 |
| 2021-05 | 67 |
| 2021-03 | 60 |
| 2020-12 | 58 |
| 2020-09 | 51 |
| 2020-06 | 50 |
| 2020-04 | 59 |
| 2020-03 | 50 |
| 2020-01 | 49 |
| 2019-11 | 54 |
| 2019-09 | 59 |
| 2019-08 | 56 |
| 2019-06 | 59 |
| 2019-05 | 58 |
| 2019-03 | 62 |
| 2019-02 | 60 |
| 2019-01 | 60 |