ZIP Code 33954 — Port Charlotte CDP, FL Demographics & Data

ZIP code 33954 covers Port Charlotte, FL in Charlotte County with a population of about 11,604.

At a glance, the area shows median age of 52.8 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.

Median household income in ZIP 33954 is about $83,081 — about 11% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.1%; unemployment rate near 4.5%; 23.3% of adults with a bachelor’s degree or higher (about 10.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Construction; about 11.8% of workers reporting work-from-home (about 3.4 points below 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 $304,000 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,529 (about 31% above the U.S. median rent ($1,163)), and owner-occupancy near 81.7% (about 16.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33954 in Port Charlotte, FL, a household would need roughly $84,000 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 $1,953. That is roughly in line with the local median household income ($83,081). 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 Port Charlotte 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 Port Charlotte 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 519 for ZIP 33954 (Port Charlotte 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.