ZIP Code 33955 — Punta Gorda city, FL Demographics & Data

ZIP code 33955 covers Punta Gorda, FL in Charlotte County with a population of about 10,503.

At a glance, the area shows median age of 64.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 239, 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+ (48.9%)). 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 33955 is about $76,733 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.9%; unemployment rate near 4.7%; 30.7% of adults with a bachelor’s degree or higher (about 3.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 19.8% of workers reporting work-from-home (about 4.6 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 $321,500 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,463 (about 26% above the U.S. median rent ($1,163)), and owner-occupancy near 91.0% (about 25.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 33955 in Punta Gorda, FL, a household would need roughly $88,000 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 $2,065. That is roughly in line with the local median household income ($76,733). 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 470 for ZIP 33955 (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.