Charlo, MT

Montana

Charlo is a small town in Montana with a population of 344. Residents earn $39,107 per year, which is 48% below the national average.

3.4 /5.0
B Good
344 Population 173/sq mi density
$39,107 Median Income $25,310 per capita
$162,500 Home Value $516,868 Zillow
$833 Median Rent
48°F Avg Temperature
B
Overall
3.4 / 5.0
Good overall score based on economy, affordability, safety and education
B+
Economy
3.5 / 5.0
$39,107 median income, 2.1% unemployment
A
Affordability
4.3 / 5.0
$162,500 home value, $833/mo rent
C
Education
2.3 / 5.0
16.7% bachelor's degree or higher
Median Income $39,107
48% lower than US avg
Home Value $162,500
42% lower than US avg
Bachelor's+ 16.7%
50% lower than US avg
Median Rent $833
28% lower than US avg
Obesity Rate 34.3%
7% higher than US avg
Unemployment 2.1%
42% lower than US avg
Poverty Rate 10.8%
13% lower than US avg

How Charlo Compares to the U.S. Average (100% = U.S. avg)

People

Population344
Median Age45.5 yrs
Density173/mi²
Male / Female50% / 50%
Largest GroupWhite 79%

Economy

B+
Median Income$39,107
Per Capita$25,310
Unemployment2.1%
Poverty10.8%
County GDP$1,355M
Commute31 min

Housing

A
Home Value$162,500
Rent$833
OwnershipN/A
Zillow$516,868

Crime

ViolentN/A
PropertyN/A

Health

Obesity34.3%
UninsuredN/A
Depression28.6%
Heart Disease6.4%

Climate

Avg Temp48°F
AQI26 (Good)
Rain16.7 in/yr
Elevation2,943 ft

Education

C
Bachelor's+16.7%
High School+93.3%
School Score5.68

Community

2024 VoteR 58% / D 39%
Commute31 min
Libraries3

Is Charlo a Good Place to Live?

Based on current data, Charlo receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include low unemployment, affordable housing. Areas to be aware of include below-average incomes. Charlo offers a solid quality of life with a good balance of affordability, safety, and opportunity.

Economy & Jobs

The median household income in Charlo is $39,107, 48% below the national average of $75,149. The job market is very strong with unemployment at just 2.1%. 10.8% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 31 minutes.

Cost of Living & Housing

The median home value in Charlo is $162,500, 42% below the national median — offering relatively affordable homeownership. Renters pay a median of $833 per month, below the national average — a plus for affordability. A price-to-income ratio of 4.2x indicates a reasonably affordable housing market.

Education

16.7% of residents hold a bachelor's degree, below the national average of 33.7%. 93.3% have completed high school. Area schools have an average test score of 5.7/10.

Climate & Weather

Charlo experiences four distinct seasons with an average temperature of 48°F. Winters average 30°F in January while summers reach 69°F in July. Annual precipitation totals 16.7 inches. Air quality is rated Good with a median AQI of 26.

Charlo has a population of 344 with a density of 173 people per square mile. The median age is 45.5 years, 17% older than the national median of 38.9. The city is predominantly White (78.8%), with 14.8% Hispanic, 1.2% Black.

Population

344
Total Population
173
People / sq mi
45.5yrs
Median Age
17% above US avg
2.0mi²
Land Area

Gender Distribution

Male 49.7%
Female 50.3%

Race & Ethnicity

Charlo vs U.S. Average

Language Spoken at Home

English Only85.0%
8% above US avg
Spanish15.0%
12% above US avg

Social Characteristics

Charlo vs U.S. Average

The median household income in Charlo is $39,107, which is 48% below the national average of $75,149. The unemployment rate is 2.1% (below the 3.6% US average). 10.8% of residents live below the poverty line. Workers commute an average of 31 minutes.

Income: Charlo vs U.S.

Commute Mode

Income

Median HH Income$39,107
48% below US avg
Per Capita Income$25,310
Avg Weekly Wage$967
IRS Avg AGI$71,531

Employment & Poverty

Unemployment2.1%
42% below US avg
Poverty Rate10.8%
13% below US avg
Establishments (County)1,300
County GDP$1,355M

Business (County)

Restaurants92
Healthcare98
Retail109
Manufacturing43

Tax & Cost of Living

Property Tax (IRS)$4,744
36% above US avg
Effective Tax Rate2.92%

Commute & Transportation

Commute Time30.6 min
Work from Home14.9%

Walkability

The median home value in Charlo is $162,500, 42% below the national average. Monthly rent averages $833 (28% below US avg). Zillow estimates the typical home value at $516,868.

Home Value Sources

Ownership Split

Home Values

Census Median$162,500
42% below US avg
Zillow ZHVI$516,868

Real Estate Market (Redfin)

Rental Costs

Census Median Rent$833
28% below US avg

HUD Fair Market Rent

Studio$988
1 Bedroom$1,076
2 Bedrooms$1,336
3 Bedrooms$1,789
4 Bedrooms$2,113

Ownership & Property

Owner-Occupied62.4%

Property Tax

Avg Tax (IRS)$4,744
36% above US avg
Effective Rate2.92%
In Charlo, 34.3% of adults are obese (above the 32.1% national rate). 28.6% report depression. 23.5% are physically inactive.

Health Metrics: Charlo vs U.S. Average (%)

Chronic Conditions

Obesity34.3%
7% above US avg
Diabetes9.7%
Heart Disease6.4%
High Blood Pressure30.3%
Asthma12.4%
COPD7.7%
Stroke3.5%

Behaviors & Mental Health

Binge Drinking21.1%
Physical Inactivity23.5%
Depression28.6%
Mental Distress20.9%
Physical Distress15.3%

Healthcare Access

Insurance Rate85.1%
Checkup Rate70.4%
Premature Death11,703/100K

Food & Exercise

Food Environment8.3/10
Exercise Access62.8%
Healthcare Facilities98

Crime Rates: Charlo vs U.S. Average (per 100,000)

Violent Crime

Property Crime

Traffic Safety

Fatal Crashes (County/yr)10

Safety Score

Charlo has an average annual temperature of 48°F (9°C). Winters average 30°F in January while summers reach 69°F in July. Annual precipitation is 16.7 inches. Air quality is rated Good with a median AQI of 26.

Temperature

30°F Jan (-1°C) 69°F Jul (21°C)
Annual Average47.7°F
12% below US avg
January Average30°F (-1°C)
July Average69°F (21°C)

Precipitation & Snow

Annual Rainfall16.7 inches
56% below US avg

Air Quality

AQI Median26.0
RatingGood

Geography

Elevation2,943 ft (897 m)
Area2.0 sq mi (5.2 km²)
Population Density173/sq mi
Coordinates47.4428°N, 114.1722°W
County FIPS30047
It is classified as Nonmetro — Urban 2.5K–20K, adjacent. 16.7% of residents hold a bachelor's degree or higher (50% below US avg). In the 2024 election, the county voted Republican by a 19.9-point margin.

2024 Presidential Election (County)

R 58.4%
D 38.5%

Winner: Republican by 19.9 points

Education

Bachelor's Degree+16.7%
50% below US avg
High School+93.3%
School Test Score5.68
C Education Grade (2.3/5.0)

Urban-Rural Classification

RUCC Code 6Nonmetro — Urban 2.5K–20K, adjacent
Population Density173/sq mi
Total Area2.0 sq mi

Infrastructure & Services

Public Libraries3
Healthcare Facilities98
Restaurants92
Retail Stores109

Safety & Disasters

Fatal Crashes (County/yr)10

Commute & Transportation

Avg Commute30.6 min
Work from Home14.9%

Nearby Cities

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