Median Income
$69,792
7% lower than US avg
Home Value
$95,500
66% lower than US avg
Bachelor's+
14.2%
58% lower than US avg
Median Rent
$704
39% lower than US avg
Obesity Rate
39.3%
22% higher than US avg
Unemployment
2.8%
22% lower than US avg
Poverty Rate
2.7%
78% lower than US avg
How Charlotte Compares to the U.S. Average (100% = U.S. avg)
People
Population431
Median Age36.8 yrs
Density756/mi²
Male / Female47% / 53%
Largest GroupWhite 83%
Veterans11.5%
Economy
A
Median Income$69,792
Per Capita$35,200
Unemployment2.8%
Poverty2.7%
County GDP$2,951M
Commute31 min
Housing
A+
Home Value$95,500
Rent$704
Ownership78.1%
Zillow$273,569
Housing Units184
Rent Burden28.5%
Health
Obesity39.3%
Uninsured11.8%
Smoking16.8%
Depression21.8%
Heart Disease5.6%
Climate
Avg Temp48°F (9°C)
AQI46 (Good)
Rain37.9 in/yr
Elevation666 ft (203 m)
Education
C
Bachelor's+14.2%
High School+95.2%
Graduate+6.0%
School Score5.78
Community
2024 VoteR 59% / D 40%
Commute31 min
Broadband75.4%
EV Stations1
Libraries7
Is Charlotte a Good Place to Live?
Based on current data, Charlotte receives an overall livability score of 3.8 out of 5.0, earning a grade of B+. Key strengths include low unemployment, affordable housing, a low poverty rate. Areas to be aware of include high obesity rates. Charlotte offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in Charlotte is $69,792, roughly in line with the national average of $75,149. The job market is very strong with unemployment at just 2.8%. Only 2.7% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 31 minutes.
Cost of Living & Housing
The median home value in Charlotte is $95,500, 66% below the national median / offering relatively affordable homeownership. Renters pay a median of $704 per month, below the national average / a plus for affordability. At just 1.4x median income, home prices are very affordable relative to local earnings.
Education
14.2% of residents hold a bachelor's degree, below the national average of 33.7%. 95.2% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Charlotte experiences four distinct seasons with an average temperature of 48°F. Winters average 19°F in January while summers reach 73°F in July. Annual precipitation totals 37.9 inches, including 28.7 inches of snow. Air quality is rated Good with a median AQI of 46.
Charlotte has a population of 431 with a density of 756 people per square mile, spread across 0.6 square miles. The median age is 36.8 years, 5% younger than the national median of 38.9. The gender split is 52.7% female and 47.3% male. The city is predominantly White (83.1%), with 13.9% Hispanic. English is the primary language spoken at home by 90.5% of residents, while 5.7% speak Spanish. 11.5% of the population are veterans, above the national rate of 6.0%. 15.8% of residents have a disability (above the 13.0% national average). 88.2% have health insurance coverage.
Population
431
Total Population
2023 Census
36.8yrs
Median Age
5% below US avg
Race & Ethnicity
Charlotte vs U.S. Average
Language Spoken at Home
English Only
90.5%
15% above US avg
Spanish
5.7%
57% below US avg
Social Characteristics
Charlotte vs U.S. Average
The median household income in Charlotte is $69,792, which is 7% below the national average of $75,149. Per capita income is $35,200. The average weekly wage is $1,014, 29% lower than the U.S. average. The unemployment rate is 2.8% (below the 3.6% US average). 2.7% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,498 business establishments, including 117 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 31 minutes. 6.6% of workers work from home (below the 15.2% national rate).
Income: Charlotte vs U.S.
Income
| Median HH Income | $69,792 |
| 7% below US avg |
| Per Capita Income | $35,200 |
| Avg Weekly Wage | $1,014 |
| IRS Avg AGI | $65,940 |
| Gini Index | 0.432 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 2.8% |
| 22% below US avg |
| Poverty Rate | 2.7% |
| 78% below US avg |
| Establishments (County) | 1,498 |
| County GDP | $2,951M |
Business (County)
| Restaurants | 117 |
| Healthcare | 128 |
| Retail | 162 |
| Manufacturing | 60 |
Tax & Cost of Living
| Property Tax (IRS) | $4,438 |
| 27% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 4.65% |
Commute & Transportation
| Commute Time | 30.7 min |
| Drive Alone | 90.6% |
| Public Transit | 0.0% |
| Work from Home | 6.6% |
The median home value in Charlotte is $95,500, 66% below the national median of $281,900. Zillow estimates the typical home value at $273,569, higher than the Census estimate. Monthly rent averages $704 (39% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 78.1% of housing units are owner-occupied (above the 65.4% national rate). There are 184 total housing units in the city. The median year a home was built is 1945. The average annual property tax is $4,438 (higher than the $3,500 national average). 28.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.4x, well within the affordable range.
Home Values
| Census Median | $95,500 |
| 66% below US avg |
| Zillow ZHVI | $273,569 |
Rental Costs
| Census Median Rent | $704 |
| 39% below US avg |
| Rent Burden | 28.5% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 78.1% |
| Owner-Occupied | 78.1% |
| Renter-Occupied | 21.9% |
| Housing Units | 184 |
| Median Year Built | 1945 |
Property Tax
| Avg Tax (IRS) | $4,438 |
| 27% above US avg |
| Effective Rate | 4.65% |
In Charlotte, 39.3% of adults are obese, above the national rate of 32.1%. 9.9% have diabetes. Heart disease affects 5.6% of residents. 31.7% have high blood pressure. 16.8% are current smokers. 23.2% report binge drinking. 25.9% are physically inactive. 21.8% report depression. 18.3% experience frequent mental distress. 11.8% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:2,112. The dentist ratio is 1:1,716. 76.9% of residents have access to exercise opportunities. The food environment index is 8.0 out of 10.
Health Metrics: Charlotte vs U.S. Average (%)
Chronic Conditions
| Obesity | 39.3% |
| 22% above US avg |
| Diabetes | 9.9% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.7% |
| Asthma | 10.3% |
| COPD | 6.7% |
| Cancer | 7.2% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 16.8% |
| 20% above US avg |
| Binge Drinking | 23.2% |
| Physical Inactivity | 25.9% |
| Depression | 21.8% |
| Mental Distress | 18.3% |
| Physical Distress | 12.9% |
| Short Sleep | 32.6% |
Healthcare Access
| Insurance Rate | 88.2% |
| Uninsured | 11.8% |
| 37% above US avg |
| Primary Care | 1:2,112 |
| Dentists | 1:1,716 |
| Mental Health | 1:537 |
| Checkup Rate | 74.6% |
| Dental Visits | 67.4% |
| Premature Death | 8,790/100K |
Food & Exercise
| Food Environment | 8.0/10 |
| Exercise Access | 76.9% |
| Healthcare Facilities | 128 |
Charlotte experiences four distinct seasons with an average annual temperature of 48°F (9°C). Winters average 19°F in January while summers reach 73°F in July. Annual precipitation totals 37.9 inches. The area receives 28.7 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 46. 63% of days have good air quality. The city sits at an elevation of 666 feet.
Temperature
19°F Jan (-7°C)
73°F Jul (23°C)
| Annual Average | 47.9°F |
| 11% below US avg |
| January Average | 19°F (-7°C) |
| July Average | 73°F (23°C) |
Geography
| Elevation | 666 ft (203 m) |
| Area | 0.6 sq mi (1.5 km²) |
| Population Density | 756/sq mi |
| Coordinates | 41.9622°N, 90.4683°W |
| Timezone | America/Chicago |
| County | Clinton County County |
| Nearest Airport | Dubuque Regional (DBQ)
33 miles away |
Precipitation & Snow
Annual Rainfall
37.9"
0% below US avg
Wettest Month (Jun)
4.81"
Air Quality
| AQI Median | 46.0 |
| Rating | Good |
| Good Days % | 63.0% |
| Unhealthy Days | 0 |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0477 ppm |
| SO₂ (Sulfur Dioxide) | 1.32 ppb |
| PM2.5 (Fine Particles) | 11.0 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 64.8 / 100 |
| Social Vulnerability | 34.6 / 100 |
| Community Resilience | 87.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Relatively High |
| Cold Wave |
Relatively Moderate |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
3 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M3.1 on Jul 15, 2024.
| Jun 28, 2004 |
12 km NW of Dayton, Illinois |
M4.2 |
142 km |
| Sep 2, 1999 |
8 km W of Amboy, Illinois |
M3.5 |
90 km |
| Jul 15, 2024 |
2 km WNW of Somonauk, Illinois |
M3.1 |
150 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
653 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 9 fatalities, 266 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 9, 2015 |
EF4 |
98 km |
2 |
| Mar 13, 1990 |
EF4 |
84 km |
0 |
| Mar 29, 1981 |
EF4 |
53 km |
0 |
| Aug 12, 1974 |
EF4 |
94 km |
0 |
| Apr 11, 1965 |
EF4 |
40 km |
1 |
| Jun 1, 2007 |
EF3 |
98 km |
0 |
| May 9, 1995 |
EF3 |
92 km |
0 |
| May 9, 1995 |
EF3 |
54 km |
0 |
| Jun 19, 1993 |
EF3 |
45 km |
0 |
| Jul 13, 1992 |
EF3 |
60 km |
0 |
| Mar 13, 1990 |
EF3 |
43 km |
0 |
| May 8, 1988 |
EF3 |
35 km |
0 |
| May 8, 1988 |
EF3 |
71 km |
0 |
| Aug 5, 1979 |
EF3 |
74 km |
0 |
| Aug 15, 1978 |
EF3 |
81 km |
0 |
| Jun 20, 1974 |
EF3 |
17 km |
1 |
| Jun 14, 1974 |
EF3 |
67 km |
0 |
| May 13, 1974 |
EF3 |
40 km |
0 |
| Jul 12, 1971 |
EF3 |
95 km |
0 |
| Sep 9, 1970 |
EF3 |
62 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
19°F (-7°C) |
1.3 in |
Coldest, Driest |
| February |
23°F (-5°C) |
1.6 in |
|
| March |
36°F (2°C) |
2.4 in |
|
| April |
48°F (9°C) |
3.9 in |
|
| May |
60°F (15°C) |
4.7 in |
|
| June |
70°F (21°C) |
4.8 in |
Wettest |
| July |
73°F (23°C) |
4.2 in |
Warmest |
| August |
71°F (21°C) |
4.5 in |
|
| September |
63°F (17°C) |
3.7 in |
|
| October |
51°F (10°C) |
2.8 in |
|
| November |
37°F (3°C) |
2.3 in |
|
| December |
25°F (-4°C) |
1.8 in |
|
Charlotte has a seasonal temperature swing of 54°F / from 19°F in January to 73°F in July. Total annual precipitation is 37.9 inches, with June being the wettest month (4.8") and January the driest (1.3").
Average costs for common services in Charlotte. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132-$351) |
| Specialist Visit |
$307 ($176-$483) |
| Urgent Care Visit |
$176 ($88-$307) |
| Emergency Room Visit |
$1,932 ($702-$4,390) |
| Dental Cleaning |
$114 ($66-$176) |
| Dental Filling |
$220 ($132-$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22-$66) |
| Oil Change (Synthetic) |
$66 ($44-$105) |
| Brake Pad Replacement |
$263 ($132-$439) |
| Tire Rotation |
$35 ($18-$66) |
| New Tires (Set of 4) |
$527 ($351-$878) |
| Battery Replacement |
$176 ($88-$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53-$132) |
| Electrician (Per Hour) |
$79 ($44-$123) |
| HVAC Repair |
$351 ($132-$702) |
| HVAC System Install |
$6,146 ($3,512-$10,536) |
| Roof Repair |
$878 ($351-$1,756) |
| Roof Replacement |
$7,902 ($4,829-$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439-$3,073) |
| Divorce (Contested) |
$13,170 ($4,390-$26,340) |
| DUI Defense |
$4,390 ($1,756-$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702-$2,634) |
| Will Preparation |
$439 ($176-$878) |
| Trust Preparation |
$2,195 ($878-$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13-$40) |
| Women's Haircut |
$48 ($26-$88) |
| Hair Coloring (Full) |
$132 ($66-$220) |
| Manicure |
$22 ($13-$40) |
| Pedicure |
$35 ($22-$57) |
| Massage (1 Hour) |
$70 ($44-$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63-$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20-$4.39) |
| Loaf of Bread |
$3.34 ($2.20-$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63-$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51-$6.59) |
| Rice (per lb) |
$0.88 ($0.53-$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70-$220) |
| Natural Gas (Monthly) |
$61 ($26-$132) |
| Water/Sewer (Monthly) |
$61 ($35-$105) |
| Internet (Monthly) |
$61 ($35-$88) |
| Cell Phone Plan (Monthly) |
$57 ($26-$88) |
| Cable TV (Monthly) |
$75 ($44-$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66-$439) |
| Car Insurance (Annual) |
$1,756 ($1,054-$3,073) |
| Bus Pass (Monthly) |
$61 ($26-$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02-$22) |
| Car Registration (Annual) |
$88 ($26-$220) |
| Driver's License Renewal |
$26 ($13-$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527-$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439-$1,756) |
| After-School Care (Monthly) |
$351 ($176-$615) |
| Tutoring (Per Hour) |
$44 ($22-$88) |
| SAT/ACT Prep Course |
$878 ($351-$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390-$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26-$88) |
| Dog Vaccination (Annual) |
$88 ($44-$176) |
| Dog Grooming |
$53 ($26-$88) |
| Pet Boarding (Per Night) |
$35 ($18-$66) |
| Dog Spay/Neuter |
$263 ($132-$439) |
| Cat Spay/Neuter |
$176 ($88-$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $685 |
| Toddler | $590 |
| Preschool | $590 |
| Family Childcare (monthly) |
| Infant | $462 |
| Toddler | $455 |
| Preschool | $455 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Charlotte
What is the population of Charlotte?
Charlotte has a population of 431 residents and is located in Iowa. The population density is 756 people per square mile, spread across 0.6 square miles. The median age of residents is 36.8 years. The population is 52.7% female and 47.3% male.
Is Charlotte expensive to live in?
Charlotte is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $69,792, 7% below the national average of $75,149. The median home value is $95,500 (66% below the U.S. median). Renters pay a median of $704 per month, below the national average of $1,163. The home price-to-income ratio is 1.4x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Charlotte?
Charlotte has a four-season climate with an average annual temperature of 48°F (9°C). Winter temperatures average 19°F in January, while summers reach an average of 73°F in July. Annual rainfall totals 37.9 inches, with 28.7 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 46.
How is the job market in Charlotte?
The job market in Charlotte is very strong, with unemployment at just 2.8% / well below the national rate of 3.6%. The average weekly wage is $1,014. There are 1,498 business establishments in the area, including 117 restaurants and food service locations. The average commute time is 31 minutes, and 6.6% of workers work from home.
How much does housing cost in Charlotte?
The median home value in Charlotte is $95,500. Zillow estimates the typical home value at $273,569. For renters, the median monthly rent is $704. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 78.1%. The average annual property tax is $4,438.
How are the schools in Charlotte?
Schools in Charlotte score 5.8 out of 10 on standardized testing, near the national average. 14.2% of adults in Charlotte hold a bachelor's degree or higher, below the national average of 33.7%. 95.2% have completed high school. 6.0% hold a graduate or professional degree.
How healthy is Charlotte?
The obesity rate in Charlotte is 39.3% (above the national rate of 32.1%). 16.8% of adults are smokers. 25.9% are physically inactive. 21.8% of residents report depression. 11.8% lack health insurance (above the national rate). 76.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:2,112.
What is transportation like in Charlotte?
The average commute in Charlotte is 31 minutes, longer than the national average of 28 minutes. 90.6% of workers drive alone to work, and 6.6% work from home.
What are the demographics of Charlotte?
The racial and ethnic makeup of Charlotte is 83.1% White, 13.9% Hispanic or Latino. 90.5% of residents speak only English at home, while 5.7% speak Spanish. 11.5% of the population are military veterans. 15.8% of residents have a disability. 88.2% have health insurance coverage.