Median Income
$63,385
16% lower than US avg
Home Value
$140,500
50% lower than US avg
Violent Crime
423/100K
11% higher than US avg
Bachelor's+
17.4%
48% lower than US avg
Median Rent
$779
33% lower than US avg
Obesity Rate
40.3%
26% higher than US avg
Unemployment
5.2%
44% higher than US avg
Poverty Rate
7.1%
43% lower than US avg
How Charlotte Compares to the U.S. Average (100% = U.S. avg)
People
Population9,269
Median Age35.9 yrs
Density1,437/mi²
Male / Female50% / 50%
Largest GroupWhite 90%
Veterans5.3%
Economy
B+
Median Income$63,385
Per Capita$28,059
Unemployment5.2%
Poverty7.1%
County GDP$7,448M
Commute20 min
Housing
A+
Home Value$140,500
Rent$779
Ownership66.8%
Zillow$243,128
Housing Units3,728
Rent Burden26.6%
Crime
F
Violent423/100K
Property1,918/100K
Health
Obesity40.3%
Uninsured4.0%
Smoking16.7%
Depression29.9%
Heart Disease5.8%
Climate
Avg Temp47°F (9°C)
Rain35.8 in/yr
Elevation912 ft (278 m)
Education
C
Bachelor's+17.4%
High School+90.6%
Graduate+4.2%
School Score5.24
Community
2024 VoteR 51% / D 48%
Commute20 min
Broadband89.2%
EV Stations7
Libraries10
Is Charlotte a Good Place to Live?
Based on current data, Charlotte receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include affordable housing, a low poverty rate, high health insurance coverage. Areas to be aware of include above-average unemployment, 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 $63,385, 16% below the national average of $75,149. The unemployment rate of 5.2% is somewhat elevated compared to the national rate of 3.6%. Only 7.1% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 20 minutes.
Cost of Living & Housing
The median home value in Charlotte is $140,500, 50% below the national median / offering relatively affordable homeownership. Renters pay a median of $779 per month, below the national average / a plus for affordability. At just 2.2x median income, home prices are very affordable relative to local earnings.
Safety & Crime
The violent crime rate of 423 per 100,000 is above the national average of 380 / something for prospective residents to consider. Property crime occurs at a rate of 1,918 per 100,000, near the national average.
Education
17.4% of residents hold a bachelor's degree, below the national average of 33.7%. 90.6% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
Charlotte experiences four distinct seasons with an average temperature of 47°F. Winters average 22°F in January while summers reach 71°F in July. Annual precipitation totals 35.8 inches, including 38.1 inches of snow.
Charlotte has a population of 9,269 with a density of 1,437 people per square mile, spread across 6.5 square miles. The median age is 35.9 years, 8% younger than the national median of 38.9. The gender split is 50.1% female and 49.9% male. The city is predominantly White (90.2%), with 4.9% Hispanic, 2% Black. English is the primary language spoken at home by 98.6% of residents. 5.3% of the population are veterans. 17.5% of residents have a disability (above the 13.0% national average). 96.0% have health insurance coverage.
Population
9,269
Total Population
2023 Census
35.9yrs
Median Age
8% below US avg
Race & Ethnicity
Charlotte vs U.S. Average
Language Spoken at Home
English Only
98.6%
26% above US avg
Spanish
2.3%
83% below US avg
Social Characteristics
Charlotte vs U.S. Average
The median household income in Charlotte is $63,385, which is 16% below the national average of $75,149. Per capita income is $28,059 (below the $39,052 national figure). The average weekly wage is $1,170, 18% lower than the U.S. average. The unemployment rate is 5.2% (above the 3.6% US average). 7.1% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 2,107 business establishments, including 224 restaurants. The cost of living index is 96.2, roughly in line with the national average. Workers commute an average of 20 minutes (shorter than the 28-minute US average). 11.1% of workers work from home (below the 15.2% national rate).
Income: Charlotte vs U.S.
Income
| Median HH Income | $63,385 |
| 16% below US avg |
| Per Capita Income | $28,059 |
| Avg Weekly Wage | $1,170 |
| IRS Avg AGI | $68,805 |
| Gini Index | 0.399 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.2% |
| 44% above US avg |
| Poverty Rate | 7.1% |
| 43% below US avg |
| Establishments (County) | 2,107 |
| County GDP | $7,448M |
Business (County)
| Restaurants | 224 |
| Healthcare | 234 |
| Retail | 311 |
| Manufacturing | 104 |
Tax & Cost of Living
| Property Tax (IRS) | $5,244 |
| 50% above US avg |
| Cost of Living | 96.20 (100=avg) |
| Effective Tax Rate | 3.73% |
Commute & Transportation
| Commute Time | 20.0 min |
| Drive Alone | 72.9% |
| Public Transit | 0.6% |
| Work from Home | 11.1% |
The median home value in Charlotte is $140,500, 50% below the national median of $281,900. Zillow estimates the typical home value at $243,128, higher than the Census estimate. According to Redfin, the median sale price is $215,000 with homes selling in an average of 70 days. Homes sell for 99.7% of their list price. Monthly rent averages $779 (33% below the national average of $1,163). Fair market rent ranges from $891 for a one-bedroom to $1,113 for a two-bedroom apartment. 66.8% of housing units are owner-occupied. There are 3,728 total housing units in the city. The median year a home was built is 1962. The average annual property tax is $5,244 (higher than the $3,500 national average). 26.6% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.2x, well within the affordable range.
Home Values
| Census Median | $140,500 |
| 50% below US avg |
| Zillow ZHVI | $243,128 |
| Redfin Median Sale | $215,000 |
| Median List Price | $199,900 |
Real Estate Market (Redfin)
| Median Sale Price | $215,000 |
| Median List Price | $199,900 |
| $/Sq Ft | $135 |
| Homes Sold | 7 |
| Days on Market | 70 days |
| Sale-to-List Ratio | 99.7% |
| Price Drops | 6.7% |
| Inventory | 15 |
Rental Costs
| Census Median Rent | $779 |
| 33% below US avg |
| Rent Burden | 26.6% |
HUD Fair Market Rent
| Studio | $807 |
| 1 Bedroom | $891 |
| 2 Bedrooms | $1,113 |
| 3 Bedrooms | $1,419 |
| 4 Bedrooms | $1,588 |
Ownership & Property
| Homeownership | 66.8% |
| Owner-Occupied | 66.8% |
| Renter-Occupied | 33.2% |
| Housing Units | 3,728 |
| Median Year Built | 1962 |
Property Tax
| Avg Tax (IRS) | $5,244 |
| 50% above US avg |
| Effective Rate | 3.73% |
In Charlotte, 40.3% of adults are obese, above the national rate of 32.1%. 9.8% have diabetes. Heart disease affects 5.8% of residents. 31.9% have high blood pressure. 16.7% are current smokers. 18.7% report binge drinking. 25.6% are physically inactive. 29.9% report depression (above the 20.0% national average). 20.6% experience frequent mental distress. 4.0% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:3,026. The dentist ratio is 1:1,434. 75.0% of residents have access to exercise opportunities. The food environment index is 7.8 out of 10.
Health Metrics: Charlotte vs U.S. Average (%)
Chronic Conditions
| Obesity | 40.3% |
| 26% above US avg |
| Diabetes | 9.8% |
| Heart Disease | 5.8% |
| High Blood Pressure | 31.9% |
| Asthma | 12.1% |
| COPD | 7.6% |
| Cancer | 7.7% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 16.7% |
| 19% above US avg |
| Binge Drinking | 18.7% |
| Physical Inactivity | 25.6% |
| Depression | 29.9% |
| Mental Distress | 20.6% |
| Physical Distress | 14.1% |
| Short Sleep | 34.3% |
Healthcare Access
| Insurance Rate | 96.0% |
| Uninsured | 4.0% |
| 53% below US avg |
| Primary Care | 1:3,026 |
| Dentists | 1:1,434 |
| Mental Health | 1:461 |
| Checkup Rate | 77.4% |
| Dental Visits | 66.5% |
| Premature Death | 7,898/100K |
Food & Exercise
| Food Environment | 7.8/10 |
| Exercise Access | 75.0% |
| Healthcare Facilities | 234 |
Charlotte has a violent crime rate of 423 per 100,000 residents, 11% above the national average of 380. Property crime stands at 1,918 per 100,000, 2% below the U.S. average. The county recorded 11 fatal traffic crashes. Overall, Charlotte receives a safety grade of F.
Crime Rates: Charlotte vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 422.7/100K |
| 11% above US avg |
| |
Property Crime
| Total Property | 1,918.5/100K |
| 2% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 11 |
| Traffic Accidents | 286 |
| Avg Accident Severity | 2.9 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Charlotte experiences four distinct seasons with an average annual temperature of 47°F (9°C). Winters average 22°F in January while summers reach 71°F in July. Annual precipitation totals 35.8 inches. The area receives 38.1 inches of snow annually, a moderate snowfall amount. The city sits at an elevation of 912 feet.
Temperature
22°F Jan (-5°C)
71°F Jul (21°C)
| Annual Average | 47.3°F |
| 12% below US avg |
| January Average | 22°F (-5°C) |
| July Average | 71°F (21°C) |
Geography
| Elevation | 912 ft (278 m) |
| Area | 6.5 sq mi (16.8 km²) |
| Population Density | 1,437/sq mi |
| Coordinates | 42.5662°N, 84.8318°W |
| Timezone | America/Detroit |
| County | Eaton County County |
| Nearest Airport | Capital Region International (LAN)
19 miles away |
Precipitation & Snow
Annual Rainfall
35.8"
6% below US avg
Wettest Month (May)
4.03"
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 67.6 / 100 |
| Social Vulnerability | 25.2 / 100 |
| Community Resilience | 88.9 / 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 |
No Rating |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
4 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M3.3 on Jun 30, 2015.
| May 2, 2015 |
5 km S of Galesburg, Michigan |
M4.2 |
61 km |
| Sep 2, 1994 |
5 km SSW of DeWitt, Michigan |
M3.5 |
32 km |
| Jun 30, 2015 |
5 km NNE of Burlington, Michigan |
M3.3 |
50 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
123 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
420 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 181 fatalities, 1,873 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 8, 1953 |
EF5 |
100 km |
116 |
| Apr 2, 1977 |
EF4 |
67 km |
0 |
| Apr 2, 1977 |
EF4 |
22 km |
1 |
| Apr 21, 1967 |
EF4 |
41 km |
0 |
| Apr 11, 1965 |
EF4 |
35 km |
1 |
| Apr 11, 1965 |
EF4 |
86 km |
21 |
| Apr 11, 1965 |
EF4 |
97 km |
23 |
| Jul 4, 1957 |
EF4 |
90 km |
0 |
| Mar 15, 2012 |
EF3 |
74 km |
0 |
| Aug 24, 2007 |
EF3 |
3 km |
0 |
| Mar 27, 1991 |
EF3 |
21 km |
0 |
| Mar 27, 1991 |
EF3 |
96 km |
0 |
| May 15, 1986 |
EF3 |
72 km |
0 |
| Jun 15, 1982 |
EF3 |
45 km |
1 |
| May 13, 1980 |
EF3 |
79 km |
5 |
| May 11, 1974 |
EF3 |
70 km |
1 |
| Apr 21, 1967 |
EF3 |
85 km |
0 |
| Apr 11, 1965 |
EF3 |
67 km |
0 |
| Apr 11, 1965 |
EF3 |
39 km |
0 |
| Aug 22, 1964 |
EF3 |
83 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: ALLEGAN6 (1,077 ac, 1988).
| Year |
Name |
Acres |
Distance |
| 1988 |
ALLEGAN6 |
1,077 |
99 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
22°F (-5°C) |
2.3 in |
Coldest |
| February |
25°F (-4°C) |
1.7 in |
Driest |
| March |
34°F (1°C) |
2.3 in |
|
| April |
46°F (8°C) |
3.4 in |
|
| May |
57°F (14°C) |
4.0 in |
Wettest |
| June |
67°F (19°C) |
3.8 in |
|
| July |
71°F (21°C) |
3.0 in |
Warmest |
| August |
69°F (20°C) |
3.6 in |
|
| September |
62°F (16°C) |
3.2 in |
|
| October |
50°F (10°C) |
3.6 in |
|
| November |
38°F (3°C) |
2.7 in |
|
| December |
29°F (-2°C) |
2.2 in |
|
Charlotte has a seasonal temperature swing of 48°F / from 22°F in January to 71°F in July. Total annual precipitation is 35.8 inches, with May being the wettest month (4.0") and February the driest (1.7").
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) |
$241 ($144-$385) |
| Specialist Visit |
$337 ($192-$529) |
| Urgent Care Visit |
$192 ($96-$337) |
| Emergency Room Visit |
$2,116 ($770-$4,810) |
| Dental Cleaning |
$125 ($72-$192) |
| Dental Filling |
$241 ($144-$385) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$43 ($24-$72) |
| Oil Change (Synthetic) |
$72 ($48-$115) |
| Brake Pad Replacement |
$289 ($144-$481) |
| Tire Rotation |
$38 ($19-$72) |
| New Tires (Set of 4) |
$577 ($385-$962) |
| Battery Replacement |
$192 ($96-$337) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$96 ($58-$144) |
| Electrician (Per Hour) |
$87 ($48-$135) |
| HVAC Repair |
$385 ($144-$770) |
| HVAC System Install |
$6,734 ($3,848-$11,544) |
| Roof Repair |
$962 ($385-$1,924) |
| Roof Replacement |
$8,658 ($5,291-$14,430) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,443 ($481-$3,367) |
| Divorce (Contested) |
$14,430 ($4,810-$28,860) |
| DUI Defense |
$4,810 ($1,924-$9,620) |
| Bankruptcy (Chapter 7) |
$1,443 ($770-$2,886) |
| Will Preparation |
$481 ($192-$962) |
| Trust Preparation |
$2,405 ($962-$4,810) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($14-$43) |
| Women's Haircut |
$53 ($29-$96) |
| Hair Coloring (Full) |
$144 ($72-$241) |
| Manicure |
$24 ($14-$43) |
| Pedicure |
$38 ($24-$63) |
| Massage (1 Hour) |
$77 ($48-$125) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.94 ($2.89-$5.29) |
| Dozen Eggs (per dozen) |
$3.37 ($2.41-$4.81) |
| Loaf of Bread |
$3.66 ($2.41-$5.29) |
| Chicken Breast (per lb) |
$4.33 ($2.89-$6.25) |
| Ground Beef (per lb) |
$5.29 ($3.85-$7.22) |
| Rice (per lb) |
$0.96 ($0.58-$1.73) |
View all 20 services
Utilities
| Electricity (Monthly) |
$135 ($77-$241) |
| Natural Gas (Monthly) |
$67 ($29-$144) |
| Water/Sewer (Monthly) |
$67 ($38-$115) |
| Internet (Monthly) |
$67 ($38-$96) |
| Cell Phone Plan (Monthly) |
$63 ($29-$96) |
| Cable TV (Monthly) |
$82 ($48-$144) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$192 ($72-$481) |
| Car Insurance (Annual) |
$1,924 ($1,154-$3,367) |
| Bus Pass (Monthly) |
$67 ($29-$125) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.70-$24) |
| Car Registration (Annual) |
$96 ($29-$241) |
| Driver's License Renewal |
$29 ($14-$72) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,154 ($577-$2,405) |
| Daycare (Toddler, Monthly) |
$962 ($481-$1,924) |
| After-School Care (Monthly) |
$385 ($192-$673) |
| Tutoring (Per Hour) |
$48 ($24-$96) |
| SAT/ACT Prep Course |
$962 ($385-$2,405) |
| Private School (K-12, Annual) |
$12,025 ($4,810-$28,860) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29-$96) |
| Dog Vaccination (Annual) |
$96 ($48-$192) |
| Dog Grooming |
$58 ($29-$96) |
| Pet Boarding (Per Night) |
$38 ($19-$72) |
| Dog Spay/Neuter |
$289 ($144-$481) |
| Cat Spay/Neuter |
$192 ($96-$385) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $674 |
| Toddler | $674 |
| Preschool | $627 |
| Family Childcare (monthly) |
| Infant | $799 |
| Toddler | $819 |
| Preschool | $819 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Charlotte
What is the population of Charlotte?
Charlotte has a population of 9,269 residents and is located in Michigan. The population density is 1,437 people per square mile, spread across 6.5 square miles. The median age of residents is 35.9 years, which is younger than the national median of 38.9 years. The population is 50.1% female and 49.9% male.
Is Charlotte expensive to live in?
Charlotte has a cost of living roughly in line with the national average, with an index of 96.2 (baseline: 100). The median household income is $63,385, 16% below the national average of $75,149. The median home value is $140,500 (50% below the U.S. median). Renters pay a median of $779 per month, below the national average of $1,163. The home price-to-income ratio is 2.2x, indicating housing is reasonably affordable relative to local income levels.
Is Charlotte safe?
The violent crime rate in Charlotte is 423 per 100,000 residents, above the national average of 380. Prospective residents should research specific neighborhoods, as crime rates can vary significantly within the city. Property crime occurs at a rate of 1,918 per 100,000 (below the national average). Overall, Charlotte receives a safety grade of F based on combined crime data.
What is the weather like in Charlotte?
Charlotte has a four-season climate with an average annual temperature of 47°F (9°C). Winter temperatures average 22°F in January, while summers reach an average of 71°F in July. Annual rainfall totals 35.8 inches, with 38.1 inches of snow.
How is the job market in Charlotte?
The unemployment rate in Charlotte is 5.2%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $1,170. There are 2,107 business establishments in the area, including 224 restaurants and food service locations. The average commute time is 20 minutes, and 11.1% of workers work from home.
How much does housing cost in Charlotte?
The median home value in Charlotte is $140,500. Zillow estimates the typical home value at $243,128. According to Redfin, the median sale price is $215,000, with homes typically selling within 70 days. For renters, the median monthly rent is $779. Fair market rent is $891 for a 1-bedroom and $1,113 for a 2-bedroom apartment. The homeownership rate is 66.8%. The average annual property tax is $5,244.
How are the schools in Charlotte?
Schools in Charlotte score 5.2 out of 10 on standardized testing, near the national average. 17.4% of adults in Charlotte hold a bachelor's degree or higher, below the national average of 33.7%. 90.6% have completed high school. 4.2% hold a graduate or professional degree.
How healthy is Charlotte?
The obesity rate in Charlotte is 40.3% (above the national rate of 32.1%). 16.7% of adults are smokers. 25.6% are physically inactive. 29.9% of residents report depression. 4.0% lack health insurance (below the national rate). 75.0% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,026.
What is transportation like in Charlotte?
The average commute in Charlotte is 20 minutes, shorter than the national average of 28 minutes. 72.9% of workers drive alone to work, and 11.1% work from home.
What are the demographics of Charlotte?
The racial and ethnic makeup of Charlotte is 90.2% White, 2% Black or African American, 4.9% Hispanic or Latino. 98.6% of residents speak only English at home. 5.3% of the population are military veterans. 17.5% of residents have a disability. 96.0% have health insurance coverage.