Median Income
$57,656
23% lower than US avg
Home Value
$232,700
17% lower than US avg
Bachelor's+
15.4%
54% lower than US avg
Median Rent
$852
27% lower than US avg
Obesity Rate
36.7%
14% higher than US avg
Unemployment
5.1%
42% higher than US avg
Poverty Rate
8.4%
32% lower than US avg
How Charlotte Compares to the U.S. Average (100% = U.S. avg)
People
Population1,864
Median Age37.5 yrs
Density459/mi²
Male / Female54% / 46%
Largest GroupWhite 88%
Veterans6.4%
Economy
B+
Median Income$57,656
Per Capita$27,954
Unemployment5.1%
Poverty8.4%
County GDP$2,981M
Commute34 min
Housing
A
Home Value$232,700
Rent$852
Ownership81.0%
Zillow$339,555
Housing Units699
Rent Burden28.5%
Health
Obesity36.7%
Uninsured9.9%
Smoking18.1%
Depression28.9%
Heart Disease5.7%
Climate
Avg Temp57°F (14°C)
Rain54.9 in/yr
Elevation648 ft (198 m)
Education
C
Bachelor's+15.4%
High School+85.5%
Graduate+4.4%
School Score5.84
Community
2024 VoteR 75% / D 23%
Commute34 min
Broadband82.2%
EV Stations8
Libraries1
Is Charlotte a Good Place to Live?
Based on current data, Charlotte receives an overall livability score of 3.4 out of 5.0, earning a grade of B. Key strengths include affordable housing, a low poverty rate. Areas to be aware of include above-average unemployment, below-average incomes. 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 $57,656, 23% below the national average of $75,149. The unemployment rate of 5.1% is somewhat elevated compared to the national rate of 3.6%. 8.4% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 34 minutes.
Cost of Living & Housing
The median home value in Charlotte is $232,700, 17% below the national median / offering relatively affordable homeownership. Renters pay a median of $852 per month, below the national average / a plus for affordability. A price-to-income ratio of 4x indicates a reasonably affordable housing market.
Education
15.4% of residents hold a bachelor's degree, below the national average of 33.7%. 85.5% have completed high school. Area schools have an average test score of 5.8/10.
Climate & Weather
Charlotte enjoys a moderate climate with an average annual temperature of 57°F. Winters average 36°F in January while summers reach 76°F in July. Annual precipitation totals 54.9 inches.
Charlotte has a population of 1,864 with a density of 459 people per square mile, spread across 1.7 square miles. The median age is 37.5 years, 4% younger than the national median of 38.9. The gender split is 45.6% female and 54.4% male. The city is predominantly White (88.1%), with 3.8% Hispanic, 5.1% Black. English is the primary language spoken at home by 98% of residents. 6.4% of the population are veterans. 25.8% of residents have a disability (above the 13.0% national average). 90.1% have health insurance coverage.
Population
1,864
Total Population
2023 Census
37.5yrs
Median Age
4% below US avg
Race & Ethnicity
Charlotte vs U.S. Average
Language Spoken at Home
English Only
98.0%
25% above US avg
Spanish
2.4%
82% below US avg
Social Characteristics
Charlotte vs U.S. Average
The median household income in Charlotte is $57,656, which is 23% below the national average of $75,149. Per capita income is $27,954 (below the $39,052 national figure). The average weekly wage is $995, 31% lower than the U.S. average. The unemployment rate is 5.1% (above the 3.6% US average). 8.4% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,422 business establishments, including 126 restaurants. The cost of living index is 91.9, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 34 minutes (longer than the 28-minute US average). 7.2% of workers work from home (below the 15.2% national rate).
Income: Charlotte vs U.S.
Income
| Median HH Income | $57,656 |
| 23% below US avg |
| Per Capita Income | $27,954 |
| Avg Weekly Wage | $995 |
| IRS Avg AGI | $70,790 |
| Gini Index | 0.408 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.1% |
| 42% above US avg |
| Poverty Rate | 8.4% |
| 32% below US avg |
| Establishments (County) | 1,422 |
| County GDP | $2,981M |
Business (County)
| Restaurants | 126 |
| Healthcare | 118 |
| Retail | 198 |
| Manufacturing | 47 |
Tax & Cost of Living
| Property Tax (IRS) | $3,083 |
| 12% below US avg |
| Cost of Living | 91.90 (100=avg) |
| Effective Tax Rate | 1.32% |
Commute & Transportation
| Commute Time | 33.8 min |
| Drive Alone | 73.6% |
| Public Transit | 0.0% |
| Work from Home | 7.2% |
The median home value in Charlotte is $232,700, 17% below the national median of $281,900. Zillow estimates the typical home value at $339,555, higher than the Census estimate. According to Redfin, the median sale price is $492,950 with homes selling in an average of 197 days. Homes sell for 100.1% of their list price, indicating a competitive market where bidding wars are common. Monthly rent averages $852 (27% below the national average of $1,163). Fair market rent ranges from $924 for a one-bedroom to $1,118 for a two-bedroom apartment. 81.0% of housing units are owner-occupied (above the 65.4% national rate). There are 699 total housing units in the city. The median year a home was built is 1980. The average annual property tax is $3,083. 28.5% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 4x.
Home Values
| Census Median | $232,700 |
| 17% below US avg |
| Zillow ZHVI | $339,555 |
| Redfin Median Sale | $492,950 |
| Median List Price | $389,900 |
Real Estate Market (Redfin)
| Median Sale Price | $492,950 |
| Median List Price | $389,900 |
| $/Sq Ft | $227 |
| Homes Sold | 2 |
| Days on Market | 197 days |
| Sale-to-List Ratio | 100.1% |
| Price Drops | 16.7% |
| Inventory | 12 |
Rental Costs
| Census Median Rent | $852 |
| 27% below US avg |
| Rent Burden | 28.5% |
HUD Fair Market Rent
| Studio | $882 |
| 1 Bedroom | $924 |
| 2 Bedrooms | $1,118 |
| 3 Bedrooms | $1,445 |
| 4 Bedrooms | $1,644 |
Ownership & Property
| Homeownership | 81.0% |
| Owner-Occupied | 81.0% |
| Renter-Occupied | 19.0% |
| Housing Units | 699 |
| Median Year Built | 1980 |
Property Tax
| Avg Tax (IRS) | $3,083 |
| 12% below US avg |
| Effective Rate | 1.32% |
In Charlotte, 36.7% of adults are obese, above the national rate of 32.1%. 10.7% have diabetes. Heart disease affects 5.7% of residents. 34.1% have high blood pressure. 18.1% are current smokers (above the 14.0% national rate). 17.1% report binge drinking. 25.7% are physically inactive. 28.9% report depression (above the 20.0% national average). 20.3% experience frequent mental distress. 9.9% of residents lack health insurance. The primary care physician ratio is 1:3,252. The dentist ratio is 1:1,507. 52.5% of residents have access to exercise opportunities. The food environment index is 8.1 out of 10.
Health Metrics: Charlotte vs U.S. Average (%)
Chronic Conditions
| Obesity | 36.7% |
| 14% above US avg |
| Diabetes | 10.7% |
| Heart Disease | 5.7% |
| High Blood Pressure | 34.1% |
| Asthma | 10.6% |
| COPD | 7.4% |
| Cancer | 7.2% |
| Stroke | 3.0% |
Behaviors & Mental Health
| Smoking | 18.1% |
| 29% above US avg |
| Binge Drinking | 17.1% |
| Physical Inactivity | 25.7% |
| Depression | 28.9% |
| Mental Distress | 20.3% |
| Physical Distress | 14.0% |
| Short Sleep | 39.0% |
Healthcare Access
| Insurance Rate | 90.1% |
| Uninsured | 9.9% |
| 15% above US avg |
| Primary Care | 1:3,252 |
| Dentists | 1:1,507 |
| Mental Health | 1:822 |
| Checkup Rate | 73.9% |
| Dental Visits | 60.6% |
| Premature Death | 11,706/100K |
Food & Exercise
| Food Environment | 8.1/10 |
| Exercise Access | 52.5% |
| Healthcare Facilities | 118 |
Charlotte enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winters average 36°F in January while summers reach 76°F in July. Annual precipitation totals 54.9 inches (wetter than the 38-inch national average). The area receives 2.5 inches of snow annually. The city sits at an elevation of 648 feet.
Temperature
36°F Jan (2°C)
76°F Jul (24°C)
| Annual Average | 56.8°F |
| 5% above US avg |
| January Average | 36°F (2°C) |
| July Average | 76°F (24°C) |
Geography
| Elevation | 648 ft (198 m) |
| Area | 1.7 sq mi (4.5 km²) |
| Population Density | 459/sq mi |
| Coordinates | 36.1861°N, 87.3389°W |
| Timezone | America/Chicago |
| County | Dickson County County |
| Nearest Airport | Nashville International (BNA)
37 miles away |
Precipitation & Snow
Annual Rainfall
54.9"
44% above US avg
Wettest Month (May)
5.53"
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 53.5 / 100 |
| Social Vulnerability | 29.1 / 100 |
| Community Resilience | 34.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Very Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Relatively Low |
| Winter Weather |
Very Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Moderate |
| Drought |
Very Low |
| Cold Wave |
Relatively Moderate |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
24 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M2.9. Most recent: M2.5 on Jun 3, 2023.
| Jan 2, 2000 |
4 km SW of Lester, Alabama |
M2.9 |
137 km |
| Nov 28, 1998 |
6 km SW of Bremen, Kentucky |
M2.9 |
126 km |
| Jan 2, 2000 |
4 km SW of Lester, Alabama |
M2.9 |
137 km |
| Sep 20, 1990 |
6 km N of Elkmont, Alabama |
M2.8 |
137 km |
| May 13, 1999 |
11 km S of Pulaski, Tennessee |
M2.8 |
125 km |
| May 13, 1999 |
7 km NW of Elkmont, Alabama |
M2.8 |
137 km |
| Jan 28, 1991 |
9 km SW of Sacramento, Kentucky |
M2.8 |
129 km |
| Jan 16, 2019 |
5 km SSE of Wartrace, Tennessee |
M2.8 |
121 km |
| Mar 11, 2006 |
17 km E of Olivet, Tennessee |
M2.7 |
126 km |
| Aug 13, 2022 |
6 km NW of Hazel Green, Alabama |
M2.7 |
149 km |
| Feb 27, 2020 |
5 km SW of Bremen, Kentucky |
M2.6 |
127 km |
| Jan 8, 1995 |
Kentucky |
M2.6 |
119 km |
| May 27, 1998 |
1 km S of Rutherford, Tennessee |
M2.6 |
148 km |
| Jul 8, 2001 |
7 km SE of Franklin, Tennessee |
M2.6 |
59 km |
| Dec 8, 1997 |
6 km NE of Murfreesboro, Tennessee |
M2.6 |
96 km |
| Mar 22, 1990 |
9 km E of Rochester, Kentucky |
M2.6 |
123 km |
| Jun 1, 2019 |
4 km ESE of Manchester, Tennessee |
M2.6 |
142 km |
| Jun 3, 2023 |
7 km N of Nebo, Kentucky |
M2.5 |
144 km |
| May 30, 2023 |
7 km W of Calhoun, Kentucky |
M2.5 |
150 km |
| Jun 14, 1996 |
6 km E of Saltillo, Tennessee |
M2.5 |
115 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
541 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 75 fatalities, 1,280 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 10, 2009 |
EF4 |
65 km |
2 |
| May 5, 1999 |
EF4 |
86 km |
3 |
| Jan 24, 1997 |
EF4 |
88 km |
0 |
| Dec 24, 1988 |
EF4 |
49 km |
1 |
| Apr 27, 1970 |
EF4 |
35 km |
3 |
| Apr 3, 1968 |
EF4 |
99 km |
2 |
| May 8, 2024 |
EF3 |
71 km |
1 |
| Dec 9, 2023 |
EF3 |
45 km |
4 |
| Dec 11, 2021 |
EF3 |
80 km |
0 |
| Mar 3, 2020 |
EF3 |
34 km |
5 |
| Apr 26, 2011 |
EF3 |
55 km |
0 |
| Apr 11, 2008 |
EF3 |
96 km |
0 |
| Feb 5, 2008 |
EF3 |
92 km |
22 |
| Apr 7, 2006 |
EF3 |
12 km |
0 |
| Apr 7, 2006 |
EF3 |
53 km |
7 |
| Apr 2, 2006 |
EF3 |
84 km |
0 |
| May 11, 2003 |
EF3 |
88 km |
0 |
| May 11, 2003 |
EF3 |
42 km |
0 |
| May 4, 2003 |
EF3 |
26 km |
0 |
| Apr 28, 2002 |
EF3 |
100 km |
0 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
11 wildfires (100+ acres) within 100 km.
Largest: DEVILS BACKBONE RX (3,215 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
DEVILS BACKBONE RX |
3,215 |
67 km |
| 2010 |
FRANKLIN CREEK RX |
2,828 |
97 km |
| 2019 |
UNNAMED |
2,282 |
97 km |
| 2014 |
UNNAMED |
1,837 |
77 km |
| 2006 |
UNNAMED |
1,493 |
85 km |
| 2010 |
BUFFALO TRAIL (NORTH) RX |
959 |
77 km |
| 2006 |
CLAY CREEK |
896 |
76 km |
| 2007 |
ROCKHOUSE ROAD |
791 |
80 km |
| 2010 |
SCHOOLHOUSE RX |
722 |
89 km |
| 1999 |
UNNAMED |
564 |
89 km |
| 2014 |
MERIWETHER LEWIS |
513 |
75 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
36°F (2°C) |
4.1 in |
Coldest |
| February |
40°F (5°C) |
5.0 in |
|
| March |
49°F (9°C) |
5.4 in |
|
| April |
57°F (14°C) |
5.3 in |
|
| May |
65°F (18°C) |
5.5 in |
Wettest |
| June |
73°F (23°C) |
4.3 in |
|
| July |
76°F (24°C) |
4.5 in |
Warmest |
| August |
75°F (24°C) |
3.5 in |
Driest |
| September |
68°F (20°C) |
3.9 in |
|
| October |
57°F (14°C) |
4.0 in |
|
| November |
47°F (8°C) |
4.0 in |
|
| December |
39°F (4°C) |
5.5 in |
|
Charlotte has a seasonal temperature swing of 40°F / from 36°F in January to 76°F in July. Total annual precipitation is 54.9 inches, with May being the wettest month (5.5") and August the driest (3.5").
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) |
$230 ($138-$368) |
| Specialist Visit |
$322 ($184-$505) |
| Urgent Care Visit |
$184 ($92-$322) |
| Emergency Room Visit |
$2,022 ($735-$4,595) |
| Dental Cleaning |
$119 ($69-$184) |
| Dental Filling |
$230 ($138-$368) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23-$69) |
| Oil Change (Synthetic) |
$69 ($46-$110) |
| Brake Pad Replacement |
$276 ($138-$460) |
| Tire Rotation |
$37 ($18-$69) |
| New Tires (Set of 4) |
$551 ($368-$919) |
| Battery Replacement |
$184 ($92-$322) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$92 ($55-$138) |
| Electrician (Per Hour) |
$83 ($46-$129) |
| HVAC Repair |
$368 ($138-$735) |
| HVAC System Install |
$6,433 ($3,676-$11,028) |
| Roof Repair |
$919 ($368-$1,838) |
| Roof Replacement |
$8,271 ($5,055-$13,785) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,379 ($460-$3,217) |
| Divorce (Contested) |
$13,785 ($4,595-$27,570) |
| DUI Defense |
$4,595 ($1,838-$9,190) |
| Bankruptcy (Chapter 7) |
$1,379 ($735-$2,757) |
| Will Preparation |
$460 ($184-$919) |
| Trust Preparation |
$2,298 ($919-$4,595) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14-$41) |
| Women's Haircut |
$51 ($28-$92) |
| Hair Coloring (Full) |
$138 ($69-$230) |
| Manicure |
$23 ($14-$41) |
| Pedicure |
$37 ($23-$60) |
| Massage (1 Hour) |
$74 ($46-$119) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.77 ($2.76-$5.05) |
| Dozen Eggs (per dozen) |
$3.22 ($2.30-$4.60) |
| Loaf of Bread |
$3.49 ($2.30-$5.05) |
| Chicken Breast (per lb) |
$4.14 ($2.76-$5.97) |
| Ground Beef (per lb) |
$5.05 ($3.68-$6.89) |
| Rice (per lb) |
$0.92 ($0.55-$1.65) |
View all 20 services
Utilities
| Electricity (Monthly) |
$129 ($74-$230) |
| Natural Gas (Monthly) |
$64 ($28-$138) |
| Water/Sewer (Monthly) |
$64 ($37-$110) |
| Internet (Monthly) |
$64 ($37-$92) |
| Cell Phone Plan (Monthly) |
$60 ($28-$92) |
| Cable TV (Monthly) |
$78 ($46-$138) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$184 ($69-$460) |
| Car Insurance (Annual) |
$1,838 ($1,103-$3,217) |
| Bus Pass (Monthly) |
$64 ($28-$119) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.35-$23) |
| Car Registration (Annual) |
$92 ($28-$230) |
| Driver's License Renewal |
$28 ($14-$69) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,103 ($551-$2,298) |
| Daycare (Toddler, Monthly) |
$919 ($460-$1,838) |
| After-School Care (Monthly) |
$368 ($184-$643) |
| Tutoring (Per Hour) |
$46 ($23-$92) |
| SAT/ACT Prep Course |
$919 ($368-$2,298) |
| Private School (K-12, Annual) |
$11,488 ($4,595-$27,570) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$55 ($28-$92) |
| Dog Vaccination (Annual) |
$92 ($46-$184) |
| Dog Grooming |
$55 ($28-$92) |
| Pet Boarding (Per Night) |
$37 ($18-$69) |
| Dog Spay/Neuter |
$276 ($138-$460) |
| Cat Spay/Neuter |
$184 ($92-$368) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $567 |
| Toddler | $476 |
| Preschool | $476 |
| Family Childcare (monthly) |
| Infant | $393 |
| Toddler | $422 |
| Preschool | $422 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Charlotte
What is the population of Charlotte?
Charlotte has a population of 1,864 residents and is located in Tennessee. The population density is 459 people per square mile, spread across 1.7 square miles. The median age of residents is 37.5 years. The population is 45.6% female and 54.4% male.
Is Charlotte expensive to live in?
Charlotte is more affordable than the national average, with a cost of living index of 91.9 / below the baseline of 100. The median household income is $57,656, 23% below the national average of $75,149. The median home value is $232,700 (17% below the U.S. median). Renters pay a median of $852 per month, below the national average of $1,163. The home price-to-income ratio is 4x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in Charlotte?
Charlotte enjoys a temperate climate with an average annual temperature of 57°F (14°C). Winter temperatures average 36°F in January, while summers reach an average of 76°F in July. Annual rainfall totals 54.9 inches, with 2.5 inches of snow.
How is the job market in Charlotte?
The unemployment rate in Charlotte is 5.1%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $995. There are 1,422 business establishments in the area, including 126 restaurants and food service locations. The average commute time is 34 minutes, and 7.2% of workers work from home.
How much does housing cost in Charlotte?
The median home value in Charlotte is $232,700. Zillow estimates the typical home value at $339,555. According to Redfin, the median sale price is $492,950, with homes typically selling within 197 days. For renters, the median monthly rent is $852. Fair market rent is $924 for a 1-bedroom and $1,118 for a 2-bedroom apartment. The homeownership rate is 81.0%. The average annual property tax is $3,083.
How are the schools in Charlotte?
Schools in Charlotte score 5.8 out of 10 on standardized testing, near the national average. 15.4% of adults in Charlotte hold a bachelor's degree or higher, below the national average of 33.7%. 85.5% have completed high school. 4.4% hold a graduate or professional degree.
How healthy is Charlotte?
The obesity rate in Charlotte is 36.7% (above the national rate of 32.1%). 18.1% of adults are smokers. 25.7% are physically inactive. 28.9% of residents report depression. 9.9% lack health insurance. 52.5% of residents have access to exercise opportunities. The primary care physician ratio is 1:3,252.
What is transportation like in Charlotte?
The average commute in Charlotte is 34 minutes, longer than the national average of 28 minutes. 73.6% of workers drive alone to work, and 7.2% work from home.
What are the demographics of Charlotte?
The racial and ethnic makeup of Charlotte is 88.1% White, 5.1% Black or African American, 3.8% Hispanic or Latino. 98% of residents speak only English at home. 6.4% of the population are military veterans. 25.8% of residents have a disability. 90.1% have health insurance coverage.