Charlotte Harbor, FL
Population 4,456 · Florida
About Charlotte Harbor, FL
Charlotte Harbor is a small town located in Florida with a population of 4,456 residents according to the latest US Census Bureau American Community Survey data. The median household income is $41,750 per year, which is 44% below the national median of $75,149. The median age of 67 years is notably older the US median age of 38.9 years, suggesting a more established community with a higher proportion of long-term residents.
Housing Market Overview
The housing market in Charlotte Harbor features a median home value of $194,200, which is 21% below the national median of $244,900. This positions Charlotte Harbor in a moderately priced market relative to the rest of the country. Median monthly rent is $1,139, 2% below the national average of $1,163/month. Of the 2,959 total housing units, 42% are owner-occupied (887 units) and 58% are renter-occupied (1,213 units). The higher proportion of renters may reflect a transient population, younger demographics, or high housing costs relative to income.
Economy & Employment
The local economy in Charlotte Harbor shows an unemployment rate of 2.4%, which is lower than the national rate of 3.7%, indicating a relatively strong job market. The poverty rate stands at 17.4%, above the national average of 12.4%. Workers in Charlotte Harbor have an average one-way commute time of 18 minutes, one of the shorter commutes in the region.
Education & Demographics
25.5% of Charlotte Harbor residents aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. This is in line with national trends in educational attainment. The community's demographic composition includes 0.4% White, 1.8% Hispanic or Latino, 1.3% Black or African American, and 3.3% Asian residents, with 8.3% of the population being foreign-born.
Cost of Living in Charlotte Harbor, FL
Compared to national averages, Charlotte Harbor has a median household income of $41,750 (44% below the national median of $75,149). Home values average $194,200, which is 21% below the national median. Monthly rent at $1,139 is 2% below the US average of $1,163. Within Florida, Charlotte Harbor's income is 45% below the state average of $75,893, and home values are 45% below the state median of $353,675.
Why Live in Charlotte Harbor, FL?
Charlotte Harbor offers affordable housing with a median home value of $194,200, below the US average of $244,900, and rent that’s lower than the national average at $1,139/month, and a strong job market with an unemployment rate of just 2.4%. Additionally, the city features short commute times averaging just 18 minutes.
Potential considerations include median household income ($41,750) that falls below the national average. However, Charlotte Harbor’s smaller community size offers a quieter lifestyle and tight-knit neighborhoods.
Charlotte Harbor has a population of 4,456 with a median age of 67 years. Compare Charlotte Harbor with other cities to see how it stacks up, or explore all cities in Florida.
Similar Cities Near Charlotte Harbor
Cities in Florida with a similar population size.
| City | Population | Median Income | Home Value | |
|---|---|---|---|---|
| Wahneta | 4,464 | $51,795 | $70,900 | Compare |
| Ridge Manor | 4,478 | $55,096 | $223,000 | Compare |
| Samoset | 4,433 | $51,780 | $171,400 | Compare |
| Plantation | 4,483 | $77,873 | $383,000 | Compare |
| Jasper | 4,485 | $41,759 | $100,100 | Compare |
| Taylor Creek | 4,493 | $37,281 | $108,200 | Compare |
| Florida Gulf Coast University | 4,416 | $25,395 | $0 | Compare |
| Lake Panasoffkee | 4,525 | $46,002 | $133,300 | Compare |
Demographics
Racial & Ethnic Composition
Economy & Education
Housing
Other Cities in Florida
Data source: US Census Bureau ACS 5-Year Estimates. Last updated: 2026-04-05.
Compare Charlotte Harbor With Other Cities
Frequently Asked Questions about Charlotte Harbor
What is the population of Charlotte Harbor, FL?
The population of Charlotte Harbor, FL is 4,456 according to the latest US Census Bureau American Community Survey estimates. This makes it a small town in Florida.
What is the median household income in Charlotte Harbor?
The median household income in Charlotte Harbor, FL is $41,750 per year, which is 44% below the national median of $75,149.
What is the median home value in Charlotte Harbor?
The median home value in Charlotte Harbor, FL is $194,200, which is 21% below the national median of $244,900. A significant portion of residents rent their homes.
What is the average rent in Charlotte Harbor?
The median monthly rent in Charlotte Harbor, FL is $1,139, which is 2% below the national average of $1,163/month.
What is the unemployment rate in Charlotte Harbor?
The unemployment rate in Charlotte Harbor, FL is 2.4%, compared to the national average of 3.7%. This lower-than-average rate suggests a relatively healthy local job market.
Is Charlotte Harbor, FL a good place to live?
Charlotte Harbor offers a moderate cost of living, affordable housing, and a strong job market. With a population of 4,456 and a median age of 67, the city appeals to established professionals and retirees.
How educated is Charlotte Harbor, FL?
25.5% of residents in Charlotte Harbor aged 25 and older hold a bachelor's degree or higher, compared to the national average of 33.7%. The educational profile reflects the area's industry mix and employment landscape.
What is the cost of living in Charlotte Harbor?
Key cost-of-living indicators for Charlotte Harbor, FL: median home value is $194,200 (21% below national), median rent is $1,139/month, and median household income is $41,750. The home-value-to-income ratio is 4.7x, a moderate figure by national standards.
What is the poverty rate in Charlotte Harbor?
The poverty rate in Charlotte Harbor, FL is 17.4%, compared to the national average of 12.4%. Residents and prospective movers should be aware of the economic challenges facing parts of this community.
How diverse is Charlotte Harbor, FL?
Charlotte Harbor's population is 0.4% White, 1.8% Hispanic or Latino, 1.3% Black or African American, 3.3% Asian, and 5.7% two or more races. 8.3% of residents are foreign-born.