Is Charlotte Harbor, FL a Good Place to Live?
Charlotte Harbor is a small town of 4,516 in Florida, with a median household income of $38,951 and a 2.6% unemployment rate. Its cost of living index is 99 (US average = 100), which is 1% below the national average.
Strengths: Charlotte Harbor stands out for below-average home prices, short average commutes.
Trade-offs: No major red flags stand out in the available data. Whether Charlotte Harbor is right for you depends on your priorities — the full breakdown is below.
All Charlotte Harbor city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 99.1Charlotte Harbor's overall cost of living index is 99.1, where 100 represents the US national average. Living in Charlotte Harbor costs roughly 1% less than the average American city.
| Metric | Charlotte Harbor, FL | National Avg |
|---|---|---|
| Median Home Value | $176,800 | $244,900 |
| Median Monthly Rent | $1,106 | $1,163 |
| Homeownership Rate | 42.6% | 65.9% |
| Median Household Income | $38,951 | $74,755 |
Crime & Safety
Crime data for Charlotte Harbor is not currently available from the FBI's Uniform Crime Reporting program. Not all local agencies report to the UCR each year.
Schools & Education
| Metric | Charlotte Harbor, FL | National Avg |
|---|---|---|
| School District | N/A | — |
| Elementary Schools | N/A | — |
| Middle Schools | N/A | — |
| High Schools | N/A | — |
| Student/Teacher Ratio | N/A | 16:1 |
| Bachelor's Degree or Higher | 23.0% | 35.4% |
| High School Diploma or Higher | 92.1% | 91.1% |
Weather & Climate
Charlotte Harbor sees average highs of 76.8°F in January and 94.0°F in July, with 54.8 inches of annual precipitation .
| Metric | Charlotte Harbor, FL |
|---|---|
| Average High — January | 76.8°F |
| Average High — July | 94.0°F |
| Annual Precipitation | 54.8" |
| Annual Snowfall | Trace / None |
Demographics
| Metric | Charlotte Harbor, FL | National Avg |
|---|---|---|
| Population | 4,516 | — |
| Median Age | 67.4 | 38.9 |
| Unemployment Rate | 2.6% | 3.7% |
| Avg Commute Time | 18.7 min | 26 min |
| White (non-Hispanic) | 85.1% | 59.3% |
| Black or African American | 6.4% | 13.6% |
| Hispanic or Latino | 3.9% | 18.9% |
| Asian | 0.3% | 6.3% |
| Under 18 | 11.4% | 22.2% |
| 65 and over | 56.7% | 16.8% |