Charlotte Trojans, Charlotte, TX IMG 2516 · Billy Hathorn / CC BY-SA 3.0Charlotte City Hall at Christmas, Charlotte, TX IMG 2521 · Billy Hathorn / CC BY-SA 3.0First United Methodist Church, Charlotte, TX IMG 2522 · Billy Hathorn / CC BY-SA 3.0First Baptist Church of Charlotte, TX IMG 2518 · Billy Hathorn / CC BY-SA 3.0
Charlotte is a small town of 1,324 in Texas, with a median household income of $26,352
and a 6.1% unemployment rate.
Its cost of living index is 94 (US average = 100), which is
6% below the national average.
Strengths:
Charlotte stands out for an affordable cost of living, below-average home prices, solid school ratings (B).
Trade-offs:
Potential downsides include an elevated unemployment rate. Whether Charlotte is right for you depends on your priorities — the full breakdown is below.
All Charlotte 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: 93.7
Charlotte's overall cost of living index is 93.7,
where 100 represents the US national average.
Living in Charlotte costs roughly 6% less than the average American city.
Metric
Charlotte, TX
National Avg
Median Home Value
$53,800
$244,900
Median Monthly Rent
N/A
$1,163
Homeownership Rate
95.2%
65.9%
Median Household Income
$26,352
$74,755
Crime & Safety
Safer than Average
Charlotte's violent crime rate is 263.9 per 100,000 residents
— 31% lower than the national average of ~380 per 100,000.
Violent Crime
263.9 /100k
Property Crime
1642.1 /100k
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
Charlotte is served primarily by CHARLOTTE ISD.
The student-to-teacher ratio is 10.9:1
(better than the national average of ~16:1).
Metric
Charlotte, TX
National Avg
School District
CHARLOTTE ISD
—
Elementary Schools
1
—
Middle Schools
1
—
High Schools
1
—
Student/Teacher Ratio
10.9:1
16:1
Bachelor's Degree or Higher
2.5%
35.4%
High School Diploma or Higher
57.1%
91.1%
Weather & Climate
Charlotte sees average highs of 69.3°F in January
and 98.5°F in July,
with 26.8 inches of annual precipitation
.
Charlotte's cost of living index is 94, where 100 is the national average.
That makes Charlotte roughly 6% less expensive than a typical US city — a meaningful affordability advantage.
The median home price is $53,800 and median rent is N/A/month.
Charlotte's violent crime rate is 263.9 per 100,000 residents — the national average is ~380 per 100,000. Property crime is 1642.1 per 100,000 (national avg ~2,100). Data from the FBI Uniform Crime Reporting Program.
Public schools in Charlotte are operated by CHARLOTTE ISD.
The district has 1 elementary, 1 middle, and 1 high schools.
The student-to-teacher ratio is 10.9:1. 2.5% of adults 25+ hold a bachelor's degree or higher.
Charlotte, TX has a population of 1,324, a median household income of $26,352, and an unemployment rate of 6.1%.
It offers below-average costs of living, which stretches take-home pay further than in most American cities. Whether it's right for you depends on your priorities — use the compare tool above to stack it against another city you're considering.
Charlotte averages 69.3°F in January and 98.5°F in July. Annual rainfall is 26.8 inches
.
Based on NOAA 30-year climate normals (1991–2020).
Charlotte, TX is covered by 1 ZIP code: 78011.
The population of Charlotte, Texas is 1,324 with a median age of 33.2. Source: US Census ACS 5-Year Estimates.
Key numbers for living in Charlotte: cost of living index 94 (100 = US average), median home $53,800, median household income $26,352, crime index 73 (100 = US average, lower is safer), schools rated B. Whether these are benefits or drawbacks depends on where you're coming from — compare Charlotte side by side with your current city to see the trade-offs.
