Charlotte Harbor, FL population, income and ZIP codes

Charlotte Harbor CDP is a small town in Florida, with 4,456 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #512 of 955 ranked by population — larger than 46% of them. The median age here is 67 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Charlotte Harbor CDP earn a median of $41,750 a year, 46.8% below the national figure of $78,538 and 39% below the $68,617 median for the 775 Florida cities we cover. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 17.4% of residents here, above the 12.4% national rate.

The typical owner-occupied home in Charlotte Harbor CDP is valued at $194,200, 36% below the national figure and 36% below the $305,300 peer median, while median gross rent runs $1,139 a month, 19% below the national figure, or roughly $13,668 across a full year. A household on the local median income would put about 32.7% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 4.7×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 42.2% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

A median age of 67 puts Charlotte Harbor CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.