Charlotte Harbor CDP, Florida Demographics & Population 2026

Population Overview

Charlotte Harbor CDP is a small community located in Florida. The total population is 4,456. It ranks as the 512th most populous out of 953 cities and towns in Florida.

Age Demographics

The median age in Charlotte Harbor CDP is 67.0 years. This is 57% higher than the state median of 42.6 years. Only 11.3% of residents are under 18, indicating fewer families with children. 34.6% of residents are 75 or older, suggesting a significant retirement-age population with implications for healthcare services and senior housing.

Economy, Income & Housing

The median household income in Charlotte Harbor CDP is $41,750. This is 42% lower than the state median of $71,711. Compared to the national median of $78,538, household income here is 47% lower. The poverty rate stands at 17.4%. This is 38% higher than the state poverty rate of 12.6%. The unemployment rate is 2.4%. This is 51% lower than the state rate of 4.8%. The median home value is $194,200. Housing costs are 40% lower than the state median of $325,000. The home-value-to-income ratio is 4.7x. 42.2% of occupied housing units are owner-occupied. This homeownership rate is 37% lower than the state average of 67.3%.

Race & Ethnicity

The largest racial or ethnic group in Charlotte Harbor CDP is White (non-Hispanic), making up 81.9% of the population. Hispanic or Latino residents account for 7.0%. The White (non-Hispanic) population is significantly higher than the state average (81.9% vs 51.4%). The Black or African American population (5.8%) is well below the state average of 14.8%. The Hispanic or Latino population (7.0%) is well below the state average of 26.8%. The Asian population (0.3%) is well below the state average of 2.8%.

Education

25.5% of residents aged 25 and older hold a bachelor's degree or higher. This is 23% lower than the state rate of 33.2%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 90.1%.

Data Sources & Methodology

All demographic data for Charlotte Harbor CDP, Florida is sourced from the U.S. Census Bureau's American Community Survey (ACS) 5-Year Estimates (2019-2023). The ACS collects data from approximately 3.5 million households annually, providing reliable estimates for communities of all sizes. Comparisons are made against Florida state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 953 Census-designated places in Florida. For official data, visit data.census.gov.