Charlotte Harbor, Florida Demographics & Population 2026

Population Overview

Charlotte Harbor is a small community located in Florida, within Charlotte County. The total population is 4,239. It ranks as the 521st most populous out of 955 Census-designated places in Florida.

Age Demographics

The median age in Charlotte Harbor is 66.9 years. This is 57% higher than the state median of 42.6 years. Only 10.7% of residents are under 18, indicating fewer families with children. 34.3% 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 is $40,406. This is 46% lower than the state median of $74,568. It is also 50% lower than the national median of $80,734. The poverty rate stands at 20.5%. This is 63% higher than the state poverty rate of 12.6%. With more than one in five residents living below the poverty line, economic hardship is a significant challenge for the community. The unemployment rate is 2.1%. This is 57% lower than the state rate of 4.8%. The median home value is $183,300. Housing costs are 49% lower than the state median of $359,000. The home-value-to-income ratio is 4.5x. 48.4% of occupied housing units are owner-occupied. This homeownership rate is 28% lower than the state average of 67.6%.

Race & Ethnicity

The largest racial or ethnic group in Charlotte Harbor is White (non-Hispanic), making up 80.8% of the population. Hispanic or Latino residents account for 9.1%. The White (non-Hispanic) population is significantly higher than the state average (80.8% vs 50.4%). The Black or African American population (6.0%) is well below the state average of 14.6%. The Hispanic or Latino population (9.1%) is well below the state average of 27.4%. The Asian population (0.3%) is well below the state average of 2.9%.

Education

26.4% of residents aged 25 and older hold a bachelor's degree or higher. This is 23% lower than the state rate of 34.2%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 90.7%.

Data Sources & Methodology

All demographic data for Charlotte Harbor, Florida is sourced from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates. The ACS collects data from approximately 3.5 million households annually and pools five years of responses so that even small communities can be measured, though the margin of error widens as the population falls. Comparisons are made against Florida state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 955 Census-designated places in Florida. Read more about how these figures are produced on our methodology page, or visit data.census.gov for official data.