Charter Oak city, Iowa Demographics & Population 2026
As of 2026, Charter Oak city, Iowa has a total population of 489, the 474th largest city in Iowa, with a median household income of $58,068, which is 21% lower than the state average. The poverty rate is 12.7%.
Key Takeaways
- Only 9.8% of adults have a bachelor's degree, well below the national average of 35.0%.
- Housing is very affordable with a home-value-to-income ratio of just 1.4x.
- Near full employment with an unemployment rate of just 1.5%.
Charter Oak city Quick Facts
How Charter Oak city Compares
Median Household Income
Median Home Value
Economy & Housing
Household Income Distribution
Employment
Housing Overview
People & Demographics
Age Distribution
Race & Ethnicity
Diversity Index
A less diverse community where one racial or ethnic group represents a large majority.
State average: 30 | National average: 60
Education
Educational Attainment (Adults 25+)
Charter Oak city Rankings in Iowa
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Cities Similar to Charter Oak city
These cities in the same state have comparable population and economic profiles.
| City | Population | Median Income | Home Value | Bachelor's+ | Poverty |
|---|---|---|---|---|---|
| Birmingham city | 479 | $58,688 | $97,300 | 9.6% | 14.5% |
| Beacon city | 497 | $56,000 | $76,200 | 6.6% | 12.5% |
| Doon city | 477 | $59,688 | $156,900 | 12.8% | 9.2% |
| Lamont city | 503 | $56,250 | $91,700 | 7.6% | 11.1% |
| Stacyville city | 480 | $61,875 | $107,800 | 12.8% | 3.7% |
Population Overview
Charter Oak city is a small community located in Iowa. The total population is 489. It ranks as the 474th most populous out of 1,018 cities and towns in Iowa.
Age Demographics
The median age in Charter Oak city is 59.5 years. This is 54% higher than the state median of 38.6 years. 20.3% 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 Charter Oak city is $58,068. This is 21% lower than the state median of $73,147. Compared to the national median of $78,538, household income here is 26% lower. The poverty rate stands at 12.7%. This is 15% higher than the state poverty rate of 11.0%. The unemployment rate is 1.5%. This is 58% lower than the state rate of 3.6%. The median home value is $81,600. Housing costs are 58% lower than the state median of $195,900. With a home-value-to-income ratio of just 1.4x, Charter Oak city is one of the most affordable housing markets in the area. 65.9% of occupied housing units are owner-occupied. This homeownership rate is 8% lower than the state average of 71.5%.
Race & Ethnicity
Charter Oak city has a predominantly White (non-Hispanic) population, comprising 93.7% of all residents. Hispanic or Latino residents account for 1.6%. The Hispanic or Latino population (1.6%) is well below the state average of 7.0%.
Education
9.8% of residents aged 25 and older hold a bachelor's degree or higher. This is 68% lower than the state rate of 30.9%. Nationally, 35.0% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 93.1%.
Data Sources & Methodology
All demographic data for Charter Oak city, Iowa 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 Iowa state averages and national averages calculated from the same dataset. Rankings reflect the city's position among all 1,018 Census-designated places in Iowa. For official data, visit data.census.gov.
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Frequently Asked Questions
What is the population of Charter Oak city, Iowa?
Charter Oak city, Iowa has a population of 489 according to the most recent U.S. Census ACS 5-Year Estimates.
What is the median household income in Charter Oak city, IA?
The median household income in Charter Oak city is $58,068, which is 26% lower the national median of $78,538.
What is the poverty rate in Charter Oak city, IA?
The poverty rate in Charter Oak city is 12.7%. This means approximately 62 residents live below the federal poverty line.
What is the racial makeup of Charter Oak city, Iowa?
Charter Oak city's population is 93.7% White, 0.0% Black, 1.6% Hispanic/Latino, and 0.0% Asian.
What is the median home value in Charter Oak city, IA?
The median home value in Charter Oak city is $81,600. The home-value-to-income ratio is 1.4x.
How educated is Charter Oak city, Iowa?
9.8% of adults (25+) in Charter Oak city hold a bachelor's degree or higher, and 5.5% hold a graduate or professional degree.