Charlotte, IA—52731
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Charlotte, IA
As of Oct '25, the median home price in Charlotte, IA is $240,000, with a year-over-year change of 2.9%. This indicates that home prices in Charlotte, IA are increasing. According to Zillow, the 1-year price projection is 0.5%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $240,000 | 2.9% |
| Single Family | $240,000 | 3.9% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $262,000 | 5.6% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Charlotte, IA
Charlotte, IA lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Charlotte, IA
As of Oct '25, Realtor.com reports that the median days on market for a home in Charlotte, IA is 45. This is a increase of 31.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $490,000 | -22.0% |
Listing Count | 3 | 0.0% |
| Listings as % of Homes | 0.6% | 0.0% |
Days on Market | 45 | 31.0% |
Demographics — Charlotte, IA
As of the latest ACS Survey released in 2023, Charlotte, IA has a population of 808, which has increased by 8.5% over the past 5 years. Charlotte, IA is a moderately popular place for families, as children make up 23.0% of the population. The area has a poorly educated workforce, with 11.9% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 19.2% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 808 | 8.5% |
% Under 18 | 23.0% | 1.3% |
% Seniors | 17.0% | -26.4% |
% WFH | 19.2% | 464.7% |
% w/ College Degree | 11.9% | -19.0% |
As of the latest ACS Survey released in 2023, Charlotte, IA is a predominantly white area, with 87.0% of the population identifying as white. The white population has shrunk by 9.8% in the last 5 years. The second most common race or ethnicity in Charlotte, IA is hispanic, making up 7.4% of the population. Foreign-born residents account for 4.1% of the population in Charlotte, IA, and this percentage has increased by 95.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 87.0% | -9.8% |
% Black | 1.9% | 533.3% |
% Hispanic | 7.4% | 164.3% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 4.1% | 95.2% |
Mortgage and Risk — Charlotte, IA
Charlotte, IA lacks sufficient mortgage origination data for analysis.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | N/A |
% Conventional Loans | N/A |
% Government Loans | N/A |
% Investor Loans | N/A |
% Second Loans | N/A |
% Cash Out Refinance | N/A |
Loan Activity
No data available
Rentals and Section 8 — Charlotte, IA
Charlotte, IA lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 5 |
Total Units Section 8 | 5 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $840 |
| 2 Bedroom | N/A | N/A | $1,100 |
| 3 Bedroom | N/A | N/A | $1,340 |
| 4 Bedroom | N/A | N/A | $1,610 |
Affordability — Charlotte, IA
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.4 |
| Median Home Price | $240,000 |
| Median Household Income | $92,200 |