The Town FilesCharlotte Harbor, Florida
Community in Charlotte County · population 3,784 (2020 Census)
- Median home
- $183,300
- Household income
- $40,406
- Jan low / Jul high
- 53° / 94°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 51
- Median age
- 66.9
Charlotte Harbor is a community of 3,784 people in Charlotte County, Florida. The median home is worth $183,300, below the typical Florida town ($331,600). It ranks hipper than 92% of Florida towns, better for first-time buyers than 89% of Florida towns, more seaside character than 83% of Florida towns.
How Charlotte Harbor ranks
Percentile among Florida towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Florida towns.
Homes and cost of living
The median home in Charlotte Harbor is worth $183,300, below the typical Florida town ($331,600). Homes cost about 4.5 times the median household income of $40,406, which is more affordable than 52% of Florida towns. Median rent is $1,316 a month. 48.4% of households own their home.
| Housing | Charlotte Harbor | Typical Florida town |
|---|---|---|
| Median home value | $183,300 | $331,600 |
| Median rent | $1,316 | $1,569 |
| Median household income | $40,406 | $71,140 |
| Home value ÷ income | 4.5× | 4.5× |
| Homeownership | 48.4% | 73.5% |
| Median year built | 1982 | 1985 |
| Seasonal / vacation homes | 13.0% | — |
Who lives in Charlotte Harbor
| People | Charlotte Harbor | Typical Florida town |
|---|---|---|
| Median age | 66.9 | 42.8 |
| Age 65 and over | 56.0% | 20.2% |
| Under 18 | 10.7% | — |
| Bachelor's degree or higher | 26.4% | 28.8% |
| Below the poverty line | 20.5% | 11.3% |
| Veterans | 12.2% | — |
| Born outside the U.S. | 9.6% | — |
| Work from home | 8.6% | 13.5% |
| Average commute | 18.6 min | 27.5 min |
| Homes with broadband | 79.0% | 92.4% |
Weather in Charlotte Harbor
July highs average 94.0°F and January lows 52.5°F. About 54.0 inches of rain and melted snow fall a year, with 0.0 inches of snow (typical Florida town: 0.0 in). Expect about 136 days a year at 90°F or hotter and 1 nights at or below freezing.
Tornadoes, storms and disasters
51 tornadoes have passed within 10 miles of Charlotte Harbor since 1950, compared with 35 for the typical Florida town. 5 rated (E)F2 or stronger. The strongest, an F2, struck on June 21, 2006 about 3.8 miles from the town center. Tornadoes within 10 miles have caused 2 deaths and 12 injuries since 1950. The most recent was on October 9, 2024.
Hail of 1 inch or larger has been reported within 10 miles 16 times; the largest was 2.75 inches on May 3, 2005.
Severe weather in Charlotte County since 1996
Charlotte County has been included in 42 federal disaster or emergency declarations since 1953, most often for fire, flood, tornado.
| Declared | Incident | Declaration |
|---|---|---|
| October 11, 2024 | Hurricane | DR-4834: Hurricane Milton |
| October 7, 2024 | Hurricane | EM-3622: Hurricane Milton |
| September 28, 2024 | Hurricane | DR-4828: Hurricane Helene |
| September 24, 2024 | Tropical Storm | EM-3615: Tropical Storm Helene |
| August 10, 2024 | Tropical Storm | DR-4806: Hurricane Debby |
Jobs and pay in Charlotte County
Charlotte County had 56,024 jobs in 2024, paying an average of $54,082 a year. Unemployment was 3.5% in 2023; in Charlotte Harbor itself the ACS puts it at 2.1%.
Towns near Charlotte Harbor
- Port Charlotte, FL3.9 mi · 60,625 people · home $269,900
- Harbour Heights, FL3.9 mi · 3,428 people · home $368,900
- Charlotte Park, FL4.0 mi · 2,667 people · home $290,800
- Cleveland, FL4.3 mi · 3,435 people · home $177,800
- Punta Gorda, FL4.4 mi · 19,471 people · home $518,100
- North Port, FL10.8 mi · 74,793 people · home $362,500
- Warm Mineral Springs, FL14.3 mi · 5,442 people · home $188,300
- Rotonda, FL14.5 mi · 10,114 people · home $389,400
Charlotte Harbor questions
Is Charlotte Harbor, Florida a good place to retire?
On The Town Files lifestyle rankings, Charlotte Harbor scores better for retirees than 75% of Florida towns and quieter than 65%. 56.0% of residents are 65 or older (median age 66.9).
How much does a house cost in Charlotte Harbor?
The median owner-occupied home in Charlotte Harbor is valued at $183,300 (Census ACS 2020–2024), against a median household income of $40,406, so homes cost about 4.5 times income. Median rent is $1,316 a month.
What is the weather like in Charlotte Harbor?
July highs average 94.0°F and January lows 52.5°F (NOAA 1991–2020 normals). It gets about 54.0 inches of precipitation a year and 0.0 inches of snow.
Does Charlotte Harbor get tornadoes?
51 tornadoes have passed within 10 miles of Charlotte Harbor since 1950 (NOAA Storm Events); the strongest was a F2 on June 21, 2006. The typical Florida town has had 35.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)