Each edition grades its towns against each other only.
Home to 4,239 people, the town was settled in 1872. A regional job hub with 3,523 jobs.
Charlotte Harbor’s overall C− puts it 469th of 634 in Florida. Set against the rest, it does better than 18% of U.S. towns. Its weakest subject is hazard risk: FEMA rates its natural-hazard risk higher than 89% of U.S. communities, with hurricanes at the top. It also trails on cost of living — the typical home is worth about $183K, 2.6 years of the Punta Gorda metro’s $70K median household income. Mott Willis Store is on the National Register of Historic Places. Its other grades sit near the middle: B− for schools, C+ for health and B− for walkability.
Figures: FEMA National Risk Index · home values, Zillow · incomes, Census ACS, 2020–24 · schools, state test and graduation results · health, CDC PLACES · National Register of Historic Places.
Where Charlotte Harbor beats most towns, and one thing worth knowing.
Where Charlotte Harbor’s working residents go each day. Line width shows the share.
Census LEHD 2023
Each subject compared with towns across the country (schools within Florida), ordered by how far Charlotte Harbor is from typical.
How TownRatings grades towns →
Census counts: 3,327 in 1990, 3,784 in 2020. The archive holds 5 old photos and papers going back to 1863 and 3 maps from 1957 on.
1 place on the National Register of Historic Places.
Charlotte Harbor is unincorporated, so Charlotte County and regional agencies provide most services.
EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Nov 17, 2025.
Ordered by what stands out in Charlotte Harbor.
Charlotte Harbor draws workers from Port Charlotte and beyond, has more 90° days than nearly all U.S. towns and is healthier than towns with similar incomes.
The median household earns $40,406, against $74,568 across Florida, one input to its C for jobs and income.
The bachelor’s-degree share among adults 25 and older is 26%, against 34% across Florida. 11% of residents are under 18 in Charlotte Harbor. Its median age is 66.9 years.
| Charlotte Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Aged 65 or older | 56% | 20% | 18% |
| Median age | 66.9 years | 42.4 years | 40.5 years |
| Under 18 | 11% | 20% | 22% |
| Bachelor’s degree or more, 25+ | 26% | 31% | 29% |
55% women, 45% men
About 84 men for every 100 women (the survey’s margin: ±2.9 points). Across Florida, 50.9% of residents are women.
| Charlotte Harbor | FL | U.S. | |
|---|---|---|---|
| Under 10 | 6.8% | 10.3% | 11.6% |
| 10 to 17 | 3.9% | 9.2% | 10.3% |
| 18 to 24 | 5.3% | 8.1% | 9.1% |
| 25 to 34 | 7.9% | 12.7% | 13.7% |
| 35 to 44 | 4.4% | 12.7% | 13.2% |
| 45 to 54 | 5.6% | 12.3% | 12.2% |
| 55 to 64 | 10% | 13.4% | 12.7% |
| 65 to 74 | 21.8% | 11.7% | 10.2% |
| 75 and older | 34.3% | 9.6% | 7% |
| No diploma | 9.3% | 10.1% | 10.4% |
| High school | 36.4% | 27.2% | 26% |
| Some college | 19.6% | 18.5% | 19.1% |
| Associate’s | 8.3% | 10.1% | 8.8% |
| Bachelor’s | 14.4% | 21.3% | 21.6% |
| Graduate | 12% | 12.9% | 14.1% |
U.S. Census Bureau · ACS 2020-2024 5-year estimates · in a town of 4,200, single groups can be off by several points
The public schools here belong to the Charlotte school district. Its two schools are below. 2 public schools serve Charlotte Harbor, with 687 students in all.
| School | Level | Students | Letter |
|---|---|---|---|
| Peace River Elementary SchoolLargest public elementary schoolGrades PK–5 | Grades PK–5 | 557 | B+ |
| Charlotte Harbor SchoolLargest public high schoolGrades PK–12 | Grades PK–12 | 130 | B− |
NCES · EDFacts · graded within FL on state tests and graduation
3,523 jobs are based in Charlotte Harbor, 3 for every working resident, so most of the people who work here commute in. The average commute takes 18.6 minutes, against 28 across Florida.
Commuting out is the norm in Charlotte Harbor: 6% of working residents work locally. The share of residents in Charlotte Harbor who live below the poverty line: 21%. The top destinations are Port Charlotte (15%), Punta Gorda (7%) and Venice (3%). The town’s average commute stands at 19 minutes.
| Charlotte Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Below the poverty line | 21% | 11% | 9.6% |
| Average trip to work | 19 minutes | 27 minutes | 25 minutes |
| Median household income | $40,000 | $73,000 | $80,000 |
Census LEHD 2023 · ACS
Paid flood insurance claims in Charlotte Harbor since 1982: 279. Of the losses FEMA expects locally, 87% come from hurricanes and 7% from inland flooding. Federal disaster aid has reached households in Charlotte Harbor after 3 declared disasters, most recently in 2024.
FEMA flood insurance claims · FEMA disaster declarations and aid · FEMA National Risk Index · OpenFEMA
The Punta Gorda 4 Ese weather station, 5 miles away, records that about 136 days a year reach 90°, more than in 99% of U.S. towns. January nights average 53°, milder than in 99% of U.S. towns; July afternoons average 91.9°.
In Charlotte Harbor, the January low is 53°F. Snow is almost unheard of.
| Charlotte Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| January low | 53°F | 51°F | 22°F |
| July high | 92°F | 91°F | 85°F |
NOAA U.S. Climate Normals, 1991–2020
Against the 2,500 U.S. towns with household incomes like Charlotte Harbor’s, it is healthier than 92%, so its C+ isn’t only a matter of income.
Charlotte Harbor: just over one in ten adults smoke cigarettes. A tenth of Charlotte Harbor adults binge drink.
| Charlotte Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Binge drink (CDC PLACES) | 10% | 15% | 16% |
| High blood pressure (CDC PLACES) | 51% | 37% | 35% |
| Diabetes (CDC PLACES) | 18% | 13% | 12% |
| Yearly checkup (CDC PLACES) | 86% | 79% | 79% |
| What stands out | Charlotte Harbor | FL |
|---|---|---|
| Fewer adults facing housing insecurity | 7.7% | 13.9% |
| Fewer adults facing a utility shut-off | 5.2% | 8.6% |
| More adults who have had cancer | 17.2% | 9.1% |
CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA
Count the trails in 5 parks and preserves and they come to 0.3 miles. Charlotte Harbor’s density of trails comes in at 0.1 miles per square mile.
| Charlotte Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Miles of trail per square mile | 0.1 miles per square mile | 0.4 | 0.4 |
| Conserved land | 0.9% | 3% | 4.3% |
| Biggest places to walk | Trails | Acres |
|---|---|---|
| 1. Hickory Bluff Park | — | 10 |
| 2. Bayshore Live Oak Park | — | 8 |
| 3. Live Oak Point | — | 4 |
Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US
At 2.6 years of the Punta Gorda metro’s $70K median household income, the typical home costs less against local pay than in 93% of Florida towns; that ratio is one input to its C for cost of living. 75.2% of renter households pay 30% or more of their income for housing, against 60.1% across Florida.
Among households in Charlotte Harbor, 48% live in a home they own. The rent at the middle of the market for Charlotte Harbor comes to $1,316 a month. A home in Charlotte Harbor typically sold within 140 days of listing.
| Charlotte Harbor | Florida towns | U.S. towns | |
|---|---|---|---|
| Households that own their home | 48% | 72% | 73% |
| Median rent | $1,316 a month | $1,647 a month | $1,185 a month |
Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center
Museums, parks, gardens and other places to visit around Charlotte Harbor. Close and well known come first.
14 mi Ancient siteWarm Mineral Springs14 mi Park & preserveMyakkahatchee Creek Environmental Park
25 mi MuseumEdison and Ford Winter Estates
40 mi Stadium & arenaHertz Arena
23 mi State parkCayo Costa State Park
25 mi State parkMyakka River State ParkWarm Mineral Springs: Blas0082, Public domain · Edison and Ford Winter Estates: Rolf Müller (User:Rolfmueller), CC BY-SA 3.0 · Hertz Arena: Tthaas, CC BY-SA 3.0 · Cayo Costa State Park: https://www.flickr.com/photos/andrea_pauline/, CC BY-SA 2.0 · Myakka River State Park: Mx. Granger, CC0
None within 15 miles of Charlotte Harbor; the nearest are
About 3 of every 100 Charlotte Harbor residents are enrolled in college, against 6 across Florida.
Census-designated place in Florida, United States
Charlotte Harbor is a census-designated place (CDP) in Charlotte County, Florida, United States. The name Charlotte Harbor also refers to Charlotte Harbor (estuary) and Charlotte Harbor Preserve State Park, a 42,000-acre (17,000 ha) preserve with 70 miles (110 km) of shoreline along Charlotte Harbor in Charlotte County. The population of Charlotte Harbor was 3,784 in 2020, up from 3,710 at the 2010 census. It is part of the Punta Gorda, Florida Metropolitan Statistical Area and included in the North Port-Bradenton, Florida Combined Statistical Area.
From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)
2 towns share a border with Charlotte Harbor.
| Town | FL rank | Overall | Cost | Safety | Schools | Health |
|---|---|---|---|---|---|---|
| Charlotte Harbor | #469 | C− | C | — | B− | C+ |
| Port Charlotte | #542 | D | C− | — | B− | C+ |
| Punta Gorda | #270 | C+ | D− | A− | B− | B+ |
Charlotte Harbor and Port Charlotte report no FBI crime data of their own. Compare Charlotte Harbor with a neighbor →
Short answers, built from the data on this page.
Charlotte Harbor grades C− overall, better than 18% of U.S. towns and #469 of 634 in Florida. It grades C+ for health and B− for schools. Hazard risk is its weak spot, with a D.
The typical home is worth about $183,000, 51% below the Florida typical home. Cost of living, which also weighs rents, property taxes and how many households pay 30% or more of their income for housing, grades C.
