HomeIndianaClark CountyCharlestown
Charlestown, Indiana: commercial real estate data.
Charlestown is a Census city of 8,294 people across 11.45 square miles of land, in Clark County. Median household income is $77,288, 77.4 percent of occupied homes are owned, and the SBA record carries 13 7(a) approvals to borrowers here worth $4.9 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Charlestown
What Charlestown is
- Census place typecity
- Land area11.45 sq mi
- Water area0.04 sq mi
- Population per square mile of land725
- County holding the largest share of its areaClark County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlestown
How many people live in Charlestown
- Population8,294
- Median age32.9
- Population under 182,414
- Share under 1829.1 percent
- Population 65 and over921 plus or minus 253
- Share 65 and over11.1 percent plus or minus 3.0
- Households2,995
- Family households1,991
- Share of households that are families66.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlestown
Income and work in Charlestown
- Median household income$77,288 plus or minus $18,469
- Per capita income$31,428
- Civilian labor force4,274
- Employed4,102
- Unemployed172 plus or minus 105
- Unemployment rate4.0 percent plus or minus 2.4
- Adults 25 and over5,074
- Adults 25 and over with a high school diploma or higher90.2 percent
- Adults 25 and over with a bachelor degree or higher25.7 percent plus or minus 5.5
- Adults 25 and over with a graduate degree4.7 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlestown
Housing in Charlestown
- Housing units3,207
- Occupied units2,995
- Vacant units212 plus or minus 119
- Vacancy rate6.6 percent plus or minus 3.7
- Owner occupied2,318
- Renter occupied677 plus or minus 168
- Ownership rate77.4 percent
- Median owner-occupied home value$208,300
- Median gross rent, monthly$1,033
- Annual rent as a share of median income16.0 percent plus or minus 4.3
- Single family units2,543
- Share single family79.3 percent
- Units in buildings of two or more613 plus or minus 166
- Share in buildings of two or more19.1 percent plus or minus 5.0
- Mobile homes51 plus or minus 61
- Median year structure built1988
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlestown
How Charlestown gets to work
- Workers 16 and over who commute3,754
- Commuting under 15 minutes998 plus or minus 314
- Share commuting under 15 minutes26.6 percent plus or minus 7.8
- Commuting 30 minutes or more1,246 plus or minus 306
- Share commuting 30 minutes or more33.2 percent plus or minus 7.2
- Drove alone83.7 percent
- Carpooled6.2 percent plus or minus 3.2
- Public transport0.0 percent
- Walked2.0 percent plus or minus 2.7
- Worked from home6.2 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlestown
SBA loans in Charlestown (7(a))
- Approvals13
- Gross approval$4,932,300
- Average approval$379,408
- Median approval$250,000
- Largest approval$1,500,000
- Jobs supported74
- Jobs per approval5.7
- Loans with a final outcome2
- Paid in full2
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more23.1 percent
- Share to franchises23.1 percent
- Distinct lenders10
- Distinct industries by NAICS9
Counted by borrower city: approvals to borrowers whose address is in Charlestown, in any county, FY2020 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Charlestown
SBA loans in Charlestown (504)
- Approvals3
- Gross approval$4,924,000
- Average approval$1,641,333
- Median approval$797,000
- Largest approval$3,356,000
- Jobs supported33
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in Charlestown, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Charlestown
Flood risk in Charlestown
- NFIP communityCity of Charlestown
- NFIP community number180025
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/16/14
The City of Charlestown participates in the National Flood Insurance Program as community 180025 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Clark County, not Charlestown
Clark County context, not Charlestown figures
- Establishments in Clark County2,727
- Covered employment, Clark County59,223
- Average annual pay, Clark County$56,578
- Housing units permitted, Clark County911
Every figure in this section is published for Clark County as a whole and is not a measurement of Charlestown.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Charlestown questions, answered from the record.
How many people live in Charlestown, Indiana?
8,294, in 2,995 households. Charlestown city covers 11.45 square miles of land, which is 725 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Charlestown in?
Clark County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Charlestown?
$77,288. The median owner-occupied home is valued at $208,300. Median gross rent is $1,033 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Charlestown businesses?
13 7(a) approvals totaling $4.9 m since FY2020, across 10 lenders, median approval $250,000, plus 3 504 approvals worth $4.9 m since FY2010. These count approvals to borrowers whose address is in Charlestown, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Charlestown borrowers get paid back?
No rate is published for Charlestown. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Charlestown in the National Flood Insurance Program?
Yes. Charlestown appears in the FEMA Community Status Book as Charlestown, city of, community 180025, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Charlestown figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Clark County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Charlestown.
Is zoning published for Charlestown?
No. Nothing on this page presents parcel level zoning.
Nearby