HomeMichiganEaton CountyCharlotte
Charlotte, Michigan: commercial real estate data.
Charlotte is a Census city of 9,277 people across 6.45 square miles of land, in Eaton County. Median household income is $62,681, 67.0 percent of occupied homes are owned, and the SBA record carries 19 7(a) approvals to borrowers here worth $7.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Charlotte
What Charlotte is
- Census place typecity
- Land area6.45 sq mi
- Water area0.05 sq mi
- Population per square mile of land1,438
- County holding the largest share of its areaEaton 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.
Charlotte
How many people live in Charlotte
- Population9,277
- Median age34.4
- Population under 182,323
- Share under 1825.0 percent
- Population 65 and over1,408
- Share 65 and over15.2 percent
- Households3,625
- Family households2,183
- Share of households that are families60.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlotte
Income and work in Charlotte
- Median household income$62,681
- Per capita income$30,689
- Civilian labor force4,536
- Employed4,392
- Unemployed144 plus or minus 88
- Unemployment rate3.2 percent plus or minus 1.9
- Adults 25 and over6,037
- Adults 25 and over with a high school diploma or higher91.1 percent
- Adults 25 and over with a bachelor degree or higher18.2 percent plus or minus 3.7
- Adults 25 and over with a graduate degree4.9 percent plus or minus 1.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlotte
Housing in Charlotte
- Housing units3,857
- Occupied units3,625
- Vacant units232 plus or minus 136
- Vacancy rate6.0 percent plus or minus 3.5
- Owner occupied2,430
- Renter occupied1,195
- Ownership rate67.0 percent
- Median owner-occupied home value$153,900
- Median gross rent, monthly$887 plus or minus $219
- Annual rent as a share of median income17.0 percent plus or minus 4.5
- Single family units2,553
- Share single family66.2 percent
- Units in buildings of two or more1,113
- Share in buildings of two or more28.9 percent
- Mobile homes191 plus or minus 73
- Median year structure built1964
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlotte
How Charlotte gets to work
- Workers 16 and over who commute3,789
- Commuting under 15 minutes1,765
- Share commuting under 15 minutes46.6 percent
- Commuting 30 minutes or more907 plus or minus 209
- Share commuting 30 minutes or more23.9 percent plus or minus 5.2
- Drove alone70.0 percent
- Carpooled10.4 percent plus or minus 5.6
- Public transport0.6 percent plus or minus 0.9
- Walked3.4 percent plus or minus 2.7
- Worked from home12.9 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlotte
SBA loans in Charlotte (7(a))
- Approvals19
- Gross approval$7,334,000
- Average approval$386,000
- Median approval$150,000
- Largest approval$3,589,000
- Jobs supported198
- Jobs per approval10.4
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more21.1 percent
- Share to franchises5.3 percent
- Distinct lenders11
- Distinct industries by NAICS14
Counted by borrower city: approvals to borrowers whose address is in Charlotte, in any county, FY2020 to FY2026. Only 4 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.
Charlotte
SBA loans in Charlotte (504)
- Approvals4
- Gross approval$2,201,000
- Average approval$550,250
- Median approval$419,000
- Largest approval$1,255,000
- Jobs supported21
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Charlotte, 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.
Charlotte
Flood risk in Charlotte
- NFIP communityCity of Charlotte
- NFIP community number260065
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/26/10
The City of Charlotte participates in the National Flood Insurance Program as community 260065 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.
Eaton County, not Charlotte
Eaton County context, not Charlotte figures
- Establishments in Eaton County2,182
- Covered employment, Eaton County44,501
- Average annual pay, Eaton County$60,862
- Housing units permitted, Eaton County118
Every figure in this section is published for Eaton County as a whole and is not a measurement of Charlotte.
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
Charlotte questions, answered from the record.
How many people live in Charlotte, Michigan?
9,277, in 3,625 households. Charlotte city covers 6.45 square miles of land, which is 1,438 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Charlotte in?
Eaton 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 Charlotte?
$62,681. The median owner-occupied home is valued at $153,900. Median gross rent is $887 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Charlotte businesses?
19 7(a) approvals totaling $7.3 m since FY2020, across 11 lenders, median approval $150,000, plus 4 504 approvals worth $2.2 m since FY2010. These count approvals to borrowers whose address is in Charlotte, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Charlotte borrowers get paid back?
No rate is published for Charlotte. Only 4 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 Charlotte in the National Flood Insurance Program?
Yes. Charlotte appears in the FEMA Community Status Book as Charlotte, city of, community 260065, 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 Charlotte figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Eaton 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 Charlotte.
Is zoning published for Charlotte?
No. Nothing on this page presents parcel level zoning.
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