HomeMontanaLake CountyCharlo
Charlo, Montana: commercial real estate data.
Charlo is a Census CDP of 306 people across 1.99 square miles of land, in Lake County. Median household income is $40,469, 67.8 percent of occupied homes are owned, and the SBA record carries 2 7(a) approvals to borrowers here worth $543,500 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Charlo
What Charlo is
- Census place typeCDP
- Land area1.99 sq mi
- Water area0.01 sq mi
- Population per square mile of land154 plus or minus 33
- County holding the largest share of its areaLake 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.
Charlo
How many people live in Charlo
- Population306 plus or minus 65
- Median age55.5 plus or minus 12.6
- Population under 1841 plus or minus 27
- Share under 1813.4 percent plus or minus 8.5
- Population 65 and over94 plus or minus 33
- Share 65 and over30.7 percent plus or minus 8.5
- Households149 plus or minus 31
- Family households79 plus or minus 21
- Share of households that are families53.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlo
Income and work in Charlo
- Median household income$40,469
- Per capita income$29,428
- Civilian labor force150 plus or minus 47
- Employed144 plus or minus 46
- Unemployed6 plus or minus 9
- Unemployment rate4.0 percent plus or minus 5.9
- Adults 25 and over256 plus or minus 53
- Adults 25 and over with a high school diploma or higher93.4 percent
- Adults 25 and over with a bachelor degree or higher15.6 percent plus or minus 8.8
- Adults 25 and over with a graduate degree7.4 percent plus or minus 6.5
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlo
Housing in Charlo
- Housing units156
- Occupied units149 plus or minus 31
- Vacant units7 plus or minus 7
- Vacancy rate4.5 percent plus or minus 4.4
- Owner occupied101 plus or minus 25
- Renter occupied48 plus or minus 24
- Ownership rate67.8 percent
- Median owner-occupied home value$210,800 plus or minus $73,303
- Median gross rent, monthly$843
- Annual rent as a share of median income25.0 percent
- Single family units79 plus or minus 24
- Share single family50.6 percent plus or minus 11.7
- Units in buildings of two or more14 plus or minus 18
- Share in buildings of two or more9.0 percent plus or minus 11.7
- Mobile homes63 plus or minus 24
- Median year structure built1974
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlo
How Charlo gets to work
- Workers 16 and over who commute109 plus or minus 47
- Commuting under 15 minutes16 plus or minus 19
- Share commuting under 15 minutes14.7 percent plus or minus 16.3
- Commuting 30 minutes or more60 plus or minus 32
- Share commuting 30 minutes or more55.0 percent plus or minus 18.0
- Drove alone69.9 percent plus or minus 16.0
- Carpooled10.3 percent plus or minus 10.4
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home19.9 percent plus or minus 17.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlo
SBA loans in Charlo (7(a))
- Approvals2
- Gross approval$543,500
- Average approval$271,750
- Median approval$271,750
- Largest approval$500,000
- Jobs supported24
- Jobs per approval12.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term96 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders2
- Distinct industries by NAICS2
Counted by borrower city: approvals to borrowers whose address is in Charlo, in any county, FY2020 to FY2026. Only 0 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.
Lake County, not Charlo
Lake County context, not Charlo figures
- Establishments in Lake County991
- Covered employment, Lake County9,768
- Average annual pay, Lake County$50,280
- Housing units permitted, Lake County19
Every figure in this section is published for Lake County as a whole and is not a measurement of Charlo.
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
Charlo questions, answered from the record.
How many people live in Charlo, Montana?
306, in 149 households. Charlo CDP covers 1.99 square miles of land, which is 154 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Charlo in?
Lake 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 Charlo?
$40,469. The median owner-occupied home is valued at $210,800. Median gross rent is $843 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Charlo businesses?
2 7(a) approvals totaling $543,500 since FY2020, across 2 lenders, median approval $271,750. These count approvals to borrowers whose address is in Charlo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Charlo borrowers get paid back?
No rate is published for Charlo. Only 0 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.
Are the county figures on this page Charlo figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Lake 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 Charlo.
Is zoning published for Charlo?
No. Nothing on this page presents parcel level zoning.