HomeNorth CarolinaMecklenburg CountyCharlotte city
Charlotte city, North Carolina: commercial real estate data.
Charlotte city is a Census city of 903,844 people across 311.60 square miles of land, in Mecklenburg County. Median household income is $82,068, 51.0 percent of occupied homes are owned, and the SBA record carries 1,224 7(a) approvals to borrowers here worth $827.6 m.
83 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Charlotte
What Charlotte is
- Census place typecity
- Land area311.6 sq mi
- Water area1.98 sq mi
- Population per square mile of land2,901
- County holding the largest share of its areaMecklenburg 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
- Population903,844
- Median age34.5
- Population under 18205,322
- Share under 1822.7 percent
- Population 65 and over99,482
- Share 65 and over11.0 percent
- Households368,788
- Family households204,356
- Share of households that are families55.4 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$82,068
- Per capita income$51,814
- Civilian labor force522,173
- Employed497,984
- Unemployed24,189
- Unemployment rate4.6 percent
- Adults 25 and over609,508
- Adults 25 and over with a high school diploma or higher89.5 percent
- Adults 25 and over with a bachelor degree or higher48.0 percent
- Adults 25 and over with a graduate degree17.3 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlotte
Housing in Charlotte
- Housing units399,305
- Occupied units368,788
- Vacant units30,517
- Vacancy rate7.6 percent
- Owner occupied188,109
- Renter occupied180,679
- Ownership rate51.0 percent
- Median owner-occupied home value$385,700
- Median gross rent, monthly$1,612
- Annual rent as a share of median income23.6 percent
- Single family units240,733
- Share single family60.3 percent
- Units in buildings of two or more153,176
- Share in buildings of two or more38.4 percent
- Mobile homes5,256
- Median year structure built1995
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 commute346,961
- Commuting under 15 minutes76,296
- Share commuting under 15 minutes22.0 percent
- Commuting 30 minutes or more119,047
- Share commuting 30 minutes or more34.3 percent
- Drove alone57.4 percent
- Carpooled8.6 percent
- Public transport1.9 percent
- Walked1.7 percent
- Worked from home28.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charlotte
SBA loans in Charlotte (7(a))
- Approvals1,224
- Gross approval$827,637,000
- Average approval$676,174
- Median approval$312,000
- Ninetieth percentile approval$1,900,000
- Largest approval$5,000,000
- Jobs supported16,643
- Jobs per approval13.6
- Loans with a final outcome222
- Paid in full206
- Charged off16
- Charge-off rate over resolved loans7.2 percent
- Median term120 months
- Share on real estate terms of 20 years or more13.1 percent
- Share to franchises21.7 percent
- Distinct lenders118
- Distinct industries by NAICS284
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)
- Approvals229
- Gross approval$214,395,000
- Average approval$936,223
- Median approval$594,000
- Largest approval$5,500,000
- Jobs supported2,216
- Loans with a final outcome82
- Charged off3
- Charge-off rate over resolved loans3.7 percent
- Median term240 months
- Distinct CDCs7
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Charlotte
Flood risk in Charlotte
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 2
- NFIP community number370159
- Currently effective map date11/16/18
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Mecklenburg County, not Charlotte
Mecklenburg County context, not Charlotte figures
These are Mecklenburg County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Charlotte measurements.
- Establishments in Mecklenburg County36,472
- Employment at those establishments, Mecklenburg County732,418
- Covered employment, Mecklenburg County788,436
- Average annual pay, Mecklenburg County$88,111
- Average weekly wage, Mecklenburg County$1,694
- Housing units permitted, Mecklenburg County11,969
- Of those, single family, Mecklenburg County6,496
- County product, 2024, Mecklenburg County$186,113,840,000
- County product change over the prior year, Mecklenburg County7.0 percent
- Average income of an arriving household, Mecklenburg County$86,702
Every figure in this section is published for Mecklenburg County as a whole and is not a measurement of Charlotte. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
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. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Charlotte questions, answered from the record.
How many people live in Charlotte, North Carolina?
903,844, in 368,788 households. Charlotte city covers 311.60 square miles of land, which is 2,901 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?
Mecklenburg 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?
$82,068. The median owner-occupied home is valued at $385,700. Median gross rent is $1,612 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?
1,224 7(a) approvals totalling $827.6 m, across 118 lenders, median approval $312,000, plus 229 504 approvals worth $214.4 m. 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?
Of the 222 loans that have reached a final outcome, 206 were paid in full and 16 charged off, a charge off rate of 7.2 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Charlotte in the National Flood Insurance Program?
Yes. Charlotte appears in the FEMA Community Status Book as community 370159, carrying Community Rating System class 2, which is a premium discount for exceeding the programme minimum. 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 labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Mecklenburg 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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