HomeWest VirginiaJefferson CountyCharles Town
Charles Town, West Virginia: commercial real estate data.
Charles Town is a Census city of 7,337 people across 5.87 square miles of land, in Jefferson County. Median household income is $89,263, 74.5 percent of occupied homes are owned, and the SBA record carries 16 7(a) approvals to borrowers here worth $10.7 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Charles Town
What Charles Town is
- Census place typecity
- Land area5.87 sq mi
- Water area0 sq mi
- Population per square mile of land1,251
- County holding the largest share of its areaJefferson 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.
Charles Town
How many people live in Charles Town
- Population7,337
- Median age38.5
- Population under 181,771
- Share under 1824.1 percent
- Population 65 and over966
- Share 65 and over13.2 percent
- Households2,799
- Family households1,872
- Share of households that are families66.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles Town
Income and work in Charles Town
- Median household income$89,263
- Per capita income$44,136
- Civilian labor force4,074
- Employed3,832
- Unemployed242 plus or minus 138
- Unemployment rate5.9 percent plus or minus 3.4
- Adults 25 and over5,269
- Adults 25 and over with a high school diploma or higher89.0 percent
- Adults 25 and over with a bachelor degree or higher36.1 percent
- Adults 25 and over with a graduate degree13.1 percent plus or minus 3.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles Town
Housing in Charles Town
- Housing units3,033
- Occupied units2,799
- Vacant units234 plus or minus 129
- Vacancy rate7.7 percent plus or minus 4.2
- Owner occupied2,086
- Renter occupied713 plus or minus 181
- Ownership rate74.5 percent
- Median owner-occupied home value$377,700
- Median gross rent, monthly$1,115
- Annual rent as a share of median income15.0 percent
- Single family units2,500
- Share single family82.4 percent
- Units in buildings of two or more529 plus or minus 186
- Share in buildings of two or more17.4 percent plus or minus 5.9
- Mobile homes4 plus or minus 7
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles Town
How Charles Town gets to work
- Workers 16 and over who commute3,009
- Commuting under 15 minutes888 plus or minus 198
- Share commuting under 15 minutes29.5 percent plus or minus 6.0
- Commuting 30 minutes or more1,816
- Share commuting 30 minutes or more60.4 percent
- Drove alone65.9 percent
- Carpooled10.1 percent plus or minus 4.1
- Public transport0.5 percent plus or minus 0.6
- Walked1.2 percent plus or minus 1.0
- Worked from home20.7 percent plus or minus 5.1
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Charles Town
SBA loans in Charles Town (7(a))
- Approvals16
- Gross approval$10,735,500
- Average approval$670,969
- Median approval$140,000
- Largest approval$3,856,000
- Jobs supported129
- Jobs per approval8.1
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more18.8 percent
- Share to franchises12.5 percent
- Distinct lenders9
- Distinct industries by NAICS12
Counted by borrower city: approvals to borrowers whose address is in Charles Town, in any county, FY2020 to FY2026. Only 3 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.
Charles Town
SBA loans in Charles Town (504)
- Approvals1
- Gross approval$420,000
- Average approval$420,000
- Median approval$420,000
- Largest approval$420,000
- Jobs supported4
- Loans with a final outcome0
- Charged off0
- Median term300 months
- Distinct CDCs1
Counted by borrower city: approvals to borrowers whose address is in Charles Town, in any county, FY2010 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, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Charles Town
Flood risk in Charles Town
- NFIP communityCity of Charles Town
- NFIP community number540066
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/27/26(>)
The City of Charles Town participates in the National Flood Insurance Program as community 540066 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.
Jefferson County, not Charles Town
Jefferson County context, not Charles Town figures
- Establishments in Jefferson County976
- Covered employment, Jefferson County17,087
- Average annual pay, Jefferson County$61,812
- Housing units permitted, Jefferson County990
Every figure in this section is published for Jefferson County as a whole and is not a measurement of Charles Town.
All Jefferson County figures →
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
Charles Town questions, answered from the record.
How many people live in Charles Town, West Virginia?
7,337, in 2,799 households. Charles Town city covers 5.87 square miles of land, which is 1,251 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Charles Town in?
Jefferson 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 Charles Town?
$89,263. The median owner-occupied home is valued at $377,700. Median gross rent is $1,115 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Charles Town businesses?
16 7(a) approvals totaling $10.7 m since FY2020, across 9 lenders, median approval $140,000, plus 1 504 approvals worth $420,000 since FY2010. These count approvals to borrowers whose address is in Charles Town, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Charles Town borrowers get paid back?
No rate is published for Charles Town. Only 3 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 Charles Town in the National Flood Insurance Program?
Yes. Charles Town appears in the FEMA Community Status Book as Charles Town, city of, community 540066, 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 Charles Town figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Jefferson 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 Charles Town.
Is zoning published for Charles Town?
No. Nothing on this page presents parcel level zoning.
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