Charlotte County, Florida: commercial real estate data.
Charlotte County, Florida has a population of 201,064 across 680 square miles, up 13.5 percent since the 2020 census base. County output reached $9.77 bn in 2024, 4,601 establishments operate here, and the SBA record carries 211 7(a) approvals worth $135.1 m.
129 sourced county values · tier FULL · 12 sections
Charlotte County
How many people live in Charlotte County
- Population201,064
- Households90,542
- Average household size2.22
- Median household income$69,952
- Median age59.9
- Median gross rent$1,464 per month
- Median owner-occupied home value$328,900
- Home value to household income4.7 times
- Annual rent as a share of median income25.1 percent
- Adults 25 and over with a bachelor degree or higher27.1 percent
- Adults 25 and over with a graduate degree10.7 percent
- Adults 25 and over167,479
- Population under 1823,648
- Share under 1811.8 percent
- Population 65 and over81,528
- Share 65 and over40.5 percent
- Working age population, 18 to 6495,888
- Civilian labor force77,979
- Unemployment rate5.4 percent
- Labor force participation, adults 18 and over44.0 percent
- Rank by population among Florida counties28th of 67
- Rank by population among US county-equivalents347th
Charlotte County is the 28th largest of 67 Florida counties by population. A median home costs 4.7 times median household income, which is an affordable ownership market by national standards. Residents 65 and over outnumber those under 18, at 40.5 percent against 11.8 percent, which points demand at health care, services and single storey product rather than schools.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Charlotte County
Is Charlotte County growing
- Population change since the 2020 census base13.54 percent
- Census 2020 base population186,824
- Births, 20241,040
- Deaths, 20243,221
- Natural change, 2024-2,181
- Net domestic migration, 20245,981
- Net international migration, 20241,263
- Total net migration, 20247,244
- Cumulative net domestic migration, 2021 to 202429,739
- Rank by growth among US county-equivalents80th
The county has grown 13.54 percent since the 2020 census base. Deaths exceeded births in 2024, so all of the growth came from people moving in. A market held up by migration alone is more sensitive to a change in relative cost than one growing from household formation.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
Charlotte County
Where people moving to Charlotte County come from
- Tax returns filed by households arriving10,664
- People arriving, from those returns18,754
- Adjusted gross income arriving$1.26 bn
- Net adjusted gross income movement$0
- Average income of an arriving household$118,170
- Largest single originCharlotte County Non-migrants (75,512 households)
- Largest single destination (75,512 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| Charlotte County Non-migrants | 75,512 | 134,872 | $6.32 bn |
| Other flows - Different State | 4,224 | 7,595 | $646.7 m |
| Other flows - Midwest | 1,519 | 2,751 | $263.1 m |
| Sarasota County | 1,482 | 2,647 | $91.3 m |
| Other flows - South | 1,224 | 2,224 | $190.7 m |
| Other flows - Northeast | 960 | 1,691 | $123.7 m |
| Lee County | 952 | 1,710 | $87.3 m |
| Other flows - West | 521 | 929 | $69.2 m |
The largest single source of arrivals is Charlotte County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Charlotte County
What the Charlotte County economy runs on
- County GDP, 2024$9.77 bn
- County GDP, 2023$9.04 bn
- GDP change, 2023 to 20248.0 percent
- GDP change over five years50.1 percent
- Rank by GDP among Florida counties29th
- Rank by GDP among US county-equivalents451st
- GDP per resident$48,591
Output grew 8.0 percent in the latest year and 50.1 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
Charlotte County
Who employs people in Charlotte County
- Covered employment, annual average56,024
- Establishments reporting5,918
- Average annual pay$54,082
- Average weekly wage$1,040
- Sector 44-45, employment10,063
- Sector 44-45, average annual pay$37,458
- Sector 62, employment9,874
- Sector 62, average annual pay$67,892
- Sector 72, employment7,682
- Sector 72, average annual pay$29,917
- Sector 23, employment5,465
- Sector 23, average annual pay$58,352
- Sector 54, employment3,033
- Sector 56, employment2,647
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 10,063 | 659 | $37,458 |
| Sector 62 | 9,874 | 630 | $67,892 |
| Sector 72 | 7,682 | 389 | $29,917 |
| Sector 23 | 5,465 | 957 | $58,352 |
| Sector 54 | 3,033 | 716 | $89,094 |
| Sector 56 | 2,647 | 499 | $50,889 |
| Sector 81 | 1,966 | 450 | $42,659 |
| Sector 48-49 | 1,558 | 115 | $59,759 |
The largest sector is the biggest private employer group at 10,063 jobs, 18.0 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
Charlotte County
What businesses operate in Charlotte County
- Establishments, all industries4,601
- Employment at those establishments44,163
- Annual payroll$2.10 bn
- Establishments per 1,000 residents22.9
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
Charlotte County
What is being built in Charlotte County
- Housing units authorised by permit, 20244,585
- Declared construction value permitted$1.31 bn
- Single family units authorised3,583
- Multifamily units authorised1,002
- Multifamily share of units21.9 percent
- Average declared value per unit$284,885
- Units authorised per 1,000 households50.6
Multifamily is 21.9 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
Charlotte County
How much SBA lending happens in Charlotte County
- 7(a) approvals recorded211
- 7(a) gross approval dollars$135.1 m
- Average 7(a) approval$640,260
- Median 7(a) approval$350,000
- 10th percentile approval$45,000
- 90th percentile approval$1,500,000
- Largest single approval$4,750,000
- Jobs reported supported, 7(a)2,349
- Jobs per approval11.1
- Distinct 7(a) lenders active70
- Distinct industries receiving approvals100
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer19.4 percent
- Loans on real estate terms41
- Loans on working capital terms, 120 months or shorter153
- Franchise loans32
- Franchise share of approvals15.2 percent
- Leading industry by approval countAll Other Specialty Trade Contractors (14)
- Most active lenderThe Huntington National Bank (27)
- 504 approvals recorded62
- 504 gross approval dollars$51.7 m
- Average 504 approval$833,129
- Median 504 approval$457,000
- Distinct CDCs active4
- 504 jobs per approval6.6
- 504 jobs per million dollars approved7.9
- Most active CDCFlorida Business Development Corporation (29)
- 7(a) share of SBA approvals77.3 percent
- Combined SBA approval dollars$186.7 m
The average approval of $640,260 sits well above the median of $350,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 19.4 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Charlotte County
Do SBA loans in Charlotte County get paid back
- Loans with a final outcome recorded31
- Paid in full28
- Charged off3
- Charge off rate on resolved loans9.7 percent
- Status: Paid in full28
- Status: Exempt from disclosure136
- Status: Cancelled27
- Status: Charged off3
- Status: Committed, not yet disbursed17
Of the 31 loans that have reached a final outcome, 9.7 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Charlotte County
Which parts of Charlotte County get the lending
- Places in the county with recorded lending9
- Port Charlotte, approvals98
- Punta Gorda, approvals79
- ENGLEWOOD, approvals20
- Rotonda West, approvals7
- Charlotte Harbor, approvals2
- BABCOCK RANCH, approvals2
| Place | Approvals | Gross approval dollars |
|---|---|---|
| Port Charlotte | 98 | $67,801,300 |
| Punta Gorda | 79 | $43,493,300 |
| ENGLEWOOD | 20 | $13,678,900 |
| Rotonda West | 7 | $5,661,400 |
| Charlotte Harbor | 2 | $1,309,600 |
| BABCOCK RANCH | 2 | $1,092,000 |
| Cape Coral | 1 | $1,500,000 |
| Puta Gorda | 1 | $150,000 |
Port Charlotte accounts for 98 approvals against 79 in Punta Gorda. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Charlotte County
How big is Charlotte County
- Land area680 sq mi
- Rank by land area among Florida counties36th of 67
- Width, east to west50.2 mi
- Height, north to south21.9 mi
- Geographies sharing a boundary4
- Residents per square mile of land296
- Establishments per square mile6.77
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Charlotte County
What hazards affect Charlotte County
- EPA radon zone predicted average indoor radon screening level less than 2 pCi/LZone 3
- Communities in the NFIP Community Status Book2
- Of those, participating in the NFIP2
- NFIP participation rate100.0 percent
- Best Community Rating System class in the county A lower CRS class is a larger flood insurance premium discount.Class 5
- Communities carrying a CRS class2
The EPA places the county in radon zone 3, a predicted average indoor radon screening level less than 2 pCi/L. The best Community Rating System class in the county is 5, which carries a flood insurance premium discount for properties in the participating community.
US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001. FEMA OpenFEMA, NFIP Community Status Book, Community Status Book, as retrieved.
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.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a Charlotte County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a Charlotte County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population201,064
- Households90,542
- Average household size2.22
- Median household income$69,952
- Median age59.9
Common questions
Charlotte County questions, answered from the record.
How many people live in Charlotte County, Florida?
201,064, in 90,542 households, ranking 28th of 67 Florida counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is Charlotte County growing?
The population has grown 13.54 percent since the 2020 census base. In 2024 there were 1,040 births against 3,221 deaths, with net migration of 7,244. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in Charlotte County?
$69,952. The median owner-occupied home is valued at $328,900, which is 4.7 times income, and median gross rent is $1,464 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in Charlotte County?
4,601 establishments, employing 44,163 people with an annual payroll of $2.10 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in Charlotte County?
Average annual pay is $54,082, or $1,040 a week, across 56,024 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in Charlotte County?
211 7(a) approvals totalling $135.1 m since FY2020, across 70 lenders, with a median approval of $350,000, plus 62 504 approvals worth $51.7 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in Charlotte County get paid back?
Of the 31 loans that have reached a final outcome, 28 were paid in full and 3 charged off, a charge off rate of 9.7 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in Charlotte County?
4,585 housing units were authorised by permit in 2024, with a declared construction value of $1.31 bn. Multifamily was 21.9 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for Charlotte County?
Zone 3, a predicted average indoor radon screening level less than 2 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to Charlotte County come from?
The largest single origin is Charlotte County Non-migrants, with 75,512 households. Arriving households report an average income of $118,170 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for Charlotte County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for Charlotte County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.