Town in Atascosa County, part of the San Antonio metro

Living in Charlotte, TX

F

700th of 745Texas towns of 1,000 to 10,000 people
Overall score 6 of 100
51st of 54 in the San Antonio area

Charlotte gets an overall grade of F and ranks 700th of 745 Texas towns of 1,000 to 10,000 people. It does best on home ownership and cost of living, and trails on internet access and education levels.

  • Jobs and income scores low (6 of 100)
  • Schools scores low (18 of 100)
Map of Texas showing where Charlotte isHoustonDallasAustinFort WorthCharlotte
Where Charlotte is in Texas.
Population
1,653+8.3% since 2020
Median rent
No data
Median home value
$86,90069% lower than Texas
Household income
$28,955Median
Average commute
24 minOne way
Violent crime
No dataNo full-year report

What it's like to live in Charlotte

Charlotte sits about 43 miles from downtown San Antonio, in the San Antonio-New Braunfels metro. 1,653 people lived here in 2025, up 8.3% from 2020. It is spread out.

Places locals use include Charlotte Public Library and Davenport Park.

The median age is 37.8, 41% of households have children, 90% of homes are owned by the people living in them and the typical household earns $28,955 a year (63% lower than the Texas median).

Pros of living in Charlotte

No clear standouts in our data.

Cons of living in Charlotte

  • Weaker school ratings. Only 33% of the 3 rated campuses earn an A or B from the state.
  • Higher poverty. 36% of people live below the poverty line, against 14% across Texas.
  • Many adults uninsured. 34% of adults 18 to 64 have no health insurance, against 20% statewide.
  • Long, hot summers. Expect about 144 days a year at 90°F or hotter.
  • Spotty home internet. Only 71% of homes have a broadband plan.

Who Charlotte suits

  • FamiliesNot the best fit: 33% of rated schools earn an A or B. Compared with similar Texas places, it beats 25% for families.
  • Young professionalsNot the best fit: household income is 63% lower than the Texas median, with 7 restaurants and 1 cafe in town. Compared with similar Texas places, it beats 8% for young professionals.
  • Remote workersNot the best fit: 71% of homes have broadband. Compared with similar Texas places, it beats 10% for remote workers.
  • People on a budgetA reasonable fit. Compared with similar Texas places, it beats 53% for people on a budget.

Charlotte report card

Ten grades, one for each part of daily life we measure. Most compare Charlotte with other US towns of 1,000 to 10,000 people. Schools, safety and errands compare it with other Texas towns of 1,000 to 10,000 people.

  • Cost of living: grade B

    Homes cost 3.0x income.

    65 of 100 vs US towns

  • Jobs and income: grade F

    Median household income $28,955, 5.8% unemployed.

    6 of 100 vs US towns

  • Schools: grade D

    3 rated campuses, 33% rated A or B.

    18 of 100 vs TX towns

  • Safety: no grade

    No full year of crime data from local police.

    No score vs TX towns

  • Errands and things to do: no grade

    1 grocery store, 7 restaurants, 2 parks mapped in town.

    No score vs TX towns

  • Getting around: grade D

    Average commute 24 min, 0% work from home.

    23 of 100 vs US towns

  • Education levels: grade F

    12% have a bachelor’s degree.

    6 of 100 vs US towns

  • Health: grade D-

    34% of adults uninsured.

    14 of 100 vs US towns

  • Home ownership: grade B

    90% of homes owner-occupied.

    68 of 100 vs US towns

  • Internet access: grade F

    71% of homes have broadband.

    3 of 100 vs US towns

Where Charlotte stands out compared with Texas

Better than Texas

  • Homes owned by the people living in them: 90%28 points higher than Texas (63%)
  • Renters paying 30%+ of income on rent: 38%13 points lower than Texas (52%)
  • Home value to income: 3.0x17% lower than Texas (3.6x)

Worse than Texas

  • Median household income: $28,95563% lower than Texas ($78,476)
  • People below the poverty line: 36%23 points higher than Texas (14%)
  • Adults with a bachelor's degree or higher: 12%21 points lower than Texas (34%)

Cost of living in Charlotte

HUD sets fair market rents for this area at $982 for a one-bedroom, $1,069 for a two-bedroom and $1,404 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $86,900, 69% lower than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $476 before tax, or $614 with property tax.

Texas has no state income tax, but it leans on property taxes instead, though they are lighter here than in much of the state. The median homeowner in Charlotte pays $1,663 a year, 61% lower than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

Typical rent by apartment size

Fair market rent by bedroom count in CharlotteStudio$8181 bedroom$9822 bedrooms$1,0693 bedrooms$1,4044 bedrooms$1,405
HUD fair market rent for FY2027, Atascosa County, TX HUD Metro FMR Area. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median home value69% lower than Texas$86,900$283,800$332,700
Home value to income17% lower than Texas3.0x3.6x4.1x
Renters paying 30%+ of income on rent13 points lower than Texas38%52%51%
Median property tax per year61% lower than Texas$1,663$4,232$3,119
Homes owned by the people living in them28 points higher than Texas90%63%65%
Median year homes were builtAbout the same as Texas198019921980

Monthly cost to buy a median home

$614
Mortgage payment
$476
Property tax
$139

Based on a $86,900 home in Charlotte, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.

Schools in Charlotte

Charlotte has 3 public school campuses with a 2025 state rating inside the city, and 33% of them earn an A or B. Most students here are served by Charlotte ISD.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
18
of 100 vs Texas towns
Average rating
73
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • BCharlotte ElementaryElementary, Charlotte ISD84 of 100
  • DCharlotte MiddleMiddle, Charlotte ISD69 of 100
  • DCharlotte High SchoolHigh, Charlotte ISD67 of 100

Daily life in Charlotte

Everyday places mapped inside Charlotte, from Overture Maps. Well-known spots include Charlotte Public Library, Davenport Park.

The average one-way commute is 24 minutes, 10% shorter than the Texas average. 0% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

Downtown San Antonio is about 43 miles away in a straight line. Many people who live in Charlotte work elsewhere in the metro, so test the drive at rush hour before you commit.

The median household income is $28,955, income per person is $18,983, unemployment is 5.8% and 12% of adults hold a bachelor's degree.

Grocery stores
1
Pharmacies
0
Restaurants
7
Cafes
1
Bars
1
Parks
2
Gyms
1
Hospitals and urgent care
0
Childcare
0
Libraries
1

Jobs, income and education

MeasureHereTexasUS
Median household income63% lower than Texas$28,955$78,476$80,734
Income per person53% lower than Texas$18,983$40,752$44,673
Unemployment rateAbout the same as Texas5.8%5.3%5.2%
People below the poverty line23 points higher than Texas36%14%12%
Adults with a bachelor's degree or higher21 points lower than Texas12%34%36%
Adults with a high school diploma or higher19 points lower than Texas67%86%90%
Adults 18 to 64 without health insurance15 points higher than Texas34%20%11%
Homes with broadband internet20 points lower than Texas71%91%91%

Getting to work

MeasureHereTexasUS
Average commute10% lower than Texas24 min27 min26 min
Workers who work from home14 points lower than Texas0%14%15%
Workers who work from home0%
Workers who take transit0%
Workers who walk0%
Workers who bike0%

Who lives in Charlotte

Under 1824%
18 to 3422%
35 to 6431%
65 and over24%

Median age 37.8 years. 41% of households have children.

Race and ethnicity
White6.3%
Hispanic or Latino94%
Black0%
Asian0%
Other or more than one race0%

Shown for information only. It is never part of any grade.

Weather in Charlotte

Charlotte has a hot Texas climate. July highs average 99°F and January lows about 42°F. There are about 144 days a year at 90°F or above, and about 27 inches of rain a year.

Average monthly high and low temperatures in Charlotte40°60°80°100°69J74F79M86A91M96J98J100A94S87O78N70DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Charlotte 5 Nnw, 6 mi away. Orange months average 90°F or more.

Natural hazard risk

    Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

    Places near Charlotte

    Nearby, Jourdanton gets a C-, Poteet gets a C and Pleasanton gets a C. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

    1. C-JourdantonTown, 4,407 people10 mi
    2. CPoteetTown, 2,910 people14 mi
    3. CPleasantonSmall city, 11,011 people15 mi
    4. FBigfootTown, 1,067 people17 mi
    5. D-DevineTown, 4,476 people23 mi
    6. D+PearsallTown, 9,045 people25 mi

    Charlotte in the San Antonio area

    How it ranks among 54 places in the metro.

    1. 1A+Cross Mountain3,752 people16 mito downtown
    2. 2A+Shavano Park3,670 people9 mito downtown
    3. 3A+Hollywood Park3,143 people10 mito downtown
    4. 48D-Von Ormy1,142 people15 mito downtown
    5. 49D-Sandy Oaks5,396 people21 mito downtown
    6. 50FLakehills6,130 people28 mito downtown
    7. 51FCharlotte1,466 people43 mito downtown
    8. 52FBalcones Heights2,715 people2 mito downtown
    9. 53FElmendorf2,389 people19 mito downtown
    10. 54FLake Medina Shores1,411 people30 mito downtown

    See all of the best suburbs of san antonio

    Living in Charlotte: common questions

    Is Charlotte, TX a good place to live?

    Charlotte gets an overall grade of F and ranks 700th of 745 Texas towns of 1,000 to 10,000 people. It does best on home ownership and cost of living, and trails on internet access and education levels.

    How much does it cost to live in Charlotte?

    The median home is worth $86,900, 69% lower than the Texas median. A median home costs 3.0x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $614, including property tax.

    Are the schools good in Charlotte?

    We found 3 rated public school campuses inside Charlotte. 33% are rated A or B by the Texas Education Agency. Its schools score is 18 of 100 compared with other Texas towns of 1,000 to 10,000 people.

    What is the weather like in Charlotte?

    Summers in Charlotte peak at about 99°F in July, and January nights fall to about 42°F. Expect around 144 days a year at 90°F or hotter, and 27 inches of rain.

    How long is the commute in Charlotte?

    The average one-way commute is 24 min, 10% lower than the Texas average. About 0% of workers work from home. It is about 43 miles from downtown San Antonio.

    Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.