Charlo, MT demographics:
population, income, and more

Total population
306
-11.1% year-over-year change
Median household income
$40,469/yr
3.5% year-over-year change
Housing units
156
-9.3% year-over-year change

Charlo population

How many people live in Charlo

Charlo is home to 306 residents, according to the most recent Census data. Gender-wise, 46.7% of Charlo locals are male, and 53.3% are female.

Total population
306
-11.1% year-over-year change
Gender ratio
Male
46.7%
143
Female
53.3%
163
Value Percent YoY change
Male 143 46.7% -16.4%
Female 163 53.3% -5.8%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Charlo is 56, with the population distributed as follows: about 11.1% are children under 15, then 5.2% are in the 15 to 24 age group. Adults between 25 and 44 make up 24.2% of the population, while another 28.8% fall into the 45 to 64 bracket. Finally, around 30.7% are 65 or older.

Median age
55.5
Age breakdown
Under 15
11.1%
15 to 24
5.2%
25 to 44
24.2%
45 to 64
28.8%
Over 65
30.7%
Value Percent YoY change
Under 15 34 11.1% -40.4%
15 to 24 16 5.2% -11.1%
25 to 44 74 24.2% -23.7%
45 to 64 88 28.8% 0.0%
Over 65 94 30.7% 11.9%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Charlo, 97.7% of the population are US-born citizens, while 2% have gained naturalized citizenship. At the same time, 0.3% of residents are non-citizens. There’s also a share of 10.1% that includes residents with two or more races.

Citizenship
U.S.-born citizens
97.7%
Non-U.S.-born citizens
2%
Non-citizens
0.3%
Value Percent YoY change
U.S.-born citizens 299 97.7% -11.5%
Non-U.S.-born citizens 6 2% 20.0%
Non-citizens 1 0.3% 0.0%
Racial breakdown
White
84%
Black or African American
0%
American Indian and Alaska Native
5.9%
Asian
0%
Native Hawaiian and other Pacific Islander
0%
Two or more races
10.1%
Other
0%
Value Percent
White 257 84%
American Indian and Alaska Native 18 5.9%
Two or more races 31 10.1%

Households in Charlo

A peek inside Charlo households

Charlo has 149 households, with an average of 2 members in each. Of these, 53% are families, while the remaining 47% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
149
0.0% year-over-year change
Average people per household
2
Non-family households
70
Family households
79
Value Percent YoY change
Non-family households 70 47% 6.1%
Family households 79 53% -4.8%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Charlo

The housing landscape of Charlo

Charlo's housing consists of 156 units, with 50.6% being detached single-family homes ideal for those wanting space. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 40.4% of the housing landscape.

Housing units
156
-9.3% year-over-year change
Housing types
Value Percent
1 unit, detached 79 50.6%
2 units 3 1.9%
3 or 4 units 11 7%
Mobile home 63 40.4%
Homes built since 2020
0
% year-over-year change

The age of buildings in Charlo

In Charlo, the median construction year is 1974. About 18% of homes were built before the 1940s, with another 7% going up by 1949. Most development happened in the second half of the 20th century.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 28 18% 21.7%
Built between 1940 and 1949 11 7% -8.3%
Built between 1950 and 1959 8 5.1% 14.3%
Built between 1960 and 1969 15 9.6% -21.1%
Built between 1970 and 1979 39 25% 5.4%
Built between 1980 and 1989 24 15.4% 20.0%
Built between 1990 and 1999 8 5.1% -60.0%
Built between 2000 and 2009 14 9% -54.8%
Built between 2010 and 2019 9 5.8% 200.0%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Charlo occupancy rates

Out of the 149 occupied housing units in Charlo, 67.8% are owner-occupied, while 32.2% are lived in by tenants. Meanwhile, 4.5% of all homes on the local market sit vacant.

Occupied housing units
149
0.0% year-over-year change
Occupancy breakdown
Renter occupied
48
Owner occupied
101
Value Percent YoY
change
Renter occupied 48 32.2% -14.3%
Owner occupied 101 67.8% 8.6%
Unoccupied housing units
4.5%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Charlo housing costs

Housing costs in Charlo come to a median of $700 per month, while tenants specifically pay a median gross rent of $843.

Median housing costs per month
$700/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Charlo
$843/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Charlo

Charlo education at a glance

About 40% of the population in Charlo went to high school, while 32.8% pursued college studies. Another 12.1% earned an associate degree and 7.9% hold a bachelor’s. Meanwhile, 7.2% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
High school diploma 106 40% -10.2%
College diploma 87 32.8% 10.1%
Associate degree 32 12.1% -13.5%
Bachelor's degree 21 7.9% -32.3%
Graduate degree 19 7.2% 35.7%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Charlo

How much people earn in Charlo

The average annual household income in Charlo was $55,266 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +5.9% change from the previous year. At the same time, the median income stood at $40,469, reflecting a +3.5% shift over the same period.

Average household income in Charlo
$55,266/year
5.9% year-over-year change
Median household income in Charlo
$40,469/year
3.5% year-over-year change

Charlo income by age

In Charlo, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $31,250. Overall, 82.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $31,250 -7.4%
Over 65 $50,000 -8.4%
Above poverty level
253
Below poverty level
53
Value Percent YoY
change
Above poverty level 253 82.7% -12.8%
Below poverty level 53 17.3% 10.4%

Average renter income in Charlo

To get a better sense of what renters earn on average in Charlo, their median household income was $30,313 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 33.4%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$30,313
Rent-to-income ratio
33.4%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Charlo

Workforce and job types in Charlo

The job market in Charlo is powered by 144 working residents, spread across a range of industries and roles. 77.1% of the working population are employed in professional or administrative positions, while 22.9% are in hands-on or service-based jobs. Also, 22.9% run their own businesses, 41% are employed by private companies, and 29.9% work in the public sector.

Workforce demographics

Working population
144
-11.1% year-over-year change
White collar
111
Blue collar
33
Value Percent YoY change
White collar 111 77.1% -5.9%
Blue collar 33 22.9% -25.0%
Employer type
Self employees
22.9%
Private companies
41%
Governmental workers
29.9%
Not for profit companies
6.2%
Value Percent YoY change
Self employees 33 22.9% 26.9%
Private companies 59 41% -25.3%
Governmental workers 43 29.9% 4.9%
Not for profit companies 9 6.2% -43.8%
Unemployment rate
4.0%
0.0% year-over-year change

Available workforce

The unemployment rate in Charlo stands at 4%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Charlo

How people get around in Charlo

Means of transportation
Value Percent YoY change
Car 109 80.2% -16.8%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Charlo by zipcode?

Zipcode Population Number of households Median income Average income
59824 1,526 596 $53,382 $80,959

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FAQs about Charlo demographics 

What is the total population of Charlo?

Charlo has a total population of 306 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -11.1% compared to a year ago.

What is the gender ratio in Charlo?

The gender ratio in Charlo is as follows:
  • 46.7% males (143 residents)
  • 53.3% females (163 residents)

What is the median age in Charlo?

The median age in Charlo is 55.5.

What is the age distribution of the population in Charlo?

The age distribution in Charlo is as follows:
  • Under 15: 11.1% (34 residents)
  • Ages 15-24: 5.2% (16 residents)
  • Ages 25-44: 24.2% (74 residents)
  • Ages 45-64: 28.8% (88 residents)
  • Over 65: 30.7% (94 residents)

What is the racial and ethnic makeup of Charlo?

The racial and ethnic makeup of Charlo is as follows:
  • White: 84% (257 residents)
  • Black or African American: 0% (0 residents)
  • American Indian and Alaska Native: 5.9% (18 residents)
  • Asian: 0% (0 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 10.1% (31 residents)
  • Other: 0% (0 residents)

What percentage of the population in Charlo are U.S.-born citizens?

U.S.-born citizens represent 97.7% of the population in Charlo.

How many housing units are there in Charlo?

There are 156 housing units in Charlo, reflecting a -9.3% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Charlo and what is the average household size?

Charlo has a total of 149 households, with an average of 2 people in each.

What is the median household income in Charlo?

Charlo has a median household income of $40,469, representing a +3.5% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Charlo?

The employment rate is 96% in Charlo, with a workforce of 144 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 77.1% (111 residents)
  • Blue-collar workers: 22.9% (33 residents)

Places of employment:
  • Self-employed: 22.9% (33 residents)
  • Private companies: 41% (59 residents)
  • Governmental workers: 29.9% (43 residents)
  • Not-for-profit companies: 6.2% (9 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025