The Town FilesCharlotte Hall, Maryland
Community in St. Mary's County · population 1,388 (2020 Census)
- Median home
- $367,800
- Household income
- $84,271
- Jan low / Jul high
- 25° / 85°
- Snow a year
- 15 in
- Tornadoes ≤10 mi since 1950
- 18
- Median age
- 49.7
Charlotte Hall is a community of 1,388 people in St. Mary's County, Maryland. The median home is worth $367,800, below the typical Maryland town ($412,300). It ranks easier by car than 100% of Maryland towns, better for families than 80% of Maryland towns, better for cycling than 78% of Maryland towns.
How Charlotte Hall ranks
Percentile among Maryland towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Maryland towns.
Homes and cost of living
The median home in Charlotte Hall is worth $367,800, below the typical Maryland town ($412,300). Homes cost about 4.4 times the median household income of $84,271, which is more affordable than 28% of Maryland towns. Median rent is $943 a month. 58.9% of households own their home.
| Housing | Charlotte Hall | Typical Maryland town |
|---|---|---|
| Median home value | $367,800 | $412,300 |
| Median rent | $943 | $1,748 |
| Median household income | $84,271 | $108,677 |
| Home value ÷ income | 4.4× | 3.8× |
| Homeownership | 58.9% | 77.3% |
| Median year built | 1970 | 1980 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in Charlotte Hall
| People | Charlotte Hall | Typical Maryland town |
|---|---|---|
| Median age | 49.7 | 40.2 |
| Age 65 and over | 28.7% | 16.4% |
| Under 18 | 22.8% | — |
| Bachelor's degree or higher | 33.8% | 39.4% |
| Below the poverty line | 20.3% | 7.1% |
| Veterans | 11.7% | — |
| Born outside the U.S. | 9.0% | — |
| Work from home | 5.4% | 17.4% |
| Average commute | 32.1 min | 31.4 min |
| Homes with broadband | 91.5% | 94.3% |
Weather in Charlotte Hall
July highs average 85.3°F and January lows 24.8°F. About 48.1 inches of rain and melted snow fall a year, with 15.1 inches of snow (typical Maryland town: 15.9 in). Expect about 16 days a year at 90°F or hotter and 98 nights at or below freezing.
Tornadoes, storms and disasters
18 tornadoes have passed within 10 miles of Charlotte Hall since 1950, compared with 18 for the typical Maryland town. 2 rated (E)F2 or stronger. The strongest, an F4, struck on April 28, 2002 about 3.8 miles from the town center and killed 1. Tornadoes within 10 miles have caused 3 deaths and 126 injuries since 1950. The most recent was on June 22, 2026.
Hail of 1 inch or larger has been reported within 10 miles 28 times; the largest was 2.75 inches on April 28, 2002.
Severe weather in St. Mary's County since 1996
St. Mary's County has been included in 18 federal disaster or emergency declarations since 1953, most often for hurricane, snowstorm, biological.
| Declared | Incident | Declaration |
|---|---|---|
| January 24, 2026 | Winter Storm | EM-3634: Severe Winter Storm |
| February 4, 2021 | Hurricane | DR-4583: Tropical Storm Isaias |
| March 26, 2020 | Biological | DR-4491: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3430: Covid-19 |
| November 20, 2012 | Hurricane | DR-4091: Hurricane Sandy |
Jobs and pay in St. Mary's County
St. Mary's County had 49,113 jobs in 2024, paying an average of $85,381 a year. Unemployment was 2% in 2023; in Charlotte Hall itself the ACS puts it at 4.9%.
Towns near Charlotte Hall
- Mechanicsville, MD3.4 mi · 1,673 people · home $416,100
- Golden Beach, MD4.7 mi · 3,651 people · home $382,700
- Hughesville, MD4.8 mi · 2,438 people · home $489,100
- Bryantown, MD6.4 mi · 653 people · home $517,600
- Aquasco, MD9.7 mi · 913 people · home $531,300
- La Plata, MD11.4 mi · 10,159 people · home $428,400
- Prince Frederick, MD11.8 mi · 3,226 people · home $404,400
- Waldorf, MD12.2 mi · 81,410 people · home $407,600
Charlotte Hall questions
Is Charlotte Hall, Maryland a good place to retire?
On The Town Files lifestyle rankings, Charlotte Hall scores better for retirees than 63% of Maryland towns and quieter than 72%. 28.7% of residents are 65 or older (median age 49.7).
How much does a house cost in Charlotte Hall?
The median owner-occupied home in Charlotte Hall is valued at $367,800 (Census ACS 2020–2024), against a median household income of $84,271, so homes cost about 4.4 times income. Median rent is $943 a month.
What is the weather like in Charlotte Hall?
July highs average 85.3°F and January lows 24.8°F (NOAA 1991–2020 normals). It gets about 48.1 inches of precipitation a year and 15.1 inches of snow.
Does Charlotte Hall get tornadoes?
18 tornadoes have passed within 10 miles of Charlotte Hall since 1950 (NOAA Storm Events); the strongest was a F4 on April 28, 2002. The typical Maryland town has had 18.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)