The Town FilesCharlotte, New York
Town in Chautauqua County · population 1,527 (2020 Census)
- Median home
- $107,500
- Household income
- $61,082
- Jan low / Jul high
- 21° / 81°
- Snow a year
- 124 in
- Tornadoes ≤10 mi since 1950
- 4
- Median age
- 45.8
Charlotte is a town of 1,527 people in Chautauqua County, New York. The median home is worth $107,500, below the typical New York town ($217,700). It ranks quieter than 93% of New York towns, better for a vacation home than 79% of New York towns, better for families than 72% of New York towns.
How Charlotte ranks
Percentile among New York towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of New York towns.
Homes and cost of living
The median home in Charlotte is worth $107,500, below the typical New York town ($217,700). Homes cost about 1.8 times the median household income of $61,082, which is more affordable than 91% of New York towns. Median rent is $648 a month. 80.7% of households own their home.
| Housing | Charlotte | Typical New York town |
|---|---|---|
| Median home value | $107,500 | $217,700 |
| Median rent | $648 | $1,080 |
| Median household income | $61,082 | $80,740 |
| Home value ÷ income | 1.8× | 2.8× |
| Homeownership | 80.7% | 79.5% |
| Median year built | 1966 | 1965 |
| Seasonal / vacation homes | 9.4% | — |
Who lives in Charlotte
| People | Charlotte | Typical New York town |
|---|---|---|
| Median age | 45.8 | 43.5 |
| Age 65 and over | 25.8% | 20.4% |
| Under 18 | 21.1% | — |
| Bachelor's degree or higher | 15.2% | 30.4% |
| Below the poverty line | 11.7% | 9.3% |
| Veterans | 11.4% | — |
| Born outside the U.S. | 1.6% | — |
| Work from home | 1.9% | 11.1% |
| Average commute | 30.1 min | 26.0 min |
| Homes with broadband | 80.1% | 91.1% |
Weather in Charlotte
July highs average 80.8°F and January lows 21.1°F. About 41.1 inches of rain and melted snow fall a year, with 123.8 inches of snow (typical New York town: 62.9 in). Expect about 3 days a year at 90°F or hotter and 113 nights at or below freezing.
Tornadoes, storms and disasters
4 tornadoes have passed within 10 miles of Charlotte since 1950, compared with 5 for the typical New York town. 3 rated (E)F2 or stronger. The strongest, an F3, struck on May 2, 1983 about 2.2 miles from the town center and killed 2. Tornadoes within 10 miles have caused 2 deaths and 1 injuries since 1950. The most recent was on July 10, 2024.
Severe weather in Chautauqua County since 1996
Chautauqua County has been included in 24 federal disaster or emergency declarations since 1953, most often for fire, flood, other.
| Declared | Incident | Declaration |
|---|---|---|
| November 20, 2022 | Winter Storm | EM-3589: Severe Winter Storm And Snowstorm |
| March 20, 2020 | Biological | DR-4480: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3434: Covid-19 |
| December 19, 2019 | Severe Storm | DR-4472: Severe Storms, Straight-Line Winds, And Flooding |
| December 22, 2014 | Snowstorm | DR-4204: Severe Winter Storm, Snowstorm, And Flooding |
Jobs and pay in Chautauqua County
Chautauqua County had 46,319 jobs in 2024, paying an average of $52,960 a year. Unemployment was 4.3% in 2023; in Charlotte itself the ACS puts it at 5.4%.
Towns near Charlotte
- Sinclairville, NY3.0 mi · 579 people · home $107,300
- Cassadaga, NY4.8 mi · 573 people · home $121,900
- Gerry, NY5.4 mi · 1,782 people · home $119,200
- Arkwright, NY5.8 mi · 1,008 people · home $170,900
- Cherry Creek, NY5.9 mi · 1,037 people · home $122,700
- Stockton, NY6.1 mi · 2,044 people · home $138,900
- Villenova, NY8.6 mi · 1,057 people · home $129,300
- Pomfret, NY8.6 mi · 13,035 people · home $185,400
Charlotte questions
Is Charlotte, New York a good place to retire?
On The Town Files lifestyle rankings, Charlotte scores better for retirees than 66% of New York towns and quieter than 93%. 25.8% of residents are 65 or older (median age 45.8).
How much does a house cost in Charlotte?
The median owner-occupied home in Charlotte is valued at $107,500 (Census ACS 2020–2024), against a median household income of $61,082, so homes cost about 1.8 times income. Median rent is $648 a month.
What is the weather like in Charlotte?
July highs average 80.8°F and January lows 21.1°F (NOAA 1991–2020 normals). It gets about 41.1 inches of precipitation a year and 123.8 inches of snow.
Does Charlotte get tornadoes?
4 tornadoes have passed within 10 miles of Charlotte since 1950 (NOAA Storm Events); the strongest was a F3 on May 2, 1983. The typical New York town has had 5.
- 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)