ZIP Code 52731 — Charlotte city, IA Demographics & Data

ZIP code 52731 covers Charlotte, IA in Clinton County with a population of about 808.

At a glance, the area shows median age of 46.9 versus a U.S. median of about 38.9.

It sits in telephone area code 563; U.S. House district IA-1; the DAVENPORT - R. ISLAND - MOLINE media market.

Median household income in ZIP 52731 is about $92,153 — about 23% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.3%; unemployment rate near 8.6%; 11.9% of adults with a bachelor’s degree or higher (about 21.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Transportation; about 19.2% of workers reporting work-from-home (about 4.0 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $134,900 — about 61% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $580 (about 50% below the U.S. median rent ($1,163)), and owner-occupancy near 85.2% (about 19.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 52731 in Charlotte, IA, a household would need roughly $37,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $867. That sits below the local median household income ($92,153), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Charlotte city, IA as Relatively Low (composite score 64.8), which is near the middle of the national distribution. The strongest component scores on US5 are flood (66.9) and wildfire (50.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Charlotte city, IA show little to no average snow and around 36.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 46 for ZIP 52731 (Charlotte city, IA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.