The median home in Charlotte, Iowa is valued at $249,810, up 5.7% year over year. Charlotte is part of the Clinton, IA metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$249,810

+5.7%

Prices rising — worse for buyers.

Affordability

Enter your income for Charlotte.

Income (annual)

Down Payment

$49,962 on $249,810

Example: $75,000 household income. Change it above to see your own.

Affordable27.8% of income

Under the 28% guideline.

PITI$1,740

P/I27.8%

Afford$251K

Room+$1K

P&I $1,263Tax $327Ins $150

6.50% 30yr, 20% down, county tax + IA ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Iowa

Compare Charlotte with other housing markets across Iowa.

West Okoboji$794K Orleans$629K Wahpeton$550K Shueyville$525K Cumming$508K Panora$474K Honey Creek$441K Ackworth$437K

Full Clinton, IA analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Clinton, IA metro.

View Clinton, IA metro

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Charlotte, IA