Census-designated place · Montana
Charlo, Montana
Charlo, census-designated place, in Lake County, Montana. Charlo had 385 residents in the 2020 Census, a full count; the ACS 2020-2024 5-year estimates put it at 306 (±65). GEOID 3013900.
Residents, 2020 Census
385
Census count or controlled total
ACS 2020-2024 estimate: 306 ±65
Median household income
$40,469
±$6,684 (90% margin)
Montana: $72,509
Median home value
$210,800
±$73,303 (90% margin)
Montana: $375,800
Median gross rent
$843
±$86 (90% margin)
Montana: $1,081
Where is Charlo and what county is it in?
Charlo is a census-designated place: an unincorporated community the Census Bureau draws for counting, with no city government of its own, in Lake County, Montana. It covers 2.0 square miles of land, 193 residents per square mile in 2020.
Source: 2024 Gazetteer and 2020 place-by-county files, U.S. Census Bureau · Census reference files
How many people live in Charlo, and is it growing?
The 2020 Census counted 385 residents in Charlo, a full count rather than a sample. The 2020-2024 American Community Survey, a sample, estimates 306 (±65).
The Census Bureau publishes yearly population estimates for incorporated places only; Charlo is a census-designated place, so its figures come from the ACS and the 2020 Census.
| Measure | Charlo | Lake County | Change since 2015-2019 |
|---|---|---|---|
| Total population | 306 ±65 | 32,561 | no clear change |
| Households | 149 ±31 | 12,576 | no clear change |
| Average household size | 2.05 ±0.28 | 2.56 | no clear change |
| Housing units | 156 ±30 | 16,468 | no clear change |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); Census PEP Vintage 2025 (SUB-EST2025, CO-EST2025); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Charlo?
The median resident of Charlo is 55.5 years old. The largest group is non-Hispanic white residents at 84.0%, then Hispanic or Latino residents (of any race) at 6.9%.
| Measure | Charlo | Lake County | Change since 2015-2019 |
|---|---|---|---|
| Median age | 55.5 ±12.6 | 44.3 | no clear change |
| Under 18 years | 13.4% ±9.1 pts | 22.0% | – |
| 65 years and over | 30.7% ±10.4 pts | 24.2% | – |
| Male | 46.7% ±10.8 pts | 49.4% | – |
| Hispanic or Latino (any race) | 6.9% ±9.3 pts | 4.3% | – |
| White alone, not Hispanic | 84.0% ±11.2 pts | 64.6% | no clear change |
| Black or African American alone, not Hispanic | 0.0% ±9.3 pts | 0.2% | – |
| Asian alone, not Hispanic | 0.0% ±9.3 pts | 0.7% | – |
| American Indian and Alaska Native alone, not Hispanic | 5.9% ±4.5 pts | 19.6% | – |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±9.3 pts | 0.2% | – |
| Two or more races, not Hispanic | 3.3% ±3.5 pts | 10.2% | – |
| Some other race alone, not Hispanic | 0.0% ±9.3 pts | 0.3% | – |
| Born outside the United States | 2.3% ±2.4 pts | 2.3% | – |
| Speak a language other than English at home (age 5+) | 6.7% ±6.2 pts | 6.2% | – |
| Civilian veterans (age 18+) | 18.5% ±7.7 pts | 9.5% | – |
| With a disability | 26.1% ±10.6 pts | 15.7% | – |
| No health insurance coverage | 9.2% ±7.1 pts | 14.5% | – |
| High school graduate or higher (age 25+) | 93.4% ±4.5 pts | 92.9% | – |
| Bachelor's degree or higher (age 25+) | 15.6% ±8.3 pts | 31.5% | no clear change |
| Graduate or professional degree (age 25+) | 7.4% ±4.7 pts | 11.0% | – |
| Lived in the same house a year earlier | 77.5% ±13.8 pts | 89.7% | – |
| Moved from another state in the past year | 7.5% ±9.3 pts | 3.5% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Charlo earn?
Half of Charlo's 149 households earn less than $40,469 a year (±$6,684), against $63,360 in Lake County and $72,509 in Montana. In 2015-2019 it was $55,381 in 2024 dollars; the margins of error cannot tell the two periods apart. 17.3% of residents live below the poverty line.
| Measure | Charlo | Lake County | Change since 2015-2019 |
|---|---|---|---|
| Median household income | $40,469 ±$6,684 | $63,360 | no clear change |
| Mean household income | $55,266 ±$12,190 | $90,243 | – |
| Per capita income | $29,428 ±$5,483 | $36,177 | no clear change |
| People below the poverty line | 17.3% ±11.2 pts | 17.2% | – |
| Children under 18 below the poverty line | 41.5% ±39.1 pts | 23.0% | – |
| Households receiving SNAP | 24.2% ±12.8 pts | 10.7% | – |
| Households with a computer | 91.3% ±7.0 pts | 91.4% | – |
| Households with a broadband subscription | 78.5% ±10.6 pts | 84.8% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Charlo?
Owners occupy 67.8% of Charlo's occupied homes and renters 32.2%. The median owner-occupied home is valued at $210,800 by its owner (±$73,303). The median renter pays $843 a month including utilities, and 44.4% of renters pay 35% or more of their income on rent.
| Measure | Charlo | Lake County | Change since 2015-2019 |
|---|---|---|---|
| Median home value (owner-occupied) | $210,800 ±$73,303 | $421,800 | no clear change |
| Median gross rent | $843 ±$86 | $901 | no clear change |
| Renters paying 35% or more of income on rent | 44.4% ±26.7 pts | 34.4% | no clear change |
| Median monthly owner costs, with a mortgage | $1,302 ±$150 | $1,806 | – |
| Owner-occupied homes | 67.8% ±12.5 pts | 75.0% | no clear change |
| Renter-occupied homes | 32.2% ±12.5 pts | 25.0% | – |
| Housing units | 156 ±30 | 16,468 | no clear change |
| Homeowner vacancy rate | 0.0% ±25.3 pts | 1.1% | – |
| Rental vacancy rate | 0.0% ±41.1 pts | 4.7% | – |
| Single-family detached homes | 50.6% ±12.1 pts | 77.9% | – |
| Mobile homes | 40.4% ±13.1 pts | 10.0% | – |
| Built 2020 or later | 0.0% ±17.4 pts | 1.2% | – |
| Built 2010 to 2019 | 5.8% ±5.4 pts | 8.0% | – |
| Built 1939 or earlier | 17.9% ±10.6 pts | 9.7% | – |
| Households with no vehicle | 4.0% ±4.4 pts | 4.8% | – |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Charlo work and get to work?
69.9% of Charlo's workers drive alone. The average trip to work takes 31.0 minutes.
| Measure | Charlo | Lake County | Change since 2015-2019 |
|---|---|---|---|
| In the labor force (age 16+) | 55.8% ±11.4 pts | 55.3% | – |
| Unemployment rate | 4.0% ±5.7 pts | 5.7% | – |
| Drove alone to work | 69.9% ±19.1 pts | 69.4% | – |
| Carpooled | 10.3% ±9.7 pts | 12.4% | – |
| Public transportation | 0.0% ±19.7 pts | 0.2% | – |
| Walked | 0.0% ±19.7 pts | 2.9% | – |
| Worked from home | 19.9% ±19.3 pts | 13.2% | – |
| Mean travel time to work | 31.0 min ±6.7 | 22.9 min | +10.7 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What census tracts are in Charlo?
No census tract lies mostly in Charlo; 2 tracts reach into it (2020 census blocks).
| Tract | Residents, 2020-2024 | Median household income |
|---|---|---|
| Tract 9406Lake County | 4,692 | $56,821 |
| Tract 9405Lake County | 5,324 | $60,525 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 block assignment files (tract share = share of the tract's census blocks in Charlo) · Census block assignment files
How does Charlo compare with other places in Montana?
Charlo is not ranked by income or the other survey measures: those rankings include places of 1,000 or more residents (2020 Census) with a reliable estimate.
Charlo's figures with every place in Montana (CSV)
Every place in Montana, sortable · Compare Charlo with other places
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) and PEP Vintage 2025 · How ranks are computed
How reliable are the figures for Charlo?
23 of the 57 figures for Charlo on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
The American Community Survey samples about one household in eight over five years, so every figure is an estimate with a 90% margin of error (shown under each value). A ring marks an estimate whose coefficient of variation is over 40%. A change is called only when the gap between the two periods is larger than their combined 90% margin (the square root of the sum of the two squared margins), the Census Bureau's test. How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · ACS technical documentation
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections
Not on this page: crime, weather and schools for Charlo are other agencies' records. Crime: the FBI's Crime Data Explorer · climate: NOAA's U.S. Climate Normals · schools: the National Center for Education Statistics' school search.