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CITY

Charter Oak

Iowa · 513 residents (2025 est.) · 0.513 sq mi
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The short version

Charter Oak has notably lower household income than the US average, with a median household income of $53,042. Population has held roughly steady since 2000. 8% of adults hold a bachelor's degree or higher, below the national rate of 36%. Median home value has more than doubled since 2000, reaching $77,700. Households here earn about 29% less than the Iowa median.

At a glance
Lower income
below the US median
US median: $82,259
Older
median age 43.4
US median: 38.9
Less educated
8% hold a bachelor's degree
US average: 36%
Stable housing
home values roughly flat, inflation adjusted
US median home: $376,019
Section 01

Population & growth

Total population
580
+9%since 2000
from 530 in 2000
1990 – 2025
Population density
1,131 / sq mi
+9%since 2000
from 1,033 / sq mi in 2000
US average: 281
Median age
43.4
+2%since 2000
from 42.5 in 2000
US average: 38.9

PEP 2025 EST:513 residents (Census Bureau Vintage 2025, released March 2026)

Population, 1990 – 2024
3954635315996671990201020202024Charter Oak
2024580
1990201020202024
Section 02

Income & economy

Median household income
$53,042
−13%inflation adjusted, since 2000
from $33,482 in 2000
US average: $82,259
1990 – 2024
Per capita income
$24,678
+49%since 2000
from $16,583 in 2000
US average: $44,673
Households earning $100K+
23.6%
+6.7 ptssince 2009
from 16.9% in 2009
US average: 53.3%
Poverty rate
7.6%
+2.1 ptssince 2000
from 5.5% in 2000
US average: 12.5%
Income inequality (Gini)
0.309
−26%since 2010
from 0.417 in 2010
US average: 0.476
Workforce by industry, 2024
Transportation & warehousing19.6%
US avg: 2.2%
Finance & insurance19.1%
US avg: 5.9%
Professional, scientific, technical15.1%
US avg: 5.1%
Information13.6%
US avg: 10.8%
Other services10.6%
US avg: 6.7%
Public administration9%
US avg: 4.8%
Retail trade5.5%
US avg: 9.9%
Agriculture, forestry, fishing4%
US avg: 1.6%
Construction4%
US avg: 1.2%
Education & health services4%
US avg: 0.9%
Wholesale trade2%
US avg: 6.9%
Manufacturing0%
US avg: 0.4%
Arts, entertainment, food0%
US avg: 1.9%
BARS: THIS PLACE · TICKS: US AVERAGE
Section 03

Housing

Median home value
$77,700
+19%inflation adjusted, since 2000
from $35,700 in 2000
US average: $376,019
1990 – 2024
Median gross rent
$1,050
+65%inflation adjusted, since 2000
from $350 in 2000
US average: $1,442
Owner-occupied
63.7%
−18.3 ptssince 2000
from 82.0% in 2000
36.3% rent
Vacancy rate
1.7%
−8.1 ptssince 2009
from 9.7% in 2009
US average: 10.0%
Owner cost-burdened
14.6%
−4.0 ptssince 2009
from 18.6% in 2009
US average: 22.9%
Renter cost-burdened
47.7%
+4.3 ptssince 2009
from 43.3% in 2009
US average: 47.4%
Afford Score
1.5
+37%since 2000
from 1.1 in 2000
1990 – 2024
Gentrification Score
28
RELATED:See current rent listings in Charter Oak on RentDataNow
Section 04

Race & ethnicity

2000
White, non-Hispanic99.4%(527)
Black0%(0)
Hispanic / Latino0.2%(1)
Asian0.4%(2)
Other0%
Diversity Score1.4%(7)
2024
White, non-Hispanic75%(435)
Black0%(0)
Hispanic / Latino21.6%(125)
Asian0%(0)
Other3.4%(20)
Diversity Score48.7%(283)
Diversity Score
49
+3359%since 2000
from 1 in 2000
1990 – 2024
Section 05

Education

Bachelor's degree or higher
7.6%
−7.0 ptssince 2000
from 14.6% in 2000
US average: 35.6%
High school or higher
94.6%
+15.4 ptssince 2000
from 79.2% in 2000
US average: 89.6%
Graduate degree
3.7%
+0.1 ptssince 2000
from 3.6% in 2000
US average: 14.0%
Section 06

Commute & transportation

Average commute
22.4 min
+83%since 2000
from 12.3 min in 2000
US average: 26.5
Drive alone to work
94.4%
+6.0 ptssince 2009
from 88.4% in 2009
US average: 68.9%
Carpooled to work
1.5%
−4.5 ptssince 2009
from 6.1% in 2009
US average: 8.5%
Public transit
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 3.2%
Worked from home
1.5%
+0.5 ptssince 2009
from 1.0% in 2009
US average: 15.0%
Walked to work
0.0%
−2.5 ptssince 2009
from 2.5% in 2009
US average: 2.4%
Biked to work
0.0%
Unchangedsince 2009
from 0.0% in 2009
US average: 0.4%
No vehicle available
4.6%
−1.0 ptssince 2009
from 5.6% in 2009
US average: 8.3%
Section 07

Work & employment

Unemployment rate
9.1%
+0.2 ptssince 2011
from 8.9% in 2011
US average: 5.2%
Labor force participation
51.0%
−17.3 ptssince 2011
from 68.3% in 2011
US average: 63.5%
Self-employed
7.5%
−4.2 ptssince 2009
from 11.7% in 2009
US average: 13.1%
Management & professional
18.1%
−44.3 ptssince 2009
from 62.4% in 2009
US average: 42.5%
Section 08

People & community

Male
50.7%
+9.5 ptssince 2009
from 41.2% in 2009
Female
49.3%
−9.5 ptssince 2009
from 58.8% in 2009
Foreign born
1.9%
+1.9 ptssince 2009
from 0.0% in 2009
US average: 14.1%
Veterans
12.3%
−29.9 ptssince 2009
from 42.3% in 2009
US average: 6.2%
With a disability
24.0%
+7.5 ptssince 2012
from 16.5% in 2012
US average: 13.3%
Uninsured
6.6%
−81.8 ptssince 2013
from 88.4% in 2013
US average: 8.4%
Broadband at home
83.1%
+13.3 ptssince 2017
from 69.8% in 2017
US average: 91.0%
English only at home
77.7%
−11.8 ptssince 2016
from 89.5% in 2016
US average: 77.7%
Spanish at home
21.2%
+10.9 ptssince 2016
from 10.3% in 2016
US average: 13.6%
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Compare Charter Oak to nearby cities

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CHARTER OAK VS
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CHARTER OAK VS
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CHARTER OAK VS
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Frequently asked

How many people live in Charter Oak, Iowa?

Charter Oak, Iowa has about 580 residents according to the 2024 American Community Survey.

What is the median household income in Charter Oak, Iowa?

The typical household in Charter Oak, Iowa earns about $53,042 a year. Half of households make more than that, and half make less.

Is Charter Oak, Iowa expensive?

In Charter Oak, Iowa, the median home is worth about $77,700, and the typical rent is about $1,050 a month.

How educated are people in Charter Oak, Iowa?

About 7.6% of adults age 25 and over in Charter Oak, Iowa hold a bachelor's degree or higher.

What is the poverty rate in Charter Oak, Iowa?

About 7.6% of people in Charter Oak, Iowa live below the federal poverty line.

Has Charter Oak, Iowa grown since 1990?

Yes, Charter Oak, Iowa has grown since 1990. The population has added about 104 residents, a change of about 22 percent over that period.

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DATA: US CENSUS BUREAU ACS 5-YEAR + DECENNIAL CENSUS · UPDATED 2024

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