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Towns / Tennessee

Charlotte, Tennessee

Charlotte is a small town of about 1,600 people in Dickson County, Tennessee. It's the county seat. Its population has held about steady since 2020. A typical home costs about 4.3 years of the typical household's income, compared with 4.1 across the U.S. The nearest metro area of about a million people or more, Nashville, is about 31 miles away as the crow flies.

County seat

Population
1,647
down 1.1% since 2020
Typical home, 2020-24
$252,900
Dickson County prices up 13% since 2022
Household income
$58,750
U.S.: $80,734
Prices, Nashville area
96.3
U.S. average = 100
Emergency room
8 miles
Dickson, TN
To Nashville
31 mi
straight line

The book's checklist

  • Lower cost of livingEveryday prices run 3.7% below the U.S. average in the Nashville-Davidson--Murfreesboro--Franklin metro area.
  • More house for the moneyA typical home costs 4.3 years of the typical household's income here. Across the U.S. it's 4.1.
  • A safer neighborhoodThe FBI has no 2025 figures for Charlotte itself. Many small towns are patrolled by the county sheriff, so call the sheriff's office and ask what calls they get most.
  • Schools in town4 public schools: 1 elementary, 1 middle and 2 high schools.
  • A hospital close byTristar Horizon Medical Center in Dickson, about 8 miles away, has the nearest emergency room.
  • Within reach of a big cityNashville is about 31 miles away as the crow flies. The book suggests staying within about 60 miles if you'll miss big-city sports, concerts and theater.

A check means Charlotte meets the rule of thumb from Frank and Dave's book. An empty box isn't a deal breaker: it's something to weigh for your family. A question mark means there isn't enough data.

For a lifetime

Homes and money

Typical home value, as owners valued them in 2020-2024
$252,900U.S.: $332,700
Home prices since then
Up 13%Dickson County, 2022 to 2025
Typical rent, with utilities
$878 a monthU.S.: $1,413
Typical household income
$58,750U.S.: $80,734
Homes owned by the people living in them
81%U.S.: 65%
Typical property tax bill
$1,077 a yearTennessee: $1,442
Homes built before 1940
14%U.S.: 12%
Homes built since 2010
4%U.S.: 11%
Vacation and seasonal homes
1%U.S.: 3%
Everyday prices
96.3U.S. average = 100 (the Nashville-Davidson--Murfreesboro--Franklin metro area)

Home values and rents are what households told the Census Bureau across 2020 to 2024, so they trail today's market: county prices have moved up 13% since 2022. Everyday prices are the government's average for the Nashville-Davidson--Murfreesboro--Franklin metro area, not Charlotte alone. Check current listings before you budget.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates; Federal Housing Finance Agency, House Price Index for counties (all transactions); U.S. Bureau of Economic Analysis, Regional Price Parities, 2024.

The people

Population, 2025 estimate
1,6472020: 1,666
Median age
36.8 yearsU.S.: 38.9
Age 65 and older
15%U.S.: 17%
Under 18
23%U.S.: 22%
Adults with a bachelor's degree or more
15%U.S.: 36%
Moved here from another county or state in the past year
10%U.S.: 6%

Sources: U.S. Census Bureau, Population Estimates (Vintage 2025); U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Work

Biggest lines of work
Schools, health care and social services (22%); arts, recreation, lodging and restaurants (21%); professional and business services (10%)
Average commute
34 minutesU.S.: 26 minutes
Work from home
7%U.S.: 15%
Below the poverty line
12%U.S.: 12%

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Health care

Nearest emergency room: Tristar Horizon Medical Center, Dickson, TN, about 8 miles away. It's a general hospital. Medicare gives it 3 of 5 stars.

Look up doctors, clinics and the hospitals themselves on Medicare's Care Compare. Ask where the most serious cases are sent.

Sources: Centers for Medicare & Medicaid Services, Hospital General Information.

Schools

4 public schools in Charlotte, run by Dickson County.

See each school on the federal school search, then check test scores and graduation rates on Tennessee's school report card.

Sources: National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal); National Center for Education Statistics, IPEDS institution directory, 2024.

Internet

Homes with cable, fiber or DSL internet
69%U.S.: 76%
Homes with any internet subscription
82%U.S.: 91%

Before you buy, look up the address on the FCC's National Broadband Map to see which providers serve it.

Sources: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates.

Weather

January average low
26°F
July average high
85°F
Days 90°F or hotter
10 a year
Nights at or below freezing
104 a year
Rain and melted snow
54.1 inches a year
Snow
2 inches a year
Elevation
648 feet

Weather stations: Montgomery Bell Sp (7 miles away) and Dickson (8 miles away, rain and snow). Averages for 1991 to 2020.

Sources: NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020; U.S. Geological Survey, 3D Elevation Program.

Getting around

Straight-line miles. The road is always longer, and as the book says, an interstate at 70 is a different trip from a farm road at 45. Check the real drive: Tristar Horizon Medical Center, Clarksville, Nashville.

Dickson County is in a metro area of 1 million people or more (USDA rural-urban code 1, on a scale where 1 is the biggest metro areas and 9 the most rural counties).

For a day

5 places on the National Register of Historic Places, including the Charlotte Courthouse Square Historic District, the Leech-Larkins Farm, the Miller Family Farm and the Neblett Place Farm.

National Park Service sites within about an hour:

  • Natchez Trace Parkway23 miles
  • Fort Donelson National Battlefield34 miles
  • Stones River National Battlefield54 miles

Read about Charlotte's history on Wikipedia.

Know Charlotte?

Tell us what a visitor shouldn't miss, and what living there is really like. Write to Main Street at mainstreet@smalltownguide.com. The best notes from people who know the town will be added here.

Nearby

Straight-line miles.

Small towns

Smaller places

  • Vanleer, TN609 people, 7 miles
  • Slayden, TN186 people, 10 miles

Sources

  1. U.S. Census Bureau, Population Estimates (Vintage 2025)
  2. U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates
  3. Federal Housing Finance Agency, House Price Index for counties (all transactions)
  4. U.S. Bureau of Economic Analysis, Regional Price Parities, 2024
  5. FBI, Crime in the United States, Table 8 (offenses known to law enforcement by city)
  6. Centers for Medicare & Medicaid Services, Hospital General Information
  7. National Center for Education Statistics, Common Core of Data, 2023-24 (via the Urban Institute Education Data Portal)
  8. National Center for Education Statistics, IPEDS institution directory, 2024
  9. NOAA National Centers for Environmental Information, U.S. Climate Normals 1991-2020
  10. U.S. Geological Survey, 3D Elevation Program
  11. National Park Service, National Register of Historic Places listings
  12. National Park Service, park unit boundaries
  13. USDA Economic Research Service, Rural-Urban Continuum Codes, 2023
  14. U.S. Census Bureau, 2025 Gazetteer files and 2020 urban areas

Census survey figures are estimates with a margin of error; we leave out any figure whose margin is too wide to be useful. Data last gathered October 5, 2026. See something wrong? Write to mainstreet@smalltownguide.com.