52731 ZIP Code — Charlotte, IA

Clinton County, Iowa

ZIP code 52731 is located in Charlotte, Iowa, within Clinton County. It covers approximately 52.43 square miles and serves a population of 777 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 563.

About ZIP code 52731

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $141,800. Owner-occupancy is high at 85%, well above the national average.

Median household income is $84,519. The poverty rate of 7% is below the national average. 32% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is production, transportation, and material moving, with education and healthcare as the leading industry. The average commute of 26 minutes is near the national average.

College attainment at 11% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 52731 reflects a community defined by a trades-oriented workforce, high homeownership, and a significant Social Security-dependent population.

777

population

52.43

sq mi land

Standard

ZIP type

Central (CT)

timezone

52731 ZIP code map

Cities in ZIP code 52731

Below are the cities the US Postal Service accepts for ZIP code 52731. Using any city not on this list may result in mail delivery delays.

City	Status
Charlotte	Acceptable
Charlotte	Preferred

Nearby ZIP codes

52750 Goose Lake (4.6 mi) 52069 Preston (6.8 mi) 52037 Delmar (8.4 mi) 52742 De Witt (8.9 mi) 52732 Clinton (11.1 mi) 52064 Miles (12.6 mi) 52060 Maquoketa (14.2 mi) 52751 Grand Mound (14.8 mi) 52070 Sabula (14.9 mi) 52730 Camanche (15.1 mi) 52734 Clinton (16.2 mi) 52771 Teeds Grove (16.5 mi)

Demographics updated 05/2026

Population
Total population	777
Population density	15 / sq mi
State FIPS	19
County FIPS	045

Geography
Land area	52.43 sq mi
Water area	0.00 sq mi
Latitude	41.9660
Longitude	-90.4660
Timezone	Central (CT)
Area code	563

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.9%	47.2%	40.1%
$50k – $100k	48.3%	33.0%	33.4%
$100k – $200k	18.5%	17.5%	21.5%
Over $200k	0.3%	2.2%	5.0%

Demographics & statistics

777

Population

People per sq mi

47.4

Median age

$84,519

Median household income

$41,183

Per capita income

$141,800

Median home value

$883

Median monthly rent

84.8%

Home ownership

7.3%

Poverty rate

9.4%

Unemployment

297

Housing units

10.8%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	178	22.9%
18 and over	599	77.1%
65 and over	139	17.9%
Median age	47.4 years

Race & ethnicity

White 94.9%

Two or more races 2.3%

Black or African American 1%

Hispanic or Latino 0.6%

Other race 0.6%

American Indian / Alaska Native 0.5%

Group	Count	%
White	742	94.9%
Two or more races	18	2.3%
Black or African American	8	1%
Hispanic or Latino	5	0.6%
Other race	5	0.6%
American Indian / Alaska Native	4	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.9%	47.2%	40.1%
$50k – $100k	48.3%	33.0%	33.4%
$100k – $200k	18.5%	17.5%	21.5%
Over $200k	0.3%	2.2%	5.0%

$15k–$25k 3.4%

$25k–$35k 2.8%

$35k–$50k 14.2%

$50k–$75k 20.1%

$75k–$100k 18.0%

$100k–$150k 30.3%

$150k–$200k 7.1%

$200k+ 4.0%

Range	% of households
$15k–$25k	3.4%
$25k–$35k	2.8%
$35k–$50k	14.2%
$50k–$75k	20.1%
$75k–$100k	18.0%
$100k–$150k	30.3%
$150k–$200k	7.1%
$200k+	4.0%
Median income	$84,519

Housing

Home values

Under $50k 8.0%

$50k–$100k 21.5%

$100k–$150k 27.0%

$150k–$200k 25.5%

$200k–$300k 6.9%

$300k–$500k 10.9%

Housing overview

Metric	Value
Median home value	$141,800
Median rent / month	$883
Owner occupied	84.8%
Renter occupied	15.2%
Vacant	6.6%
Single-family detached	88.7%
Large apartment buildings	0.0%
Mobile homes	4.6%
Median rooms	6.2
Avg household size (owned)	2.39

Year built

Era	%
2020 or later	0.0%
2010–2019	1.7%
2000–2009	4.3%
1990–1999	5.8%
1980–1989	3.5%
1970–1979	9.0%
1960–1969	9.0%
1950–1959	15.3%
1940–1949	6.6%
1939 or earlier	44.8%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.8%
2 bedrooms	22.5%
3 bedrooms	40.5%
4 bedrooms	27.2%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	24.5%
2 vehicles	48.0%
3 or more	27.6%

Heating fuel

Fuel type	%
Utility gas	6.5%
Electricity	4.6%
Propane / LP gas	84.2%
Fuel oil	2.5%
Wood	2.2%

Households & families

Household type	Count	%
Married-couple family	178	55.1%
Cohabiting couple	57	17.6%
Male householder, no spouse	45	13.9%
Female householder, no spouse	43	13.3%
Households with children under 18	92	28.5%
Households with seniors (65+)	96	29.7%
Average household size	2.41

Marital status

Status	Male	Female
Never married	22.6%	21.7%
Married	53.2%	55.1%
Separated	2.4%	1.9%
Widowed	1.8%	3.2%
Divorced	19.9%	18.2%

Education

Less than 9th grade 1.3%

Some HS, no diploma 3.9%

HS graduate 53.7%

Some college, no degree 21.7%

Associate's degree 8.6%

Bachelor's degree 7.5%

Graduate / professional 3.3%

Metric	%
HS diploma or higher	94.9%
Bachelor's or higher	10.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	12	7.4%
Kindergarten	8	4.9%
Elementary school	89	54.6%
High school	38	23.3%
College / grad school	16	9.8%

Employment

Industry of employment

Education & healthcare 26.3%

Transportation & utilities 18.4%

Manufacturing 14.1%

Agriculture & mining 12.4%

Retail trade 7.7%

Wholesale trade 5.5%

Construction 5.2%

Arts, food & hospitality 3.5%

Other services 2.5%

Public administration 2.2%

Professional & management 1.5%

Information 0.5%

Finance & real estate 0.2%

Occupation

Category	%
Management, business & arts	28.5%
Service	7.9%
Sales & office	10.4%
Natural resources & construction	17.9%
Production & transportation	35.2%

Employment type

Type	%
Private sector	71.0%
Government	13.9%
Self-employed	15.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.7%
Carpool	4.2%
Public transit	0.0%
Walk	0.7%
Work from home	19.4%
Other means	0.0%
Avg commute (minutes)	26.3

Poverty

All people 7.3%

Under 18 years 17.4%

18 and over 4.3%

Married-couple families 1.1%

Female-led households 2.9%

Income support

Source	% of households
Social Security	32.2%
Retirement income	30.3%
Supplemental Security	10.5%
Cash public assistance	1.9%
Food stamps / SNAP	2.5%

Health indicators

Condition	%
Obesity	39.8%
High blood pressure	32.6%
High cholesterol	34.1%
Diabetes	9.7%
Heart disease	6.4%
Stroke	2.8%
Asthma	9.4%
Arthritis	23.6%
Kidney disease	2.7%
Pulmonary disease	6.6%
Cancer	6.9%

Behavior / access	%
Smoking	17.3%
Binge drinking	22.2%
No physical activity	23.2%
Less than 7 hrs sleep	31.1%
Depression	16.7%
Fair or poor health	12.2%
Poor mental health	13.1%
Poor physical health	9.3%
No health insurance	9.5%
Visited doctor (checkup)	75.8%
Visited dentist	66.6%
Cholesterol screening	89.1%
Teeth loss	11.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	52	8.7%

Disability	%
Any disability	10.0%
Under 18	7.3%
18–64 years	7.0%
65 and over	23.7%

Health insurance coverage

Type	%
Private insurance	60.7%
Public insurance	46.2%
No insurance	8.5%
Uninsured under 19	10.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	741	95.4%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	759	97.7%
Born in same state	759	97.7%
Born in different state	664	85.5%
Foreign born	0	0.0%
Naturalized citizen	18	2.3%
Not a US citizen	9	50.0%

Ancestry

Ancestry	Count	%
Italian	103	13.3%
French	41	5.3%
English	40	5.1%
Norwegian	27	3.5%

Ancestry	Count	%
Arab	25	3.2%
Polish	5	0.6%
Dutch	3	0.4%
Irish	2	0.3%

Technology access

Metric	% of households
Computer access	41.6%
Internet access	86.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 52731

What city is ZIP code 52731 in?

ZIP code 52731 is primarily assigned to Charlotte, Iowa.

What county is ZIP code 52731 in?

ZIP code 52731 falls within Clinton County, Iowa.

How educated is the population of ZIP code 52731?

11% of residents hold a bachelor's degree or higher — below the national average of ~33%, consistent with a trades-oriented local economy.

Is ZIP code 52731 mostly owner-occupied?

85% of occupied units in ZIP code 52731 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 52731?

The median home value in ZIP code 52731 is $141,800.

What is the population of ZIP code 52731?

ZIP code 52731 has an estimated population of 777 residents, with a density of 15 people per square mile.

What timezone is ZIP code 52731 in?

ZIP code 52731 observes the CST timezone.