Charlotte Hall: Economy & Jobs
Households in Charlotte Hall earn a median $84,271 (1.4× below St. Mary's County median $119,446; 1.2× below Maryland median $104,408), with homes at a median value of $367,800. The surrounding county supports 49,113 jobs (avg $85,381).
- $94,000 avg taxable income per return — similar than the median household income.
Income & Affordability
Median household income $84,271 — below the Maryland median ($104,407). Poverty rate 20.3% (U.S. average ~12.5%). 36% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 4.4× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 26.1% |
| Affordability · Rent Affordability | moderate |
| Affordability · Pct Severely Rent Burdened | 36.0% |
| Affordability · Poverty Rate | 20.3% |
| Affordability · Property Tax Pct Income | 3.2% |
| Irs Income · IRS tax returns filed | $55,440 |
| Irs Income · Total Adjusted Gross Income (thousands) | $5,211,385 |
| Irs Income · Average AGI per return | $94,000 |
| Irs Income · Year | 2022 |
| Income Estimate | $124,134 |
| Median Household Income | $84,271 (vs Maryland $104,408) |
| Poverty Rate | 20.3% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Public Admin |
| Economic Character · Income Level | upper-middle |
| Economic Character · Median Income | $84,271 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 2.8% — below the U.S. average of ~4%. 5% work from home (U.S. average ~15%).
| Commuter Profile · Work From Home Pct | 5.4% |
|---|---|
| Commuter Profile · Primary Mode | drove alone |
| Employment · Avg annual employment (county) | 49,113 |
| Employment · Total annual wages (county) | $4,193,360,282 |
| Employment · Average annual pay | $85,381 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 2,677,430 |
| Unemployment Rate | 2.8% (vs Maryland 5.1%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 43 |
|---|---|
| Agriculture · Land In Farms Acres | 62,495 |
| Agriculture · Avg Farm Size Acres | 1,453.40 |
| Agriculture · Top Commodities | Crop Totals, Grain, Soybeans, Corn, Animal Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 2,079 |
| Business Patterns · Total Employees | 32,677 |
| Business Patterns · Annual Payroll Thousands | 2,043,023 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 15 |
|---|---|
| Local Businesses · Convenience Stores | 8 |
| Local Businesses · Liquor Stores | 27 |
| Local Businesses · Gas Stations | 26 |
| Local Businesses · General Merchandise | 14 |
| Local Businesses · Clothing Stores | 5 |
| Local Businesses · Pet Stores | 5 |
| Local Businesses · Electronics Stores | 6 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 64 |
|---|---|
| Dining Scene · Fast Food | 88 |
| Dining Scene · Bars | 5 |
| Dining Scene · Coffee Snacks | 18 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (4)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (5)
| Nearest Snap · Name | Food Lion 1319 |
|---|---|
| Nearest Snap · Total In Area | 13 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | GREATER BRUNSWICK AREA CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $5,006,778,696 |
|---|---|
| Federal Spending · Per Capita | 44,005.19 |
| Federal Spending · Population | 113,777 people |
Sources: USAspending API
Other
| Pct Drove Alone | 85.3% |
|---|---|
| Pct Walked | 5.4% |
| Retirement Score · Median age | 49.7 years (vs Maryland 39.3y) |
| Retirement Score · Ss Household Pct | 22.5% |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | older population, VA nearby |
| Retirement Score · Rating | fair |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12