In St. Charles, a typical home is worth $377,400 and typical rent is $1,819 a month. Compared with all of Kane County, typical rent is 25% higher, the typical home value is 15% higher, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $340,144 to $477,257.
Typical rent
$1,956a month
▲ 3.4% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,477 to $1,956.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Charles is in Kane County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Kane County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Batavia, the typical rent is $1,347: 26% less than in St. Charles ($1,819).
2
The typical rent in St. Charles is $1,819 a month, 25% more than in Kane County as a whole ($1,453).
3
The typical home in St. Charles is worth $377,400,15% more than in Kane County as a whole ($327,000).
4
70% of households in St. Charles own their home, against 76% in Kane County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Charles
What homes there are in St. Charles, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
St. Charles
Kane County
Illinois
United States
Kind of home: St. Charles and its comparisons
Measure
St. Charles
Kane County
Illinois
United States
Detached house
59%
69%
58%
61%
Attached house
14%
12%
6%
6%
Building of 2 to 4
7%
7%
12%
8%
Apartments (5 or more)
20%
12%
22%
19%
Mobile home
Unreliable estimate
1%
2%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In St. Charles, 6 in 10 homes are single-family detached houses; in Kane County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
St. Charles
Kane County
Illinois
United States
Year built: St. Charles and its comparisons
Measure
St. Charles
Kane County
Illinois
United States
Before 1960
18%
24%
38%
26%
1960–1979
25%
21%
26%
24%
1980–1999
32%
25%
20%
25%
2000–2009
18%
21%
11%
14%
2010 or later
7%
8%
6%
11%
By age, homes in St. Charles look like those in Kane County: the typical year built is 1984.
Homes in St. Charles are smaller: 64% have 3 bedrooms or more; in Kane County, 68%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K3%
$100K–$200KUnreliable
$200K–$300K20%
$300K–$500K52%
$500K–$750K16%
$750K–$1M4%
$1M or more2%
Value of owner-occupied homes: St. Charles and its comparisons
Measure
St. Charles
Under $100K
3%
$100K–$200K
Unreliable estimate
$200K–$300K
20%
$300K–$500K
52%
$500K–$750K
16%
$750K–$1M
4%
$1M or more
2%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$9994%
$1,000–$1,49922%
$1,500–$1,99934%
$2,000–$2,49921%
$2,500–$2,99912%
$3,000 or more6%
Monthly rent with utilities: St. Charles and its comparisons
Measure
St. Charles
Under $500
Unreliable estimate
$500–$999
4%
$1,000–$1,499
22%
$1,500–$1,999
34%
$2,000–$2,499
21%
$2,500–$2,999
12%
$3,000 or more
6%
With a mortgage
$2,381 a month
Kane County: $2,256 a month
Without a mortgage
$1,102 a month
Kane County: $958 a month
Owners with a mortgage
70%
Kane County: 67%
Owning costs more in St. Charles: with a mortgage, the typical cost is $2,381 a month; in Kane County, $2,256. Without one, $1,102.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Charles+29%
Kane County+37%
Illinois+35%
United States+53%
Typical rent
St. Charles+41%
Kane County+27%
Illinois+26%
United States+33%
Typical household income
St. Charles+16%
Kane County+30%
Illinois+27%
United States+29%
Change since 2015–2019: St. Charles and its comparisons
Measure
St. Charles
Kane County
Illinois
United States
Typical home value
+29%
+37%
+35%
+53%
Typical rent
+41%
+27%
+26%
+33%
Typical household income
+16%
+30%
+27%
+29%
Homes in St. Charles gained value more slowly than in Kane County: 29% since 2015–2019, against 37%.
Since 2015–2019, the typical rent in St. Charles rose 41%, more than in Kane County (27%).
The typical household income in St. Charles rose 16%: less than home values (+29%) and rent (+41%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Charles and its comparisons
Measure
St. Charles
Kane County
Illinois
United States
Rental vacancy
Unreliable estimate
3.1%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.0%
0.9%
More than one person per room
Unreliable estimate
3.0%
2.5%
3.4%
People per household
2.47
2.77
2.46
2.53
Drive alone
73%
71%
66%
69%
Carpool
Unreliable estimate
9%
8%
9%
Public transit
2%
2%
6%
3%
Walk or bike
Unreliable estimate
1%
3%
3%
Work from home
15%
16%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in St. Charles are smaller: 2.47 people on average; in Kane County, 2.77.
To get to work, 73% of workers in St. Charles drive alone; in Kane County, 71%.
Do the math
What would you pay each month for a home in St. Charles?
A typical home costs more than the typical income allows
We start with a typical home in St. Charles, worth $377,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in St. Charles, which is $114,300 a year. For that payment to be 28% of income, a household would need to earn about $151,132 a year.
The calculator's FHA and conventional loan limits are those of all of Kane County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in St. Charles. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $13,209 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,526
at 7.18% · 30 years
Loan amount
$370,564
Total interest
$533,155
Paid off in
November 2056
Includes $6,373 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,667 a month
Tight
$2,667 to $3,429 a month
Hard
more than $3,429 a month
Your payment · 37%
Compared with the typical household income in St. Charles ($114,300 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,510
Property tax
$692
Home insurance
$157
FHA mortgage insurance (MIP)
$167
You need at least $13,209 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,526; principal and interest $2,510.
The city and its county
St. Charles and Kane County
St. Charles is in Kane County, Illinois. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
St. Charles
Map of Kane County, Illinois, with St. Charles marked. Around it, the neighboring counties.
St. Charles
Kane County
Other cities with a page
St. Charles's own numbers
Typical home value
$377,400
Typical monthly rent
$1,819
Typical yearly household income
$114,300
Households that own their home
70%
Effective property tax rate
2.2%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kane County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,011
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Kane County.
A typical home in St. Charles is worth $377,400: 15% above the county and 43% above Illinois. With the typical household income in St. Charles ($114,300 a year), a typical home costs 3.3 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
St. Charles3.3 years
Kane3.2 years
Illinois3.2 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kane County
According to FHFA’s house price index, home prices in Kane County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kane County.
Yearly change in FHFA’s price index in Kane County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +4.0% +4.0% 2017
2018: +3.5% +3.5% 2018
2019: +2.9% +2.9% 2019
2020: +1.1% +1.1% 2020
2021: +9.6% +9.6% 2021
2022: +14.7% +14.7% 2022
2023: +9.3% +9.3% 2023
2024: +7.1% +7.1% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Kane County, Illinois and the United States
Period
County
Illinois
U.S.
Last year (2025)
+5.8%
+5.7%
+2.9%
5 years (2020–2025)
+56%
+47%
+47%
10 years (2015–2025)
+82%
+65%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
St. Charles next to Kane County, Illinois and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
St. Charles$377,400
Kane$327,000
Illinois$263,300
United States$332,700
Typical monthly rent
St. Charles$1,819
Kane$1,453
Illinois$1,274
United States$1,413
Typical yearly household income
St. Charles$114,300
Kane$103,163
Illinois$83,390
United States$80,734
See the full table
St. Charles next to Kane County and Illinois
Measure
St. Charles
Kane County
Illinois
U.S.
Typical home value
$377,400 ▲15% above the county
$327,000
$263,300
$332,700
Typical monthly rent
$1,819 ▲25% above the county
$1,453
$1,274
$1,413
Typical yearly household income
$114,300 ▲11% above the county
$103,163
$83,390
$80,734
Households that own their home
70% ▼6 points below the county
76%
67%
65%
Typical yearly property tax
$8,309 ▲13% above the county
$7,382
$5,298
$3,119
Effective property tax rate
2.2% ▼0.06 points below the county
2.26%
2.01%
0.94%
Renters with high rent for their income
59% ▲9 points above the county
50%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kane County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in St. Charles
For a typical $377,400 home in St. Charles, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Charles's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,526a month
Least cash to close
Down payment
$13,209
Cash to close
$24,531
Rate
7.18%
Mortgage insurance
FHA MIP · $167
Conventional, 5% down$3,457a month
Down payment
$18,870
Cash to close
$30,192
Rate
7.18%
Mortgage insurance
PMI · $179
Conventional, 20% down, no PMI$2,894a month
Down payment
$75,480
Cash to close
$86,802
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,243a month
Down payment
$56,610
Cash to close
$67,932
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Charles
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,526
$13,209
$370,564
7.18%
FHA MIP · $167
$24,531
580
Conventional, 5% down
$3,457
$18,870
$358,530
7.18%
PMI · $179
$30,192
620*
Conventional, 20% down, no PMI
$2,894
$75,480
$301,920
7.18%
None
$86,802
620*
ITIN, 15% down (example)
$3,243
$56,610
$320,790
8.18%
None
$67,932
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in St. Charles is $1,819 a month: 25% above the county. In St. Charles, 59% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kane County, by unit size. To pay the 2-bedroom one ($2,011 a month) without spending more than 30% of your income, you would need to earn $38.67 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kane County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,678
$32.27
$67,120
1 bedroom
$1,780
$34.23
$71,200
2 bedrooms
$2,011
$38.67
$80,440
3 bedrooms
$2,586
$49.73
$103,440
4 bedrooms
$2,954
$56.81
$118,160
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in St. Charles
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Charles has 2 ZIP codes with their own.
For 2 bedrooms it runs from $2,440 in 60174 to $3,020 in 60175.
2 of the 2 are above the fair market rent for Kane County ($2,011).
Fair market rent by ZIP code and size in St. Charles, fiscal year 2027.
60174
$2,040
$2,160
$2,440
$3,140
$3,580
60175
$2,520
$2,670
$3,020
$3,880
$4,440
ZIP code2 bd3 bd
60174 $2,440$3,140
60175 $3,020$3,880
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Charles when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Kane County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for St. Charles or Kane County. The ones below are statewide in Illinois: they work in St. Charles the same as in the rest of the state.
IHDA second loan with no payments until you sell or refinance, for the down payment in Illinois.Offered by Illinois Housing Development Authority (IHDA).
No legal help resource on our list is for St. Charles or Kane County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for St. Charles and all of Kane County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in St. Charles?
The typical home value in St. Charles is $377,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kane County it is $327,000.
How much does it cost to rent in St. Charles?
Typical rent in St. Charles is $1,819 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kane County is $2,011.
What is the FHA loan limit in St. Charles?
St. Charles uses the FHA limit for all of Kane County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in St. Charles?
The typical homeowner in St. Charles pays $8,309 a year, according to the U.S. Census Bureau. That is 2.2% of the home’s value; in Kane County, the rate is 2.26%.
Where can I find free help to buy or rent in St. Charles?
There are 2 HUD-approved counseling agencies with an office in Kane County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
