Español

Este sitio también está en español. Leer en español

City · 5,937 residents · St. Charles County, Missouri

Cottleville , Missouri

In Cottleville, a typical home is worth $435,400 and typical rent is $1,624 a month. Compared with all of St. Charles County, the typical home value is 36% higher and typical household income is 25% higher.

WhatsApp

  • Typical home value

    $435,400

    36% above the county

    89% above Missouri

    • Cottleville
    • St. Charles
    • Missouri

  • Typical rent

    $1,624a month

    19% above the county

    57% above Missouri

    • Cottleville
    • St. Charles
    • Missouri

  • Typical household income

    $131,310a year

    25% above the county

    86% above Missouri

    • Cottleville
    • St. Charles
    • Missouri

  • Households that own their home

    81%

    About the same as the county

    13 points above Missouri

    • Cottleville
    • St. Charles
    • Missouri

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$502,685
3.9% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cottleville is in St. Charles 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 St. Charles County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cottleville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in St. Peters, the typical home value is $269,900: 38% less than in Cottleville ($435,400).

  2. The typical home in Cottleville is worth $435,400, 36% more than in St. Charles County as a whole ($320,800).

  3. The typical household income in Cottleville is $131,310, 25% more than in St. Charles County as a whole ($104,692).

  4. Nearby, in St. Peters, the typical rent is $1,321: 19% less than in Cottleville ($1,624).

  5. Cottleville has the 9th highest typical rent of the 138 cities in Missouri with more than 5,000 people ($1,624).

  6. Cottleville has the 9th largest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (64%).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cottleville

What homes there are in Cottleville, 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

As in St. Charles County, most homes in Cottleville are detached houses (72%).

Year built

Homes in Cottleville are newer: the typical year built is 2012; in St. Charles County, 1994.

In Cottleville, 80% of homes have 3 bedrooms or more, more than in St. Charles County (76%).

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,035 a month

St. Charles County: $1,866 a month

Without a mortgage

$876 a month

St. Charles County: $696 a month

Owners with a mortgage

74%

St. Charles County: 71%

In Cottleville, 74% of owners have a mortgage, and their typical cost is $2,035 a month, against $1,866 in St. Charles County. Without one it drops to $876.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Cottleville rose 41%; in St. Charles County, it rose 46%.

The typical rent in Cottleville rose 31% since 2015–2019, about the same as in St. Charles County (32%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCottlevilleSt. Charles CountyMissouriUnited States
Rental vacancy Unreliable estimate6.2%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room Unreliable estimate1.0%1.7%3.4%
People per household 2.692.532.402.53
Drive alone 76%74%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 14%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.69 on average, against 2.53 in St. Charles County.

In Cottleville, 76% of workers drive alone to work; in St. Charles County, 74%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cottleville?

A typical home is tight for the typical income

We start with a typical home in Cottleville, worth $435,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Cottleville, which is $131,310 a year. For that payment to be 28% of income, a household would need to earn about $156,320 a year.

The calculator's FHA and conventional loan limits are those of all of St. Charles County.

Your numbers

Local data
$

Starts at the typical home value in Cottleville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $15,239 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,647

at 7.18% · 30 years

Loan amount
$427,514
Total interest
$615,092
Paid off in
November 2056

Includes $7,353 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,064 a month

  • Tight

    $3,064 to $3,939 a month

    Your payment · 33%

  • Hard

    more than $3,939 a month

Compared with the typical household income in Cottleville ($131,310 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,647
Principal & interest$2,896
Property tax$377
Home insurance$181
FHA mortgage insurance (MIP)$193

You need at least $15,239 for the down payment, plus closing costs.

Next step

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.

The city and its county

Cottleville and St. Charles County

Cottleville is in St. Charles County, Missouri. 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).

Cottleville's own numbers

Typical home value
$435,400
Typical monthly rent
$1,624
Typical yearly household income
$131,310
Households that own their home
81%
Effective property tax rate
1.04%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of St. Charles County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,349
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
1.6%

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 St. Charles County.

Everything about St. Charles County

Buying

Buying a home in Cottleville

A typical home in Cottleville is worth $435,400: 36% above the county and 89% above Missouri. With the typical household income in Cottleville ($131,310 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.

  • Cottleville 3.3 years
  • St. Charles 3.1 years
  • Missouri 3.3 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in St. Charles County

According to FHFA’s house price index, home prices in St. Charles County rose 95% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of St. Charles County.

Period County Missouri U.S.
Last year (2025) +4.8% +3.7% +2.9%
5 years (2020–2025) +52% +51% +47%
10 years (2015–2025) +95% +88% +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

Cottleville next to St. Charles County, Missouri and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Cottleville $435,400
  • St. Charles $320,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Cottleville $1,624
  • St. Charles $1,370
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Cottleville $131,310
  • St. Charles $104,692
  • Missouri $70,702
  • United States $80,734
See the full table
Cottleville next to St. Charles County and Missouri
Measure Cottleville St. Charles County Missouri U.S.
Typical home value $435,400 $320,800 $230,300 $332,700
Typical monthly rent $1,624 $1,370 $1,033 $1,413
Typical yearly household income $131,310 $104,692 $70,702 $80,734
Households that own their home 81% 81% 68% 65%
Typical yearly property tax $4,514 $3,480 $1,948 $3,119
Effective property tax rate 1.04% 1.08% 0.85% 0.94%
Renters with high rent for their income 64% 42% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below St. Charles 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 Cottleville

For a typical $435,400 home in Cottleville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cottleville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,647a month

    Least cash to close
    Down payment
    $15,239
    Cash to close
    $28,301
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $193

  • Conventional, 5% down $3,568a month

    Down payment
    $21,770
    Cash to close
    $34,832
    Rate
    7.18%
    Mortgage insurance
    PMI · $207

  • Conventional, 20% down, no PMI $2,918a month

    Down payment
    $87,080
    Cash to close
    $100,142
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,321a month

    Down payment
    $65,310
    Cash to close
    $78,372
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cottleville and for St. Charles County.

Property tax

Effective rate in Cottleville

1.04%of the home’s value each year

$4,514 a year for the typical owner in Cottleville.

  • Cottleville 1.04%
  • St. Charles 1.08%
  • Missouri 0.85%

What Missouri publishes Deadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))

Exemptions and deadlines in Missouri

Flood risk in St. Charles County

FEMA does not publish these numbers by city: they are for all of St. Charles County.

Homes in the high-risk zone
1.6%
2,198
Of those, with NFIP insurance
35%
County Missouri U.S.
Homes in the high-risk zone 1.6% 1.6% 3.5%
Of those, with NFIP insurance 35% 19% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cottleville

Typical rent in Cottleville is $1,624 a month: 19% above the county. In Cottleville, 64% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of St. Charles County, by unit size. To pay the 2-bedroom one ($1,349 a month) without spending more than 30% of your income, you would need to earn $25.94 an hour working full time.

HUD fair market rent for all of St. Charles County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,064 $20.46 $42,560
1 bedroom $1,104 $21.23 $44,160
2 bedrooms $1,349 $25.94 $53,960
3 bedrooms $1,731 $33.29 $69,240
4 bedrooms $1,997 $38.40 $79,880

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 Cottleville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cottleville has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,490 in 63376 to $1,960 in 63304.

2 of the 2 are above the fair market rent for St. Charles County ($1,349).

  • 63304 $1,960$2,520
  • 63376 $1,490$1,910

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cottleville 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in Cottleville

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.

We found no HUD-approved agencies with an office in St. Charles County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Cottleville

No down payment, repair or rent-help program on our list is for Cottleville or St. Charles County. The ones below are statewide in Missouri: they work in Cottleville the same as in the rest of the state.

Which programs do I qualify for? All programs in Missouri

  • First Place Loan Program

    Statewide in Missouri

    Missouri state commission mortgage for first-time buyers and veterans, with the option of cash assistance for the down payment and closing costs. Offered by Missouri Housing Development Commission (MHDC).

    Type not stated

    See the program Official page

  • Next Step Program

    Statewide in Missouri

    Missouri state commission mortgage for buyers who earn more than First Place allows, with a second loan of 4% of the mortgage for the down payment and closing costs that is forgiven after ten years. Offered by Missouri Housing Development Commission (MHDC).

    Forgivable

    See the program Official page

Housing counselors near Cottleville

The HUD-approved agencies closest to the center of Cottleville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Action Agency of ST. Louis County, Inc. (CAASTLC)

    2709 Woodson Rd, Saint Louis · 16 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (314) 863-0015

  • Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center

    9420 W Florissant Ave, Saint Louis · 20 miles away

    • Mortgage delinquency and default
    • Fair housing pre-purchase workshops
    • and 5 more
    (314) 615-3644

  • Beyond Housing

    6506 Wright Way, Saint Louis · 21 miles away

    • Budget and financial counseling
    • Home improvement and repairs
    • and 2 more
    (314) 533-0600

All counseling agencies in Missouri

Help in Spanish near Cottleville

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cottleville

HUD’s record names them for Cottleville or St. Charles County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • ST Charles County Housing Assistance Program Section 8 vouchers (573) 324-2055

One other authority has an office in St. Charles County: see the list Source: HUD

Cities

Other cities in St. Charles County

These cities are also in St. Charles County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about St. Charles County Housing in Missouri

Nearby cities

The cities closest to Cottleville, with the typical home value.

Neighboring counties

If St. Charles County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cottleville.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Cottleville

Short answers with the numbers for Cottleville and all of St. Charles 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 Cottleville?

The typical home value in Cottleville is $435,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Charles County it is $320,800.

How much does it cost to rent in Cottleville?

Typical rent in Cottleville is $1,624 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in St. Charles County is $1,349.

What is the FHA loan limit in Cottleville?

Cottleville uses the FHA limit for all of St. Charles 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 Cottleville?

The typical homeowner in Cottleville pays $4,514 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in St. Charles County, the rate is 1.08%.

Where can I find free help to buy or rent in Cottleville?

We found no HUD-approved counseling agencies with an office in St. Charles County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).