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City · 13,503 residents · St. Charles County, Missouri

Dardenne Prairie , Missouri

In Dardenne Prairie, a typical home is worth $432,000 and typical rent is $1,444 a month. Compared with all of St. Charles County, typical household income is 46% higher, the typical home value is 35% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $432,000

    35% above the county

    88% above Missouri

    • Dardenne Prairie
    • St. Charles
    • Missouri

  • Typical rent

    $1,444a month

    5% above the county

    40% above Missouri

    • Dardenne Prairie
    • St. Charles
    • Missouri

  • Typical household income

    $152,500a year

    46% above the county

    116% above Missouri

    • Dardenne Prairie
    • St. Charles
    • Missouri

  • Households that own their home

    92%

    11 points above the county

    23 points above Missouri

    • Dardenne Prairie
    • St. Charles
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$472,481
1.5% more than 12 months ago

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

Dardenne Prairie 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 Dardenne Prairie apart

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

  1. The typical household income in Dardenne Prairie is $152,500, 46% more than in St. Charles County as a whole ($104,692).

  2. Nearby, in St. Peters, the typical home value is $269,900: 38% less than in Dardenne Prairie ($432,000).

  3. Dardenne Prairie has the 7th highest homeownership rate of the 142 cities in Missouri with more than 5,000 people (92%).

  4. The typical home in Dardenne Prairie is worth $432,000, 35% more than in St. Charles County as a whole ($320,800).

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

The homes here

Housing in Dardenne Prairie

What homes there are in Dardenne Prairie, 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

The detached house rules in Dardenne Prairie: 87% of homes, more than in St. Charles County (75%).

Year built

Homes in Dardenne Prairie are newer: the typical year built is 2004; in St. Charles County, 1994.

Homes in Dardenne Prairie are bigger: 89% have 3 bedrooms or more; 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

$2,365 a month

St. Charles County: $1,866 a month

Without a mortgage

$808 a month

St. Charles County: $696 a month

Owners with a mortgage

78%

St. Charles County: 71%

Owning costs more in Dardenne Prairie: with a mortgage, the typical cost is $2,365 a month; in St. Charles County, $1,866. Without one, $808.

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

The typical home value in Dardenne Prairie rose 43% since 2015–2019, less than in St. Charles County (46%).

The typical rent in Dardenne Prairie stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureDardenne PrairieSt. 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 2.872.532.402.53
Drive alone 73%74%75%69%
Carpool 6%6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 19%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Dardenne Prairie has 2.87 people, more than in St. Charles County (2.53).

The car rules in Dardenne Prairie: 73% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Dardenne Prairie?

A typical home is tight for the typical income

We start with a typical home in Dardenne Prairie, worth $432,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Dardenne Prairie, which is $152,500 a year. For that payment to be 28% of income, a household would need to earn about $155,408 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 Dardenne Prairie. 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 $15,120 (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

$3,626

at 7.18% · 30 years

Loan amount
$424,175
Total interest
$610,289
Paid off in
November 2056

Includes $7,295 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,558 a month

  • Tight

    $3,558 to $4,575 a month

    Your payment · 29%

  • Hard

    more than $4,575 a month

Compared with the typical household income in Dardenne Prairie ($152,500 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,626
Principal & interest$2,874
Property tax$382
Home insurance$180
FHA mortgage insurance (MIP)$191

You need at least $15,120 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

Dardenne Prairie and St. Charles County

Dardenne Prairie 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).

Dardenne Prairie's own numbers

Typical home value
$432,000
Typical monthly rent
$1,444
Typical yearly household income
$152,500
Households that own their home
92%
Effective property tax rate
1.06%

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 Dardenne Prairie

A typical home in Dardenne Prairie is worth $432,000: 35% above the county and 88% above Missouri. With the typical household income in Dardenne Prairie ($152,500 a year), a typical home costs 2.8 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.

  • Dardenne Prairie 2.8 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

Dardenne Prairie 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
  • Dardenne Prairie $432,000
  • St. Charles $320,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • Dardenne Prairie $1,444
  • St. Charles $1,370
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • Dardenne Prairie $152,500
  • St. Charles $104,692
  • Missouri $70,702
  • United States $80,734
See the full table
Dardenne Prairie next to St. Charles County and Missouri
Measure Dardenne Prairie St. Charles County Missouri U.S.
Typical home value $432,000 $320,800 $230,300 $332,700
Typical monthly rent $1,444 $1,370 $1,033 $1,413
Typical yearly household income $152,500 $104,692 $70,702 $80,734
Households that own their home 92% 81% 68% 65%
Typical yearly property tax $4,569 $3,480 $1,948 $3,119
Effective property tax rate 1.06% 1.08% 0.85% 0.94%

“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 Dardenne Prairie

For a typical $432,000 home in Dardenne Prairie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dardenne Prairie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,626a month

    Least cash to close
    Down payment
    $15,120
    Cash to close
    $28,080
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $191

  • Conventional, 5% down $3,547a month

    Down payment
    $21,600
    Cash to close
    $34,560
    Rate
    7.18%
    Mortgage insurance
    PMI · $205

  • Conventional, 20% down, no PMI $2,903a month

    Down payment
    $86,400
    Cash to close
    $99,360
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,302a month

    Down payment
    $64,800
    Cash to close
    $77,760
    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 Dardenne Prairie and for St. Charles County.

Property tax

Effective rate in Dardenne Prairie

1.06%of the home’s value each year

$4,569 a year for the typical owner in Dardenne Prairie.

  • Dardenne Prairie 1.06%
  • 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 Dardenne Prairie

Typical rent in Dardenne Prairie is $1,444 a month: 5% above the county.

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 Dardenne Prairie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dardenne Prairie is in ZIP code 63368.

For 2 bedrooms it is $1,760: $411 more than the fair market rent for St. Charles County ($1,349).

  • 63368 $1,760$2,260

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dardenne Prairie 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?

Low-income apartments

Low-income apartments in Dardenne Prairie

HUD lists 3 buildings with rents for lower incomes in Dardenne Prairie. These are the largest.

  • ST. William Apartments I 1979 Hanley Rd, Dardenne Prairie 63368 40 low-income homes · For older adults (636) 695-4200
  • ST. William Apartments II 1983 Hanley Rd, Dardenne Prairie 63368 38 low-income homes · For older adults (636) 695-4206
  • Town Square Apartments 900 Towne Square Dr, Dardenne Prairie 63368 2 bd: 24 · 3 bd: 24 · In service since 2016

See all 55 buildings in St. Charles County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Dardenne Prairie

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.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Dardenne Prairie

No down payment, repair or rent-help program on our list is for Dardenne Prairie or St. Charles County. The ones below are statewide in Missouri: they work in Dardenne Prairie 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 Dardenne Prairie

The HUD-approved agencies closest to the center of Dardenne Prairie, 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 · 19 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 · 24 miles away

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

  • Beyond Housing

    6506 Wright Way, Saint Louis · 24 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 Dardenne Prairie

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 Dardenne Prairie

HUD’s record names them for Dardenne Prairie 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 Dardenne Prairie, 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 Dardenne Prairie.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Dardenne Prairie

Short answers with the numbers for Dardenne Prairie 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 Dardenne Prairie?

The typical home value in Dardenne Prairie is $432,000, 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 Dardenne Prairie?

Typical rent in Dardenne Prairie is $1,444 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 Dardenne Prairie?

Dardenne Prairie 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 Dardenne Prairie?

The typical homeowner in Dardenne Prairie pays $4,569 a year, according to the U.S. Census Bureau. That is 1.06% 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 Dardenne Prairie?

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).