City · 93,801 residents · St. Charles County, Missouri
O'Fallon, Missouri
In O'Fallon, a typical home is worth $326,200 and typical rent is $1,443 a month. Compared with all of St. Charles County, typical household income is 5% higher and typical rent is 5% higher.
O'Fallon 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
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: 17% less than in O'Fallon ($326,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in O'Fallon
What homes there are in O'Fallon, 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
O'Fallon
St. Charles County
Missouri
United States
Kind of home: O'Fallon and its comparisons
Measure
O'Fallon
St. Charles County
Missouri
United States
Detached house
75%
75%
71%
61%
Attached house
9%
8%
4%
6%
Building of 2 to 4
2%
4%
8%
8%
Apartments (5 or more)
10%
11%
13%
19%
Mobile home
3%
3%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In O'Fallon, 8 in 10 homes are single-family detached houses, about the same as in St. Charles County.
Year built
Before 19601960–19791980–19992000–20092010 or later
O'Fallon
St. Charles County
Missouri
United States
Year built: O'Fallon and its comparisons
Measure
O'Fallon
St. Charles County
Missouri
United States
Before 1960
3%
7%
27%
26%
1960–1979
6%
18%
25%
24%
1980–1999
41%
36%
25%
25%
2000–2009
30%
21%
13%
14%
2010 or later
20%
18%
10%
11%
The typical home in O'Fallon was built in 2000, 6 years after the typical one in St. Charles County.
By size, homes in O'Fallon look like those in St. Charles County: 78% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K5%
$100K–$200K8%
$200K–$300K29%
$300K–$500K48%
$500K–$750K9%
FHA limit: $541,287
$750K–$1M2%
$1M or moreUnreliable
Value of owner-occupied homes: O'Fallon and its comparisons
Measure
O'Fallon
Under $100K
5%
$100K–$200K
8%
$200K–$300K
29%
$300K–$500K
48%
$500K–$750K
9%
$750K–$1M
2%
$1M or more
Unreliable estimate
The FHA loan limit for St. Charles County is $541,287, and about 91% of owner-occupied homes in O'Fallon are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99913%
$1,000–$1,49941%
$1,500–$1,99928%
$2,000–$2,49910%
$2,500–$2,9994%
$3,000 or moreUnreliable
Monthly rent with utilities: O'Fallon and its comparisons
Measure
O'Fallon
Under $500
Unreliable estimate
$500–$999
13%
$1,000–$1,499
41%
$1,500–$1,999
28%
$2,000–$2,499
10%
$2,500–$2,999
4%
$3,000 or more
Unreliable estimate
With a mortgage
$1,899 a month
St. Charles County: $1,866 a month
Without a mortgage
$718 a month
St. Charles County: $696 a month
Owners with a mortgage
76%
St. Charles County: 71%
The typical cost for an owner with a mortgage in O'Fallon is $1,899 a month, near the figure in St. Charles County ($1,866).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
O'Fallon+44%
St. Charles County+46%
Missouri+47%
United States+53%
Typical rent
O'Fallon+31%
St. Charles County+32%
Missouri+25%
United States+33%
Typical household income
O'Fallon+23%
St. Charles County+23%
Missouri+28%
United States+29%
Change since 2015–2019: O'Fallon and its comparisons
Measure
O'Fallon
St. Charles County
Missouri
United States
Typical home value
+44%
+46%
+47%
+53%
Typical rent
+31%
+32%
+25%
+33%
Typical household income
+23%
+23%
+28%
+29%
From 2015–2019 to 2020–2024, home values in O'Fallon rose at about the same pace as in St. Charles County: 44% against 46%.
Much as in St. Charles County, the typical rent in O'Fallon rose 31% since 2015–2019.
Housing prices ran ahead of income in O'Fallon: typical income rose 23%, against +44% for home values and +31% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: O'Fallon and its comparisons
Measure
O'Fallon
St. Charles County
Missouri
United States
Rental vacancy
Unreliable estimate
6.2%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
1.5%
1.0%
1.7%
3.4%
People per household
2.63
2.53
2.40
2.53
Drive alone
75%
74%
75%
69%
Carpool
4%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
18%
18%
13%
15%
Other means
1%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 1.5% of households in O'Fallon live, near the figure in St. Charles County (1.0%).
Much as in St. Charles County, a household in O'Fallon has 2.63 people on average.
The car rules in O'Fallon: 75% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in O'Fallon?
A typical home is tight for the typical income
We start with a typical home in O'Fallon, worth $326,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in O'Fallon, which is $110,443 a year. For that payment to be 28% of income, a household would need to earn about $117,930 a year.
The calculator's FHA and conventional loan limits are those of all of St. Charles 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 O'Fallon. 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 $11,417 (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
$2,752
at 7.18% · 30 years
Loan amount
$320,292
Total interest
$460,825
Paid off in
November 2056
Includes $5,509 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,577 a month
Tight
$2,577 to $3,313 a month
Your payment · 30%
Hard
more than $3,313 a month
Compared with the typical household income in O'Fallon ($110,443 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,170
Property tax
$302
Home insurance
$136
FHA mortgage insurance (MIP)
$144
You need at least $11,417 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 $2,752; principal and interest $2,170.
The city and its county
O'Fallon and St. Charles County
O'Fallon 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).
O'Fallon
Map of St. Charles County, Missouri, with O'Fallon marked. Around it, the neighboring counties.
O'Fallon
St. Charles County
Other cities with a page
O'Fallon's own numbers
Typical home value
$326,200
Typical monthly rent
$1,443
Typical yearly household income
$110,443
Households that own their home
81%
Effective property tax rate
1.11%
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.
A typical home in O'Fallon is worth $326,200: about the same as the county and 42% above Missouri. With the typical household income in O'Fallon ($110,443 a year), a typical home costs 3.0 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.
O'Fallon3.0 years
St. Charles3.1 years
Missouri3.3 years
United States4.1 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.
Yearly change in FHFA’s price index in St. Charles County, 2016 to 2025
2016: +5.2% +5.2% 2016
2017: +6.2% +6.2% 2017
2018: +4.4% +4.4% 2018
2019: +5.5% +5.5% 2019
2020: +4.1% +4.1% 2020
2021: +10.7% +10.7% 2021
2022: +14.0% +14.0% 2022
2023: +9.2% +9.2% 2023
2024: +5.4% +5.4% 2024
2025: +4.8% +4.8% 2025
Change in FHFA’s price index in St. Charles County, Missouri and the United States
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
O'Fallon 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
O'Fallon$326,200
St. Charles$320,800
Missouri$230,300
United States$332,700
Typical monthly rent
O'Fallon$1,443
St. Charles$1,370
Missouri$1,033
United States$1,413
Typical yearly household income
O'Fallon$110,443
St. Charles$104,692
Missouri$70,702
United States$80,734
See the full table
O'Fallon next to St. Charles County and Missouri
Measure
O'Fallon
St. Charles County
Missouri
U.S.
Typical home value
$326,200
$320,800
$230,300
$332,700
Typical monthly rent
$1,443 ▲5% above the county
$1,370
$1,033
$1,413
Typical yearly household income
$110,443 ▲5% above the county
$104,692
$70,702
$80,734
Households that own their home
81%
81%
68%
65%
Typical yearly property tax
$3,609 ▲4% above the county
$3,480
$1,948
$3,119
Effective property tax rate
1.11% ▲0.03 points above the county
1.08%
0.85%
0.94%
Renters with high rent for their income
42%
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 O'Fallon
For a typical $326,200 home in O'Fallon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, O'Fallon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,752a month
Least cash to close
Down payment
$11,417
Cash to close
$21,203
Rate
7.18%
Mortgage insurance
FHA MIP · $144
Conventional, 5% down$2,692a month
Down payment
$16,310
Cash to close
$26,096
Rate
7.18%
Mortgage insurance
PMI · $155
Conventional, 20% down, no PMI$2,205a month
Down payment
$65,240
Cash to close
$75,026
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,507a month
Down payment
$48,930
Cash to close
$58,716
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in O'Fallon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,752
$11,417
$320,292
7.18%
FHA MIP · $144
$21,203
580
Conventional, 5% down
$2,692
$16,310
$309,890
7.18%
PMI · $155
$26,096
620*
Conventional, 20% down, no PMI
$2,205
$65,240
$260,960
7.18%
None
$75,026
620*
ITIN, 15% down (example)
$2,507
$48,930
$277,270
8.18%
None
$58,716
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.
Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for O'Fallon and for St. Charles County.
Property tax
Effective rate in O'Fallon
1.11%of the home’s value each year
$3,609 a year for the typical owner in O'Fallon.
O'Fallon1.11%
St. Charles1.08%
Missouri0.85%
What Missouri publishesDeadline to appeal the assessment to the county board of equalization (Missouri Revisor of Statutes (Revised Statutes of Missouri))
Typical rent in O'Fallon is $1,443 a month: 5% above the county. In O'Fallon, 42% 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.
HUD fair market rent in St. Charles County (Fiscal year 2027)
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 O'Fallon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). O'Fallon has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,540 in 63366 to $1,760 in 63368.
2 of the 2 are above the fair market rent for St. Charles County ($1,349).
Fair market rent by ZIP code and size in O'Fallon, fiscal year 2027.
63366
$1,210
$1,260
$1,540
$1,980
$2,280
63368
$1,390
$1,440
$1,760
$2,260
$2,610
ZIP code2 bd3 bd
63366 $1,540$1,980
63368 $1,760$2,260
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for O'Fallon 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)
HUD lists 14 buildings with rents for lower incomes in O'Fallon. These are the largest.
Gentemann Manor1100 Meadow Pointe Dr, O Fallon 6336660 low-income homes · 2 bd: 60 · In service since 2005 · For older adults, people with disabilities
Homefield Villas634 Golden Villa Ave, O Fallon 6336660 low-income homes · 2 bd: 60 · In service since 2011 · For older adults, people with disabilities
Mill Pond Drive Senior Housing1101 Mill Pond Cir, O Fallon 6336652 low-income homes · For older adults(636) 240-6371
Hillmann Place II8100 Hillmann Place Cir, O Fallon 6336656 homes, 50 low-income · 1 bd: 16 · 2 bd: 40 · In service since 2017 · For older adults
Grace Garden Apartments116 W Pitman St, O Fallon 6336650 homes, 49 low-income · For older adults(636) 281-2201
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.
No down payment, repair or rent-help program on our list is for O'Fallon or St. Charles County. The ones below are statewide in Missouri: they work in O'Fallon the same as in the rest of the state.
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).
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).
No legal help resource on our list is for O'Fallon or St. Charles 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 O'Fallon 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 O'Fallon?
The typical home value in O'Fallon is $326,200, 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 O'Fallon?
Typical rent in O'Fallon is $1,443 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 O'Fallon?
O'Fallon 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 O'Fallon?
The typical homeowner in O'Fallon pays $3,609 a year, according to the U.S. Census Bureau. That is 1.11% 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 O'Fallon?
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.
