Renting · Section 8
Data from November 2026
Renting in St. Charles County, Missouri
St. Charles County has a HUD fair market rent of $1,349 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,370 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $25.94 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,349
- a month, HUD, Fiscal year 2027
- 8% more than in Missouri
- Typical rent
- $1,370
- a month, Census, Average 2020–2024
- 33% more than in Missouri
- Wage needed
- $25.94
- an hour, 2 bedrooms
- Or $53,960 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 42%
- spend 30% or more of income on rent
- 7% less than in Missouri
Only here
Renting in St. Charles County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Of the 115 counties in Missouri, St. Charles County has the highest typical rent: $1,370.
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Of the 115 counties in Missouri, St. Charles County has the highest typical household income: $104,692.
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St. Charles County has the highest typical rent in its area: $1,370, more than any of its 6 neighboring counties; next is St. Louis County ($1,209).
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in St. Charles County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in St. Charles County was $1,664 a month in September 2026: 4% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| 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 |
HUD area: St. Louis, MO-IL HUD Metro FMR Area. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 14 ZIP codes in St. Charles County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,320 in 63373 to $1,980 in 63348. 13 ZIP codes are above the county's fair market rent ($1,349).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 63301 | $1,100 | $1,150 | $1,400 | $1,800 | $2,070 |
|---|---|---|---|---|---|
| 63303 | $1,320 | $1,380 | $1,680 | $2,160 | $2,490 |
| 63304 | $1,550 | $1,600 | $1,960 | $2,520 | $2,900 |
| 63332 | $1,320 | $1,380 | $1,680 | $2,160 | $2,490 |
| 63341 | $1,380 | $1,430 | $1,750 | $2,250 | $2,590 |
| 63348 | $1,560 | $1,620 | $1,980 | $2,540 | $2,930 |
| 63365 | $1,210 | $1,260 | $1,540 | $1,980 | $2,280 |
| 63366 | $1,210 | $1,260 | $1,540 | $1,980 | $2,280 |
| 63367 | $1,500 | $1,560 | $1,900 | $2,440 | $2,810 |
| 63368 | $1,390 | $1,440 | $1,760 | $2,260 | $2,610 |
| 63373 | $1,040 | $1,080 | $1,320 | $1,690 | $1,950 |
| 63376 | $1,180 | $1,220 | $1,490 | $1,910 | $2,210 |
| 63385 | $1,210 | $1,260 | $1,540 | $1,980 | $2,280 |
| 63386 | $1,110 | $1,150 | $1,410 | $1,810 | $2,090 |
- 63301 $1,400$1,800
- 63303 $1,680$2,160
- 63304 $1,960$2,520
- 63332 $1,680$2,160
- 63341 $1,750$2,250
- 63348 $1,980$2,540
- 63365 $1,540$1,980
- 63366 $1,540$1,980
- 63367 $1,900$2,440
- 63368 $1,760$2,260
- 63373 $1,320$1,690
- 63376 $1,490$1,910
- 63385 $1,540$1,980
- 63386 $1,410$1,810
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In St. Charles County, 42% of renter households are in that position; in Missouri, 46%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
42%
of renter households spend 30% or more of their income on rent.
31,413 households rent in St. Charles County
- Spend half or more of their income 20%
- Spend 30% or more, but less than half 22%
- Spend less than 30% 58%
Compared with the state and the country
- St. Charles 42%
- Missouri 46%
- United States 51%
Low-income apartments
Low-income apartments in St. Charles County
HUD lists 55 properties with homes for low-income households in St. Charles County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 45
- HUD-assisted
- 10
- public housing
- 1
2,944 homes in all; 2,662 of them low-income, according to HUD.
- Ashwood Apts Tax credit (LIHTC) 1400 Park Ashwood Ct, Saint Charles 63304 276 low-income homes · 2 bd: 180 · 3 bd: 96 · In service since 2000
- Peine Lakes Apts Tax credit (LIHTC) 2111 Peine Lakes Dr, Wentzville 63385 256 low-income homes · 1 bd: 36 · 2 bd: 124 · 3 bd: 96 · In service since 2006 · For people with disabilities, families
- Hidden Valley Estates Tax credit (LIHTC) 1450 Tree Top Ct, Wentzville 63385 200 low-income homes · 2 bd: 92 · 3 bd: 108 · In service since 2004 · For people with disabilities, families
- Hidden Valley Estates HUD-assisted 1290 Meadow Ridge Dr, Wentzville 63385 200 low-income homes · For families · (636) 332-5003
- Fox Hill Apartments HUD-assisted 800 Fox Chase Dr, Saint Charles 63301 160 low-income homes · For families · (636) 946-4964
- Jaycee Fairgrounds Village Tax credit (LIHTC) · HUD-assisted 1355 Fairgrounds Rd, Saint Charles 63301 135 homes, 134 low-income · 1 bd: 134 · 2 bd: 1 · In service since 2013 · For older adults, people with disabilities · (636) 947-1324
- Bellemeade Manor Tax credit (LIHTC) 316 McGavock St, St Peters 63376 100 homes, 80 low-income · 2 bd: 100 · In service since 2012 · For older adults, people with disabilities
- Park Ridge Public housing 1829 W Randolph St, Saint Charles 63301 70 low-income homes · Run by Housing Authority of the City of St. Charles · Average payment: $426 a month · Average wait: 42 months · (636) 946-6577
- Caterbury Park Apts Tax credit (LIHTC) 1001 Highway 79, St Peters 63376 66 low-income homes · 2 bd: 66 · In service since 2002
- Gentemann Manor Tax credit (LIHTC) 1100 Meadow Pointe Dr, O Fallon 63366 60 low-income homes · 2 bd: 60 · In service since 2005 · For older adults, people with disabilities
- Homefield Villas Tax credit (LIHTC) 634 Golden Villa Ave, O Fallon 63366 60 low-income homes · 2 bd: 60 · In service since 2011 · For older adults, people with disabilities
- Wyndham Park Tax credit (LIHTC) 300 Wyndham Park Dr, St Peters 63376 60 low-income homes · 2 bd: 60 · In service since 2006 · For older adults
- Church Street Village HUD-assisted 615 S Church St, Saint Peters 63376 57 low-income homes · For older adults · (636) 279-7118
- ST Peters Villa Tax credit (LIHTC) 500 Starwood Dr, St Peters 63376 54 low-income homes · 1 bd: 36 · 2 bd: 18 · In service since 1996
- Wyndham Park II Tax credit (LIHTC) 8000 Wyndham Park Dr, St Peters 63376 54 low-income homes · 2 bd: 54 · In service since 2007 · For older adults, people with disabilities
- Mill Pond Drive Senior Housing HUD-assisted 1101 Mill Pond Cir, O Fallon 63366 52 low-income homes · For older adults · (636) 240-6371
- Hillmann Place II Tax credit (LIHTC) 8100 Hillmann Place Cir, O Fallon 63366 56 homes, 50 low-income · 1 bd: 16 · 2 bd: 40 · In service since 2017 · For older adults
- Grace Garden Apartments HUD-assisted 116 W Pitman St, O Fallon 63366 50 homes, 49 low-income · For older adults · (636) 281-2201
- Green Gables II Senior Living Tax credit (LIHTC) 1001 Green Gables Cir, Wentzville 63385 48 low-income homes · 1 bd: 12 · 2 bd: 36 · In service since 2011 · For older adults
- Queensbrooke Village Senior Living Phase Tax credit (LIHTC) 411 Elizabeth Dr, Saint Peters 63376 48 low-income homes · 1 bd: 12 · 2 bd: 36 · In service since 2016 · For older adults
- Twin Oaks at Stone Ridge Tax credit (LIHTC) 280 Santa Elena Dr, Wentzville 63385 48 low-income homes · In service since 2013 · For older adults, people with disabilities
- Townhomes at Homefield Tax credit (LIHTC) 828 Home Town Loop, O Fallon 63366 48 homes, 42 low-income · 2 bd: 32 · 3 bd: 16 · In service since 2011 · For people with disabilities, families
- Jaycee Terrace HUD-assisted 1111 Boones Lick Rd, Saint Charles 63301 43 homes, 42 low-income · For older adults · (636) 949-8878
- Hillmann Place Tax credit (LIHTC) 1000 Hillmann Place Cir, O Fallon 63366 42 low-income homes · In service since 2012 · For older adults, people with disabilities
- Woodbury Place II Tax credit (LIHTC) 228 Woodbury Place Cir, O Fallon 63366 42 low-income homes · 1 bd: 14 · 2 bd: 28 · In service since 2015 · For older adults
- Woodbury Place Phase I Tax credit (LIHTC) 227 Woodbury Place Cir, O Fallon 63366 42 low-income homes · 2 bd: 42 · In service since 2011 · For older adults, people with disabilities
- Falcons Way Townhomes Tax credit (LIHTC) 2516 Falcons Way, Saint Charles 63303 40 low-income homes · 2 bd: 12 · 3 bd: 28 · In service since 2012 · For people with disabilities, families
- Hidden Terrace Townhomes Tax credit (LIHTC) 2500 Falcons Way, Saint Charles 63303 40 low-income homes · 2 bd: 11 · 3 bd: 29 · In service since 1995
- ST. William Apartments I HUD-assisted 1979 Hanley Rd, Dardenne Prairie 63368 40 low-income homes · For older adults · (636) 695-4200
- Triangle III Tax credit (LIHTC) 1511 Triangle Dr, Saint Peters 63303 40 low-income homes · 1 bd: 8 · 2 bd: 32 · In service since 2013 · For people with disabilities, families
- Aspen Trails II Tax credit (LIHTC) 200 Troyers Run, Saint Peters 63376 38 low-income homes · 2 bd: 38 · In service since 2018 · For older adults
- ST. William Apartments II HUD-assisted 1983 Hanley Rd, Dardenne Prairie 63368 38 low-income homes · For older adults · (636) 695-4206
- West Clay Senior Living Phase II Tax credit (LIHTC) 2800 W Clay Valley Dr, Saint Charles 63301 38 low-income homes · 1 bd: 6 · 2 bd: 32 · In service since 2020 · For older adults
- Hickory Hollow Tax credit (LIHTC) 117 Hickory Trl, Wentzville 63385 37 low-income homes · 3 bd: 37 · In service since 2006 · For people with disabilities, families
- Villas at Peruque Hills II Tax credit (LIHTC) 301 Peruque Valley Dr, Wentzville 63385 32 homes, 27 low-income · 2 bd: 32 · In service since 2011 · For older adults, people with disabilities
- Crider Center Choices HUD-assisted 2701 Veterans Memorial Pkwy, Saint Charles 63303 14 low-income homes · For people with disabilities · (636) 332-2179
- Mod 1, 2 & 3 Tax credit (LIHTC) 1 Congressional Way Ct, O Fallon 63368 8 low-income homes · Studio: 8 · In service since 1993
- 1414 Coco PL Tax credit (LIHTC) 1414 Coco Pl, Wentzville 63385 1 low-income home · 3 bd: 1 · In service since 1994
- 1416 Coco PL Tax credit (LIHTC) 1416 Coco Pl, Wentzville 63385 1 low-income home · 3 bd: 1 · In service since 1994
- 1418 Coco PL Tax credit (LIHTC) 1418 Coco Pl, Wentzville 63385 1 low-income home · 3 bd: 1 · In service since 1994
- 1420 Coco PL Tax credit (LIHTC) 1420 Coco Pl, Wentzville 63385 1 low-income home · 3 bd: 1 · In service since 1994
- 1422 Coco PL Tax credit (LIHTC) 1422 Coco Pl, Wentzville 63385 1 low-income home · 3 bd: 1 · In service since 1994
- 1424 Coco PL Tax credit (LIHTC) 1424 Coco Pl, Wentzville 63385 1 low-income home · 3 bd: 1 · In service since 1994
- 408 White Chapel DR Tax credit (LIHTC) 408 White Chapel Dr, O Fallon 63368 1 low-income home · 3 bd: 1 · In service since 1993
- 703 Fernwood Ter Tax credit (LIHTC) 703 Fernwood Ter, Lake St Louis 63367 1 low-income home · 2 bd: 1 · In service since 1989
- 704 Fernwood Ter Tax credit (LIHTC) 704 Fernwood Ter, Lake St Louis 63367 1 low-income home · 2 bd: 1 · In service since 1989
- 705 Fernwood Ter Tax credit (LIHTC) 705 Fernwood Ter, Lake St Louis 63367 1 low-income home · 3 bd: 1 · In service since 1988
- O'fallon Lakes Apts Tax credit (LIHTC) 2111 Ofallon Lake Dr, O Fallon 63366 132 homes
- CCRC of O'fallon Tax credit (LIHTC) 204 N Main St, O Fallon 63366 39 homes
- Gentemann III Tax credit (LIHTC) 3100 Meadow Pointe Dr, O Fallon 63366 39 homes
- Villas at Peruque Hills Tax credit (LIHTC) 112 Peruque Valley Dr, Wentzville 63385 32 homes
- Lake Ridge Tax credit (LIHTC) 2901 Technology Dr, Lake St Louis 63367 1 bd: 22 · 2 bd: 27 · In service since 2016 · For older adults
- Stone Ridge Villas Tax credit (LIHTC) 280 Santa Elena Dr, Wentzville 63385 2 bd: 20 · In service since 2016 · For older adults
- Town Square Apartments Tax credit (LIHTC) 900 Towne Square Dr, Dardenne Prairie 63368 2 bd: 24 · 3 bd: 24 · In service since 2016
- West Clay Senior Living Tax credit (LIHTC) 2800 W Clay Valley Dr, Saint Charles 63301 1 bd: 25 · 2 bd: 35 · In service since 2016 · For older adults
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in St. Charles County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 2 agencies serve in St. Charles County. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $23,850 | $39,750 | $63,600 |
| 2 people | $27,250 | $45,400 | $72,650 |
| 3 people | $30,650 | $51,100 | $81,750 |
| 4 people | $34,050 | $56,750 | $90,800 |
| 5 people | $38,680 | $61,300 | $98,100 |
| 6 people | $44,360 | $65,850 | $105,350 |
| 7 people | $50,040 | $70,400 | $112,600 |
| 8 people | $55,720 | $74,950 | $119,900 |
Area median income: $113,500. HUD income limits by family size, Fiscal year 2026. Area: St. Louis, MO-IL HUD Metro FMR Area. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $958 – $1,170
- 1 bedroom $994 – $1,214
- 2 bedrooms $1,214 – $1,484
- 3 bedrooms $1,558 – $1,904
- 4 bedrooms $1,797 – $2,197
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
- ST Charles County Housing Assistance Program Section 8 vouchers · 822 vouchers (573) 324-2055 ST Charles County Housing Assistance Program: mworthington@necac.org
- Housing Authority of the City of St. Charles Public housing and Section 8 vouchers · 305 vouchers · 70 public housing units (636) 946-6577 Housing Authority of the City of St. Charles: ExecutiveDirector@stcha.org
Housing agencies in Missouri Source: HUD, Retrieved November 6, 2026
Your rights as a tenant in Missouri
What Missouri law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- How much can they charge for a deposit?
- Up to 2 months of rent
- Mo. Rev. Stat. §535.300.1
- When must they return my deposit?
- 30 days
- Mo. Rev. Stat. §535.300.3
- Only a court order can remove youMo. Rev. Stat. §441.233.1
- Repair and deduct from the rentMo. Rev. Stat. §441.234.1-.2
Help
Where to get help with rent in St. Charles County
These are the nearest HUD-approved agencies. They counsel for free or at low cost.
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Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center
9420 W Florissant Ave, Saint Louis · 22 miles away
- Mortgage delinquency and default
- Fair housing pre-purchase workshops
- and 5 more
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Urban League of Metropolitan Saint Louis - ST. Louis County Operations
2900 Pershall Rd, Saint Louis · 22 miles away
- Mortgage delinquency and default
- Mortgage delinquency workshops
- and 6 more
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Better Family Life, Inc.
5415 Page Blvd, Saint Louis · 23 miles away
- Mortgage delinquency and default
- Budget and financial counseling
- and 5 more
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in St. Charles County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Missouri, the average home bill was $129 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,698
What you need before you get the keys.
What adds up
- First month
- $1,349
- Security deposit
- $1,349
- Total
- $2,698
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in St. Charles County?
According to HUD (Fiscal year 2027): Studio: $1,064; 1 bedroom: $1,104; 2 bedrooms: $1,349; 3 bedrooms: $1,731; 4 bedrooms: $1,997. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in St. Charles County?
Paying the 2-bedroom fair market rent ($1,349) without spending more than 30% of income takes $25.94 an hour full time, or $53,960 a year.
Who qualifies for Section 8 in St. Charles County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $56,750 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in St. Charles County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,214 and $1,484 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in St. Charles County?
For 2 bedrooms they run from $1,320 in 63373 to $1,980 in 63348. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in St. Charles County?
HUD lists 55 properties with homes for low-income households in St. Charles County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in St. Charles County?
HUD counts rent as a burden when it reaches 30% of income or more. In St. Charles County, 42% of renter households are in that position; in Missouri, 46%, and nationwide, 51% (Average 2020–2024, Census).