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City · 71,508 residents · St. Charles County, Missouri

St. Charles , Missouri

In St. Charles, a typical home is worth $298,700 and typical rent is $1,251 a month. Compared with all of St. Charles County, typical household income is 18% lower, typical rent is 9% lower, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $298,700

    7% below the county

    30% above Missouri

    • St. Charles
    • County
    • Missouri

  • Typical rent

    $1,251a month

    9% below the county

    21% above Missouri

    • St. Charles
    • County
    • Missouri

  • Typical household income

    $85,937a year

    18% below the county

    22% above Missouri

    • St. Charles
    • County
    • Missouri

  • Households that own their home

    68%

    13 points below the county

    About the same as Missouri

    • St. Charles
    • County
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$345,233
2.4% more than 12 months ago
Typical rent
$1,485 a month
3.4% more than 12 months ago

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

St. Charles 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 St. Charles apart

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

  1. Nearby, in Hazelwood, the typical home value is $167,400: 44% less than in St. Charles ($298,700).

  2. Nearby, in Hazelwood, the typical rent is $996: 20% less than in St. Charles ($1,251).

  3. 68% of households in St. Charles own their home, against 81% in St. Charles County.

  4. The typical household income in St. Charles is $85,937, 18% less than in St. Charles County as a whole ($104,692).

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

The detached house is still the most common home in St. Charles, but it weighs less than in St. Charles County: 59% against 75%.

Year built

In St. Charles, half of the homes were built before 1986; in St. Charles County, before 1994.

Homes in St. Charles are smaller: 60% 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

By price, most homes in St. Charles sit under the FHA limit for St. Charles County ($541,287): about 90%.

Monthly rent with utilities

About 57% of rented homes in St. Charles cost less than HUD's 2-bedroom fair market rent for St. Charles County ($1,349); the rest cost more.

With a mortgage

$1,808 a month

St. Charles County: $1,866 a month

Without a mortgage

$682 a month

St. Charles County: $696 a month

Owners with a mortgage

65%

St. Charles County: 71%

The typical cost for an owner with a mortgage in St. Charles is $1,808 a month, near the figure in St. Charles County ($1,866).

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 St. Charles rose 49% since 2015–2019, about the same as in St. Charles County (46%).

The typical rent in St. Charles rose 27% over the same time; in St. Charles County, it rose 32%.

The typical household income in St. Charles rose 26% over that time; home values changed +49% and rent +27%.

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

MeasureSt. CharlesSt. Charles CountyMissouriUnited States
Rental vacancy 6.8%6.2%5.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.9%0.9%
More than one person per room 1.3%1.0%1.7%3.4%
People per household 2.202.532.402.53
Drive alone 74%74%75%69%
Carpool 5%6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 2%1%2%3%
Work from home 18%18%13%15%
Other means 1%1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in St. Charles County, the rental vacancy rate in St. Charles is 6.8%.

More than one person per room: that is how 1.3% of households in St. Charles live, near the figure in St. Charles County (1.0%).

Households in St. Charles are smaller: 2.20 people on average; in St. Charles County, 2.53.

To get to work, 74% of workers in St. Charles drive alone; 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 St. Charles?

A typical home is tight for the typical income

We start with a typical home in St. Charles, worth $298,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in St. Charles, which is $85,937 a year. For that payment to be 28% of income, a household would need to earn about $107,348 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 St. Charles. 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 $10,455 (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

$2,505

at 7.18% · 30 years

Loan amount
$293,289
Total interest
$421,974
Paid off in
November 2056

Includes $5,044 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,005 a month

  • Tight

    $2,005 to $2,578 a month

    Your payment · 35%

  • Hard

    more than $2,578 a month

Compared with the typical household income in St. Charles ($85,937 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,505
Principal & interest$1,987
Property tax$261
Home insurance$125
FHA mortgage insurance (MIP)$132

You need at least $10,455 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

St. Charles and St. Charles County

St. Charles 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).

St. Charles's own numbers

Typical home value
$298,700
Typical monthly rent
$1,251
Typical yearly household income
$85,937
Households that own their home
68%
Effective property tax rate
1.05%

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 St. Charles

A typical home in St. Charles is worth $298,700: 7% below the county and 30% above Missouri. With the typical household income in St. Charles ($85,937 a year), a typical home costs 3.5 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. Charles 3.5 years
  • County 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

St. Charles 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
  • St. Charles $298,700
  • County $320,800
  • Missouri $230,300
  • United States $332,700
Typical monthly rent
  • St. Charles $1,251
  • County $1,370
  • Missouri $1,033
  • United States $1,413
Typical yearly household income
  • St. Charles $85,937
  • County $104,692
  • Missouri $70,702
  • United States $80,734
See the full table
St. Charles next to St. Charles County and Missouri
Measure St. Charles St. Charles County Missouri U.S.
Typical home value $298,700 $320,800 $230,300 $332,700
Typical monthly rent $1,251 $1,370 $1,033 $1,413
Typical yearly household income $85,937 $104,692 $70,702 $80,734
Households that own their home 68% 81% 68% 65%
Typical yearly property tax $3,126 $3,480 $1,948 $3,119
Effective property tax rate 1.05% 1.08% 0.85% 0.94%
Renters with high rent for their income 39% 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 St. Charles

For a typical $298,700 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 $2,505a month

    Least cash to close
    Down payment
    $10,455
    Cash to close
    $19,416
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $132

  • Conventional, 5% down $2,450a month

    Down payment
    $14,935
    Cash to close
    $23,896
    Rate
    7.18%
    Mortgage insurance
    PMI · $142

  • Conventional, 20% down, no PMI $2,005a month

    Down payment
    $59,740
    Cash to close
    $68,701
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,281a month

    Down payment
    $44,805
    Cash to close
    $53,766
    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 St. Charles and for St. Charles County.

Property tax

Effective rate in St. Charles

1.05%of the home’s value each year

$3,126 a year for the typical owner in St. Charles.

  • St. Charles 1.05%
  • County 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 St. Charles

Typical rent in St. Charles is $1,251 a month: 9% below the county. In St. Charles, 39% 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 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 $1,400 in 63301 to $1,680 in 63303.

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

  • 63301 $1,400$1,800
  • 63303 $1,680$2,160

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 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 St. Charles

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 St. Charles

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

The HUD-approved agencies closest to the center of St. Charles, 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 · 10 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 · 13 miles away

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

  • Urban League of Metropolitan Saint Louis - ST. Louis County Operations

    2900 Pershall Rd, Saint Louis · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    314-615-3600-644

All counseling agencies in Missouri

Help in Spanish near St. Charles

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 St. Charles

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

  • Housing Authority of the City of St. Charles Public housing and Section 8 vouchers (636) 946-6577
  • ST Charles County Housing Assistance Program Section 8 vouchers (573) 324-2055

All housing agencies in Missouri 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 St. Charles, 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 St. Charles.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about St. Charles

Short answers with the numbers for St. Charles 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 St. Charles?

The typical home value in St. Charles is $298,700, 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 St. Charles?

Typical rent in St. Charles is $1,251 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 St. Charles?

St. Charles 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 St. Charles?

The typical homeowner in St. Charles pays $3,126 a year, according to the U.S. Census Bureau. That is 1.05% 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 St. Charles?

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).