City · 59,092 residents · St. Charles County, Missouri
St. Peters, Missouri
In St. Peters, a typical home is worth $269,900 and typical rent is $1,321 a month. Compared with all of St. Charles County, the typical home value is 16% lower and typical household income is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $247,204 to $320,850.
Typical rent
$1,687a month
▲ 5.5% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,336 to $1,687.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
St. Peters 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
The typical home in St. Peters is worth $269,900,16% less than in St. Charles County as a whole ($320,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in St. Peters
What homes there are in St. Peters, 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
St. Peters
St. Charles County
Missouri
United States
Kind of home: St. Peters and its comparisons
Measure
St. Peters
St. Charles County
Missouri
United States
Detached house
68%
75%
71%
61%
Attached house
10%
8%
4%
6%
Building of 2 to 4
8%
4%
8%
8%
Apartments (5 or more)
12%
11%
13%
19%
Mobile home
2%
3%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In St. Peters, 7 in 10 homes are single-family detached houses; in St. Charles County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
St. Peters
St. Charles County
Missouri
United States
Year built: St. Peters and its comparisons
Measure
St. Peters
St. Charles County
Missouri
United States
Before 1960
3%
7%
27%
26%
1960–1979
23%
18%
25%
24%
1980–1999
50%
36%
25%
25%
2000–2009
13%
21%
13%
14%
2010 or later
12%
18%
10%
11%
Homes in St. Peters are older: the typical year built is 1988; in St. Charles County, 1994.
There are fewer big homes in St. Peters than in St. Charles County: 69% have 3 bedrooms or more, against 76%.
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 $100K6%
$100K–$200K14%
$200K–$300K43%
$300K–$500K35%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: St. Peters and its comparisons
Measure
St. Peters
Under $100K
6%
$100K–$200K
14%
$200K–$300K
43%
$300K–$500K
35%
$500K–$750K
2%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
By price, most homes in St. Peters sit under the FHA limit for St. Charles County ($541,287): about 98%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99926%
$1,000–$1,49931%
$1,500–$1,99923%
$2,000–$2,49911%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: St. Peters and its comparisons
Measure
St. Peters
Under $500
Unreliable estimate
$500–$999
26%
$1,000–$1,499
31%
$1,500–$1,999
23%
$2,000–$2,499
11%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,638 a month
St. Charles County: $1,866 a month
Without a mortgage
$638 a month
St. Charles County: $696 a month
Owners with a mortgage
71%
St. Charles County: 71%
The typical cost for an owner with a mortgage in St. Peters is $1,638 a month, less than in St. Charles County ($1,866); without one, $638.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
St. Peters+48%
St. Charles County+46%
Missouri+47%
United States+53%
Typical rent
St. Peters+33%
St. Charles County+32%
Missouri+25%
United States+33%
Typical household income
St. Peters+16%
St. Charles County+23%
Missouri+28%
United States+29%
Change since 2015–2019: St. Peters and its comparisons
Measure
St. Peters
St. Charles County
Missouri
United States
Typical home value
+48%
+46%
+47%
+53%
Typical rent
+33%
+32%
+25%
+33%
Typical household income
+16%
+23%
+28%
+29%
Much as in St. Charles County, the typical home value in St. Peters rose 48% since 2015–2019.
The typical rent in St. Peters rose 33% since 2015–2019, about the same as in St. Charles County (32%).
The typical household income in St. Peters rose 16%: less than home values (+48%) and rent (+33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: St. Peters and its comparisons
Measure
St. Peters
St. Charles County
Missouri
United States
Rental vacancy
9.1%
6.2%
5.0%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.9%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.7%
3.4%
People per household
2.39
2.53
2.40
2.53
Drive alone
73%
74%
75%
69%
Carpool
7%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
1%
1%
2%
3%
Work from home
17%
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
In St. Peters, the rental vacancy rate is 9.1%; in St. Charles County, 6.2%.
Fewer people live in each home here: 2.39 on average, against 2.53 in St. Charles County.
In St. Peters, 73% of workers drive alone to work; in St. Charles County, 74%.
Do the math
What would you pay each month for a home in St. Peters?
A typical home is tight for the typical income
We start with a typical home in St. Peters, worth $269,900, 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 St. Peters, which is $91,637 a year. For that payment to be 28% of income, a household would need to earn about $98,347 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 St. Peters. 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 $9,447 (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
$2,295
at 7.18% · 30 years
Loan amount
$265,011
Total interest
$381,289
Paid off in
November 2056
Includes $4,558 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,138 a month
Tight
$2,138 to $2,749 a month
Your payment · 30%
Hard
more than $2,749 a month
Compared with the typical household income in St. Peters ($91,637 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,795
Property tax
$268
Home insurance
$113
FHA mortgage insurance (MIP)
$119
You need at least $9,447 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 $2,295; principal and interest $1,795.
The city and its county
St. Peters and St. Charles County
St. Peters 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. Peters
Map of St. Charles County, Missouri, with St. Peters marked. Around it, the neighboring counties.
St. Peters
St. Charles County
Other cities with a page
St. Peters's own numbers
Typical home value
$269,900
Typical monthly rent
$1,321
Typical yearly household income
$91,637
Households that own their home
79%
Effective property tax rate
1.19%
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 St. Peters is worth $269,900: 16% below the county and 17% above Missouri. With the typical household income in St. Peters ($91,637 a year), a typical home costs 2.9 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. Peters2.9 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
St. Peters 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. Peters$269,900
St. Charles$320,800
Missouri$230,300
United States$332,700
Typical monthly rent
St. Peters$1,321
St. Charles$1,370
Missouri$1,033
United States$1,413
Typical yearly household income
St. Peters$91,637
St. Charles$104,692
Missouri$70,702
United States$80,734
See the full table
St. Peters next to St. Charles County and Missouri
Measure
St. Peters
St. Charles County
Missouri
U.S.
Typical home value
$269,900 ▼16% below the county
$320,800
$230,300
$332,700
Typical monthly rent
$1,321 ▼4% below the county
$1,370
$1,033
$1,413
Typical yearly household income
$91,637 ▼12% below the county
$104,692
$70,702
$80,734
Households that own their home
79% ▼2 points below the county
81%
68%
65%
Typical yearly property tax
$3,207 ▼8% below the county
$3,480
$1,948
$3,119
Effective property tax rate
1.19% ▲0.11 points above the county
1.08%
0.85%
0.94%
Renters with high rent for their income
48% ▲6 points above the county
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. Peters
For a typical $269,900 home in St. Peters, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Peters's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,295a month
Least cash to close
Down payment
$9,447
Cash to close
$17,544
Rate
7.18%
Mortgage insurance
FHA MIP · $119
Conventional, 5% down$2,245a month
Down payment
$13,495
Cash to close
$21,592
Rate
7.18%
Mortgage insurance
PMI · $128
Conventional, 20% down, no PMI$1,843a month
Down payment
$53,980
Cash to close
$62,077
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,092a month
Down payment
$40,485
Cash to close
$48,582
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in St. Peters
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,295
$9,447
$265,011
7.18%
FHA MIP · $119
$17,544
580
Conventional, 5% down
$2,245
$13,495
$256,405
7.18%
PMI · $128
$21,592
620*
Conventional, 20% down, no PMI
$1,843
$53,980
$215,920
7.18%
None
$62,077
620*
ITIN, 15% down (example)
$2,092
$40,485
$229,415
8.18%
None
$48,582
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 St. Peters and for St. Charles County.
Property tax
Effective rate in St. Peters
1.19%of the home’s value each year
$3,207 a year for the typical owner in St. Peters.
St. Peters1.19%
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 St. Peters is $1,321 a month: 4% below the county. In St. Peters, 48% 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 St. Peters
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Peters is in ZIP code 63376.
For 2 bedrooms it is $1,490: $141 more than the fair market rent for St. Charles County ($1,349).
Fair market rent by ZIP code and size in St. Peters, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63376
$1,180
$1,220
$1,490
$1,910
$2,210
ZIP code2 bd3 bd
63376 $1,490$1,910
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Peters 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 5 buildings with rents for lower incomes in St. Peters. These are the largest.
Bellemeade Manor316 McGavock St, St Peters 63376100 homes, 80 low-income · 2 bd: 100 · In service since 2012 · For older adults, people with disabilities
Caterbury Park Apts1001 Highway 79, St Peters 6337666 low-income homes · 2 bd: 66 · In service since 2002
Wyndham Park300 Wyndham Park Dr, St Peters 6337660 low-income homes · 2 bd: 60 · In service since 2006 · For older adults
ST Peters Villa500 Starwood Dr, St Peters 6337654 low-income homes · 1 bd: 36 · 2 bd: 18 · In service since 1996
Wyndham Park II8000 Wyndham Park Dr, St Peters 6337654 low-income homes · 2 bd: 54 · In service since 2007 · For older adults, people with disabilities
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 St. Peters or St. Charles County. The ones below are statewide in Missouri: they work in St. Peters 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 St. Peters 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 St. Peters 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. Peters?
The typical home value in St. Peters is $269,900, 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. Peters?
Typical rent in St. Peters is $1,321 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. Peters?
St. Peters 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. Peters?
The typical homeowner in St. Peters pays $3,207 a year, according to the U.S. Census Bureau. That is 1.19% 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. Peters?
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.
