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City · 5,310 residents · St. Charles County, Missouri

Weldon Spring , Missouri

In Weldon Spring, a typical home is worth $544,300. Compared with all of St. Charles County, the typical home value is 70% higher and typical household income is 51% higher.

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  • Typical home value

    $544,300

    70% above the county

    136% above Missouri

    • Weldon Spring
    • St. Charles
    • Missouri

  • Typical household income

    $158,548a year

    51% above the county

    124% above Missouri

    • Weldon Spring
    • St. Charles
    • Missouri

  • Households that own their home

    83%

    3 points above the county

    15 points above Missouri

    • Weldon Spring
    • St. Charles
    • Missouri

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

Market now, with Zillow data

Zillow data
Typical home value
$632,393
3.5% more than 12 months ago
Typical rent
$1,588 a month

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

Weldon Spring 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 Weldon Spring apart

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

  1. The typical home in Weldon Spring is worth $544,300, 70% more than in St. Charles County as a whole ($320,800).

  2. Weldon Spring has the 3rd largest share of rent-burdened renters of the 131 cities in Missouri with more than 5,000 people (74%).

  3. Nearby, in St. Peters, the typical home value is $269,900: 50% less than in Weldon Spring ($544,300).

  4. The typical household income in Weldon Spring is $158,548, 51% more than in St. Charles County as a whole ($104,692).

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

The homes here

Housing in Weldon Spring

What homes there are in Weldon Spring, 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

As in St. Charles County, most homes in Weldon Spring are detached houses (76%).

Year built

In Weldon Spring, half of the homes were built before 1995; in St. Charles County, before 1994.

In Weldon Spring, 76% of homes have 3 bedrooms or more, about the same as in St. Charles County.

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

$2,569 a month

St. Charles County: $1,866 a month

Without a mortgage

$1,002 a month

St. Charles County: $696 a month

Owners with a mortgage

63%

St. Charles County: 71%

In Weldon Spring, 63% of owners have a mortgage, and their typical cost is $2,569 a month, against $1,866 in St. Charles County. Without one it drops to $1,002.

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

Homes in Weldon Spring gained value more slowly than in St. Charles County: 37% since 2015–2019, against 46%.

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

MeasureWeldon SpringSt. 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 2.572.532.402.53
Drive alone 65%74%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 31%18%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Weldon Spring has 2.57 people on average, about the same as in St. Charles County (2.53).

In Weldon Spring, 31% of workers work from home, more than in St. Charles County (18%).

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 Weldon Spring?

A typical home is tight for the typical income

We start with a typical home in Weldon Spring, worth $544,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Weldon Spring, which is $158,548 a year. For that payment to be 28% of income, a household would need to earn about $193,474 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 Weldon Spring. 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 $19,051 (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

$4,514

at 7.18% · 30 years

Loan amount
$534,441
Total interest
$768,935
Paid off in
November 2056

Includes $9,192 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,699 a month

  • Tight

    $3,699 to $4,756 a month

    Your payment · 34%

  • Hard

    more than $4,756 a month

Compared with the typical household income in Weldon Spring ($158,548 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,514
Principal & interest$3,620
Property tax$426
Home insurance$227
FHA mortgage insurance (MIP)$241

You need at least $19,051 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

Weldon Spring and St. Charles County

Weldon Spring 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).

Weldon Spring's own numbers

Typical home value
$544,300
Typical yearly household income
$158,548
Households that own their home
83%
Effective property tax rate
0.94%

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 Weldon Spring

A typical home in Weldon Spring is worth $544,300: 70% above the county and 136% above Missouri. With the typical household income in Weldon Spring ($158,548 a year), a typical home costs 3.4 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.

  • Weldon Spring 3.4 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

Weldon Spring 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
  • Weldon Spring $544,300
  • St. Charles $320,800
  • Missouri $230,300
  • United States $332,700
Typical yearly household income
  • Weldon Spring $158,548
  • St. Charles $104,692
  • Missouri $70,702
  • United States $80,734
See the full table
Weldon Spring next to St. Charles County and Missouri
Measure Weldon Spring St. Charles County Missouri U.S.
Typical home value $544,300 $320,800 $230,300 $332,700
Typical yearly household income $158,548 $104,692 $70,702 $80,734
Households that own their home 83% 81% 68% 65%
Typical yearly property tax $5,126 $3,480 $1,948 $3,119
Effective property tax rate 0.94% 1.08% 0.85% 0.94%
Renters with high rent for their income 74% 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 Weldon Spring

For a typical $544,300 home in Weldon Spring, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Weldon Spring's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,514a month

    Least cash to close
    Down payment
    $19,051
    Cash to close
    $35,380
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $241

  • Conventional, 5% down $4,415a month

    Down payment
    $27,215
    Cash to close
    $43,544
    Rate
    7.18%
    Mortgage insurance
    PMI · $259

  • Conventional, 20% down, no PMI $3,603a month

    Down payment
    $108,860
    Cash to close
    $125,189
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,106a month

    Down payment
    $81,645
    Cash to close
    $97,974
    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 Weldon Spring and for St. Charles County.

Property tax

Effective rate in Weldon Spring

0.94%of the home’s value each year

$5,126 a year for the typical owner in Weldon Spring.

  • Weldon Spring 0.94%
  • 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 Weldon Spring

The Census Bureau publishes no typical rent for Weldon Spring. Below are the fair market rents for St. Charles County. In Weldon Spring, 74% 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 Weldon Spring

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Weldon Spring is in ZIP code 63304.

For 2 bedrooms it is $1,960: $611 more than the fair market rent for St. Charles County ($1,349).

  • 63304 $1,960$2,520

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

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Weldon Spring

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

The HUD-approved agencies closest to the center of Weldon Spring, 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 · 16 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (314) 863-0015

  • Beyond Housing

    6506 Wright Way, Saint Louis · 20 miles away

    • Budget and financial counseling
    • Home improvement and repairs
    • and 2 more
    (314) 533-0600

  • Urban League of Metropolitan Saint Louis Inc - Ferguson Community Empowerment Center

    9420 W Florissant Ave, Saint Louis · 20 miles away

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

All counseling agencies in Missouri

Help in Spanish near Weldon Spring

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 Weldon Spring

HUD’s record names them for Weldon Spring 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 Weldon Spring, 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 Weldon Spring.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Weldon Spring

Short answers with the numbers for Weldon Spring 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 Weldon Spring?

The typical home value in Weldon Spring is $544,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in St. Charles County it is $320,800.

What is the FHA loan limit in Weldon Spring?

Weldon Spring 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 Weldon Spring?

The typical homeowner in Weldon Spring pays $5,126 a year, according to the U.S. Census Bureau. That is 0.94% 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 Weldon Spring?

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).