City · 47,061 residents · St. Charles County, Missouri
Wentzville, Missouri
In Wentzville, a typical home is worth $331,300 and typical rent is $1,345 a month. Compared with all of St. Charles County, typical household income is 7% higher.
Typical home value from Zillow, September 2021 to September 2026: from $335,549 to $401,678.
Typical rent
$1,854a month
▲ 7.1% more than 12 months ago
Typical rent from Zillow, December 2021 to September 2026: from $1,396 to $1,854.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wentzville 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 Wright City, the typical rent is $894: 34% less than in Wentzville ($1,345).
2
Nearby, in Troy, the typical home value is $226,500: 32% less than in Wentzville ($331,300).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wentzville
What homes there are in Wentzville, 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
Wentzville
St. Charles County
Missouri
United States
Kind of home: Wentzville and its comparisons
Measure
Wentzville
St. Charles County
Missouri
United States
Detached house
82%
75%
71%
61%
Attached house
7%
8%
4%
6%
Building of 2 to 4
2%
4%
8%
8%
Apartments (5 or more)
8%
11%
13%
19%
Mobile home
Unreliable estimate
3%
5%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Wentzville, 8 in 10 homes are single-family detached houses; in St. Charles County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Wentzville
St. Charles County
Missouri
United States
Year built: Wentzville and its comparisons
Measure
Wentzville
St. Charles County
Missouri
United States
Before 1960
6%
7%
27%
26%
1960–1979
4%
18%
25%
24%
1980–1999
9%
36%
25%
25%
2000–2009
41%
21%
13%
14%
2010 or later
40%
18%
10%
11%
Homes in Wentzville are newer: the typical year built is 2008; in St. Charles County, 1994.
In Wentzville, 82% of homes have 3 bedrooms or more, more than in St. Charles County (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 $100K5%
$100K–$200K5%
$200K–$300K29%
$300K–$500K52%
$500K–$750K8%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Wentzville and its comparisons
Measure
Wentzville
Under $100K
5%
$100K–$200K
5%
$200K–$300K
29%
$300K–$500K
52%
$500K–$750K
8%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
About 93% of owner-occupied homes in Wentzville are worth less than the FHA loan limit for St. Charles County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99926%
$1,000–$1,49932%
$1,500–$1,99918%
$2,000–$2,49911%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wentzville and its comparisons
Measure
Wentzville
Under $500
Unreliable estimate
$500–$999
26%
$1,000–$1,499
32%
$1,500–$1,999
18%
$2,000–$2,499
11%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,938 a month
St. Charles County: $1,866 a month
Without a mortgage
$681 a month
St. Charles County: $696 a month
Owners with a mortgage
80%
St. Charles County: 71%
The typical cost for an owner with a mortgage in Wentzville is $1,938 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
Wentzville+45%
St. Charles County+46%
Missouri+47%
United States+53%
Typical rent
Wentzville+33%
St. Charles County+32%
Missouri+25%
United States+33%
Typical household income
Wentzville+24%
St. Charles County+23%
Missouri+28%
United States+29%
Change since 2015–2019: Wentzville and its comparisons
Measure
Wentzville
St. Charles County
Missouri
United States
Typical home value
+45%
+46%
+47%
+53%
Typical rent
+33%
+32%
+25%
+33%
Typical household income
+24%
+23%
+28%
+29%
Much as in St. Charles County, the typical home value in Wentzville rose 45% since 2015–2019.
Rents in Wentzville rose at about the same pace as in St. Charles County: 33% since 2015–2019, against 32%.
The typical household income in Wentzville rose 24%: less than home values (+45%) and rent (+33%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wentzville and its comparisons
Measure
Wentzville
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
Unreliable estimate
1.0%
1.7%
3.4%
People per household
2.86
2.53
2.40
2.53
Drive alone
74%
74%
75%
69%
Carpool
7%
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
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Wentzville are bigger: 2.86 people on average; in St. Charles County, 2.53.
In Wentzville, 74% of workers drive alone to work; in St. Charles County, 74%.
Do the math
What would you pay each month for a home in Wentzville?
A typical home is tight for the typical income
We start with a typical home in Wentzville, worth $331,300, 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 Wentzville, which is $112,394 a year. For that payment to be 28% of income, a household would need to earn about $120,129 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 Wentzville. 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 $11,596 (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
$2,803
at 7.18% · 30 years
Loan amount
$325,299
Total interest
$468,029
Paid off in
November 2056
Includes $5,595 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,623 a month
Tight
$2,623 to $3,372 a month
Your payment · 30%
Hard
more than $3,372 a month
Compared with the typical household income in Wentzville ($112,394 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,204
Property tax
$315
Home insurance
$138
FHA mortgage insurance (MIP)
$147
You need at least $11,596 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 $2,803; principal and interest $2,204.
The city and its county
Wentzville and St. Charles County
Wentzville 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).
Wentzville
Map of St. Charles County, Missouri, with Wentzville marked. Around it, the neighboring counties.
Wentzville
St. Charles County
Other cities with a page
Wentzville's own numbers
Typical home value
$331,300
Typical monthly rent
$1,345
Typical yearly household income
$112,394
Households that own their home
83%
Effective property tax rate
1.14%
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 Wentzville is worth $331,300: 3% above the county and 44% above Missouri. With the typical household income in Wentzville ($112,394 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.
Wentzville2.9 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
Wentzville 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
Wentzville$331,300
St. Charles$320,800
Missouri$230,300
United States$332,700
Typical monthly rent
Wentzville$1,345
St. Charles$1,370
Missouri$1,033
United States$1,413
Typical yearly household income
Wentzville$112,394
St. Charles$104,692
Missouri$70,702
United States$80,734
See the full table
Wentzville next to St. Charles County and Missouri
Measure
Wentzville
St. Charles County
Missouri
U.S.
Typical home value
$331,300 ▲3% above the county
$320,800
$230,300
$332,700
Typical monthly rent
$1,345
$1,370
$1,033
$1,413
Typical yearly household income
$112,394 ▲7% above the county
$104,692
$70,702
$80,734
Households that own their home
83% ▲2 points above the county
81%
68%
65%
Typical yearly property tax
$3,782 ▲9% above the county
$3,480
$1,948
$3,119
Effective property tax rate
1.14% ▲0.06 points above the county
1.08%
0.85%
0.94%
Renters with high rent for their income
52% ▲9 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 Wentzville
For a typical $331,300 home in Wentzville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wentzville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,803a month
Least cash to close
Down payment
$11,596
Cash to close
$21,535
Rate
7.18%
Mortgage insurance
FHA MIP · $147
Conventional, 5% down$2,742a month
Down payment
$16,565
Cash to close
$26,504
Rate
7.18%
Mortgage insurance
PMI · $157
Conventional, 20% down, no PMI$2,248a month
Down payment
$66,260
Cash to close
$76,199
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,555a month
Down payment
$49,695
Cash to close
$59,634
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wentzville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,803
$11,596
$325,299
7.18%
FHA MIP · $147
$21,535
580
Conventional, 5% down
$2,742
$16,565
$314,735
7.18%
PMI · $157
$26,504
620*
Conventional, 20% down, no PMI
$2,248
$66,260
$265,040
7.18%
None
$76,199
620*
ITIN, 15% down (example)
$2,555
$49,695
$281,605
8.18%
None
$59,634
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 Wentzville and for St. Charles County.
Property tax
Effective rate in Wentzville
1.14%of the home’s value each year
$3,782 a year for the typical owner in Wentzville.
Wentzville1.14%
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 Wentzville is $1,345 a month: about the same as the county. In Wentzville, 52% 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 Wentzville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wentzville is in ZIP code 63385.
For 2 bedrooms it is $1,540: $191 more than the fair market rent for St. Charles County ($1,349).
Fair market rent by ZIP code and size in Wentzville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
63385
$1,210
$1,260
$1,540
$1,980
$2,280
ZIP code2 bd3 bd
63385 $1,540$1,980
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wentzville 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 15 buildings with rents for lower incomes in Wentzville. These are the largest.
Peine Lakes Apts2111 Peine Lakes Dr, Wentzville 63385256 low-income homes · 1 bd: 36 · 2 bd: 124 · 3 bd: 96 · In service since 2006 · For people with disabilities, families
Hidden Valley Estates1450 Tree Top Ct, Wentzville 63385200 low-income homes · 2 bd: 92 · 3 bd: 108 · In service since 2004 · For people with disabilities, families
Hidden Valley Estates1290 Meadow Ridge Dr, Wentzville 63385200 low-income homes · For families(636) 332-5003
Green Gables II Senior Living1001 Green Gables Cir, Wentzville 6338548 low-income homes · 1 bd: 12 · 2 bd: 36 · In service since 2011 · For older adults
Twin Oaks at Stone Ridge280 Santa Elena Dr, Wentzville 6338548 low-income homes · In service since 2013 · 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 Wentzville or St. Charles County. The ones below are statewide in Missouri: they work in Wentzville 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 Wentzville 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 Wentzville 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 Wentzville?
The typical home value in Wentzville is $331,300, 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 Wentzville?
Typical rent in Wentzville is $1,345 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 Wentzville?
Wentzville 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 Wentzville?
The typical homeowner in Wentzville pays $3,782 a year, according to the U.S. Census Bureau. That is 1.14% 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 Wentzville?
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.
