Saint Charles, IL—60174
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Charles, IL
As of Oct '25, the median home price in Saint Charles, IL is $412,000, with a year-over-year change of 5.0%. This indicates that home prices in Saint Charles, IL are increasing. According to Zillow, the 1-year price projection is 1.2%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $412,000 | 5.0% |
| Single Family | $419,000 | 5.0% |
| Condos | $305,000 | 6.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $316,000 | 4.6% |
3 Bed | $379,000 | 5.0% |
4 Bed | $530,000 | 4.7% |
| 5 Bed | $692,000 | 4.5% |
% of Housing Stock
Rental Trends — Saint Charles, IL
As of July '25, Rentcast reports the average rent in Saint Charles, IL is $2,220, with a year-over-year rent change of -9.8%. Per bedroom, the median rent as of July '25 in Saint Charles, IL is studios: $1,780, 1-bedrooms: $1,790, 2-bedrooms: $2,240, 3-bedrooms: $2,960, 4-bedrooms: $3,240. The most common rental property sizes in Saint Charles, IL are 2-bedroom and 1-bedroom, accounting for 48.8% and 26.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,050 | $2,220 |
| Studio Rent | $1,700 | $1,780 |
| 1 Bed Rent | $1,740 | $1,790 |
| 2 Bed Rent | $2,060 | $2,240 |
| 3 Bed Rent | $2,740 | $2,960 |
| 4 Bed Rent | $2,800 | $3,240 |
% of Rental Stock
Property Listings — Saint Charles, IL
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Charles, IL is 42. This is a increase of 1.0% from last year, suggesting that homes are sitting on the market about the same amount of time than last year. The percentage of listed homes with a reduced price is 11.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $522,000 | -7.0% |
Listing Count | 106 | 9.0% |
| Listings as % of Homes | 0.5% | 9.0% |
Days on Market | 42 | 1.0% |
Demographics — Saint Charles, IL
As of the latest ACS Survey released in 2023, Saint Charles, IL has a population of 30,500, which has decreased by -2.9% over the past 5 years. Saint Charles, IL is a moderately popular place for families, as children make up 19.6% of the population. The area has a highly educated workforce, with 48.8% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 13.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 30,500 | -2.9% |
% Under 18 | 19.6% | -9.3% |
% Seniors | 17.7% | 6.0% |
% WFH | 13.9% | 127.9% |
% w/ College Degree | 48.8% | 8.0% |
As of the latest ACS Survey released in 2023, Saint Charles, IL is a predominantly white area, with 75.2% of the population identifying as white. The white population has shrunk by 8.6% in the last 5 years. The second most common race or ethnicity in Saint Charles, IL is hispanic, making up 13.7% of the population. Foreign-born residents account for 9.4% of the population in Saint Charles, IL, and this percentage has decreased by 4.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 75.2% | -8.6% |
% Black | 2.8% | 115.4% |
% Hispanic | 13.7% | 12.3% |
% Asian | 3.9% | 44.4% |
% Foreign Born | 9.4% | -4.1% |
Mortgage and Risk — Saint Charles, IL
According to HUD data as of 2023, there were 483 mortgage originations in Saint Charles, IL, of which 89.0% of loans were conventional mortgages. The average loan-to-value was 59.0%, with 20.0% above 90% LTV (very high). This implies large mortgage risk in Saint Charles, IL. Investor activity is low, as 2.0% of loans were by investors. 12.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 483 |
% Conventional Loans | 89.0% |
% Government Loans | 11.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 12.0% |
Loan Activity
Rentals and Section 8 — Saint Charles, IL
As of 2024, the percent of homes in Saint Charles, IL under the Section 8 program is 4.1%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom and 2-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Saint Charles, IL, because HUD payments exceed market rent, while 3-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 166 |
Total Units Section 8 | 166 |
% Rentals under Section 8 | 4.1% |
% Occupied Section 8 | 97.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $130 | $1,740 | $1,870 |
| 2 Bedroom | $50 | $2,060 | $2,110 |
| 3 Bedroom | -$30 | $2,740 | $2,710 |
| 4 Bedroom | $380 | $2,800 | $3,180 |
Affordability — Saint Charles, IL
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $412,000 |
| Median Household Income | $102,000 |