Saint Charles, MO—63301
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Charles, MO
As of Oct '25, the median home price in Saint Charles, MO is $308,000, with a year-over-year change of 1.2%. This indicates that home prices in Saint Charles, MO are increasing. According to Zillow, the 1-year price projection is 0.8%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $308,000 | 1.2% |
| Single Family | $312,000 | 1.0% |
| Condos | $277,000 | 3.4% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $151,000 | 0.7% |
2 Bed | $247,000 | 0.4% |
3 Bed | $300,000 | 1.0% |
4 Bed | $425,000 | 2.2% |
| 5 Bed | $514,000 | 1.4% |
% of Housing Stock
Rental Trends — Saint Charles, MO
As of July '25, Rentcast reports the average rent in Saint Charles, MO is $1,980, with a year-over-year rent change of 5.3%. Per bedroom, the median rent as of July '25 in Saint Charles, MO is studios: $1,910, 1-bedrooms: $927, 2-bedrooms: $1,490, 3-bedrooms: $2,140, 4-bedrooms: $3,080. The most common rental property sizes in Saint Charles, MO are 2-bedroom and 1-bedroom, accounting for 42.7% and 29.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,000 | $1,980 |
| Studio Rent | $913 | $1,910 |
| 1 Bed Rent | $850 | $927 |
| 2 Bed Rent | $1,350 | $1,490 |
| 3 Bed Rent | $2,150 | $2,140 |
| 4 Bed Rent | $2,950 | $3,080 |
% of Rental Stock
Property Listings — Saint Charles, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Charles, MO is 43. This is a increase of 56.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 30.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $382,000 | 9.0% |
Listing Count | 158 | 19.0% |
| Listings as % of Homes | 0.6% | 19.0% |
Days on Market | 43 | 56.0% |
Demographics — Saint Charles, MO
As of the latest ACS Survey released in 2023, Saint Charles, MO has a population of 51,600, which has increased by 1.9% over the past 5 years. Saint Charles, MO is a moderately popular place for families, as children make up 17.0% of the population. The area has a moderately educated workforce, with 38.5% 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 | 51,600 | 1.9% |
% Under 18 | 17.0% | -3.4% |
% Seniors | 18.2% | 8.3% |
% WFH | 13.9% | 127.9% |
% w/ College Degree | 38.5% | 25.8% |
As of the latest ACS Survey released in 2023, Saint Charles, MO is a predominantly white area, with 79.9% of the population identifying as white. The white population has shrunk by 7.7% in the last 5 years. The second most common race or ethnicity in Saint Charles, MO is black, making up 6.8% of the population. Foreign-born residents account for 5.3% of the population in Saint Charles, MO, and this percentage has remained stable as of the ACS Survey 5 years prior, suggesting immigration has remained steady.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 79.9% | -7.7% |
% Black | 6.8% | 41.7% |
% Hispanic | 6.5% | 62.5% |
% Asian | 2.3% | 53.3% |
% Foreign Born | 5.3% | 0.0% |
Mortgage and Risk — Saint Charles, MO
According to HUD data as of 2023, there were 1244 mortgage originations in Saint Charles, MO, of which 81.0% of loans were conventional mortgages. The average loan-to-value was 69.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Saint Charles, MO. Investor activity is low, as 3.0% of loans were by investors. 8.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,244 |
% Conventional Loans | 81.0% |
% Government Loans | 19.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 8.0% |
Loan Activity
Rentals and Section 8 — Saint Charles, MO
As of 2024, the percent of homes in Saint Charles, MO under the Section 8 program is 7.6%. 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 units appear to be good home sizes to consider for Section 8 housing in Saint Charles, MO, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 582 |
Total Units Section 8 | 470 |
% Rentals under Section 8 | 7.6% |
% Occupied Section 8 | 85.9% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $110 | $850 | $960 |
| 2 Bedroom | -$160 | $1,350 | $1,190 |
| 3 Bedroom | -$610 | $2,150 | $1,540 |
| 4 Bedroom | -$1,180 | $2,950 | $1,770 |
Affordability — Saint Charles, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $308,000 |
| Median Household Income | $83,600 |