Saint Charles, MO—63303
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 $349,000, with a year-over-year change of 1.5%. 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 | $349,000 | 1.5% |
| Single Family | $382,000 | 1.6% |
| Condos | $208,000 | -0.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $146,000 | -1.4% |
2 Bed | $214,000 | -0.9% |
3 Bed | $332,000 | 1.2% |
4 Bed | $449,000 | 1.6% |
| 5 Bed | $535,000 | 1.5% |
% of Housing Stock
Rental Trends — Saint Charles, MO
As of July '25, Rentcast reports the average rent in Saint Charles, MO is $2,190, with a year-over-year rent change of 1.4%. Per bedroom, the median rent as of July '25 in Saint Charles, MO is studios: $1,370, 1-bedrooms: $1,230, 2-bedrooms: $1,420, 3-bedrooms: $2,300, 4-bedrooms: $2,840. The most common rental property sizes in Saint Charles, MO are 2-bedroom and 1-bedroom, accounting for 48.0% and 27.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,260 | $2,190 |
| Studio Rent | $1,370 | $1,370 |
| 1 Bed Rent | $1,170 | $1,230 |
| 2 Bed Rent | $1,400 | $1,420 |
| 3 Bed Rent | $2,300 | $2,300 |
| 4 Bed Rent | $2,700 | $2,840 |
% 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 39. This is a increase of 12.0% 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 38.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $294,000 | -11.0% |
Listing Count | 131 | 2.0% |
| Listings as % of Homes | 0.3% | 2.0% |
Days on Market | 39 | 12.0% |
Demographics — Saint Charles, MO
As of the latest ACS Survey released in 2023, Saint Charles, MO has a population of 46,600, which has decreased by -2.7% over the past 5 years. Saint Charles, MO is a moderately popular place for families, as children make up 18.8% of the population. The area has a highly educated workforce, with 50.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 46,600 | -2.7% |
% Under 18 | 18.8% | -6.5% |
% Seniors | 18.8% | 19.7% |
% WFH | 17.0% | 335.9% |
% w/ College Degree | 50.1% | 24.6% |
As of the latest ACS Survey released in 2023, Saint Charles, MO is a predominantly white area, with 78.9% of the population identifying as white. The white population has shrunk by 2.8% in the last 5 years. The second most common race or ethnicity in Saint Charles, MO is black, making up 6.5% of the population. Foreign-born residents account for 6.6% of the population in Saint Charles, MO, and this percentage has increased by 13.8% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 78.9% | -2.8% |
% Black | 6.5% | -7.1% |
% Hispanic | 4.9% | 19.5% |
% Asian | 5.6% | 36.6% |
% Foreign Born | 6.6% | 13.8% |
Mortgage and Risk — Saint Charles, MO
According to HUD data as of 2023, there were 383 mortgage originations in Saint Charles, MO, of which 87.0% of loans were conventional mortgages. The average loan-to-value was 63.0%, with 25.0% above 90% LTV (very high). This implies large mortgage risk in Saint Charles, MO. Investor activity is low, as 2.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 383 |
% Conventional Loans | 87.0% |
% Government Loans | 13.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
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 1.4%. 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. 2-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 1-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 86 |
Total Units Section 8 | 74 |
% Rentals under Section 8 | 1.4% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$30 | $1,170 | $1,140 |
| 2 Bedroom | $10 | $1,400 | $1,410 |
| 3 Bedroom | -$480 | $2,300 | $1,820 |
| 4 Bedroom | -$600 | $2,700 | $2,100 |
Affordability — Saint Charles, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $349,000 |
| Median Household Income | $98,000 |