Saint Charles, MO—63304
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 $392,000, with a year-over-year change of 1.8%. This indicates that home prices in Saint Charles, MO are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $392,000 | 1.8% |
| Single Family | $403,000 | 1.5% |
| Condos | $220,000 | -1.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $187,000 | -1.1% |
2 Bed | $233,000 | -0.4% |
3 Bed | $351,000 | 1.4% |
4 Bed | $470,000 | 2.0% |
| 5 Bed | $674,000 | 2.0% |
% of Housing Stock
Rental Trends — Saint Charles, MO
As of July '25, Rentcast reports the average rent in Saint Charles, MO is $2,050, with a year-over-year rent change of -12.0%. Per bedroom, the median rent as of July '25 in Saint Charles, MO is 1-bedrooms: $1,480, 2-bedrooms: $1,680, 3-bedrooms: $2,160, 4-bedrooms: $2,590. The most common rental property sizes in Saint Charles, MO are 2-bedroom and 3-bedroom, accounting for 34.1% and 28.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,090 | $2,050 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,390 | $1,480 |
| 2 Bed Rent | $1,600 | $1,680 |
| 3 Bed Rent | $2,100 | $2,160 |
| 4 Bed Rent | $2,560 | $2,590 |
% 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 decrease of -11.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 24.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $467,000 | -12.0% |
Listing Count | 143 | -2.0% |
| Listings as % of Homes | 0.5% | -2.0% |
Days on Market | 43 | -11.0% |
Demographics — Saint Charles, MO
As of the latest ACS Survey released in 2023, Saint Charles, MO has a population of 43,400, which has increased by 5.1% over the past 5 years. Saint Charles, MO is a moderately popular place for families, as children make up 23.3% of the population. The area has a highly educated workforce, with 48.0% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.3% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 43,400 | 5.1% |
% Under 18 | 23.3% | -0.9% |
% Seniors | 17.4% | 20.8% |
% WFH | 17.3% | 143.7% |
% w/ College Degree | 48.0% | 6.0% |
As of the latest ACS Survey released in 2023, Saint Charles, MO is a predominantly white area, with 87.0% of the population identifying as white. The white population has shrunk by 2.6% in the last 5 years. The second most common race or ethnicity in Saint Charles, MO is black, making up 4.4% of the population. Foreign-born residents account for 4.6% of the population in Saint Charles, MO, and this percentage has increased by 7.0% 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 | 87.0% | -2.6% |
% Black | 4.4% | 33.3% |
% Hispanic | 4.2% | 75.0% |
% Asian | 1.8% | -45.5% |
% Foreign Born | 4.6% | 7.0% |
Mortgage and Risk — Saint Charles, MO
According to HUD data as of 2023, there were 246 mortgage originations in Saint Charles, MO, of which 93.0% of loans were conventional mortgages. The average loan-to-value was 52.0%, with 13.0% above 90% LTV (elevated). This implies medium mortgage risk in Saint Charles, MO. Investor activity is low, as 3.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 246 |
% Conventional Loans | 93.0% |
% Government Loans | 7.0% |
% Investor Loans | 3.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 7.0% |
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 1.7%. 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 and 3-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 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 33 |
Total Units Section 8 | 33 |
% Rentals under Section 8 | 1.7% |
% Occupied Section 8 | 79.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $0 | $1,390 | $1,390 |
| 2 Bedroom | $110 | $1,600 | $1,710 |
| 3 Bedroom | $110 | $2,100 | $2,210 |
| 4 Bedroom | -$20 | $2,560 | $2,540 |
Affordability — Saint Charles, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.1 |
| Median Home Price | $392,000 |
| Median Household Income | $114,000 |