Median Income
$81,944
9% higher than US avg
Home Value
$197,100
30% lower than US avg
Violent Crime
217/100K
43% lower than US avg
Bachelor's+
18.8%
44% lower than US avg
Median Rent
$939
19% lower than US avg
Obesity Rate
35.8%
12% higher than US avg
Unemployment
3.6%
0% lower than US avg
Poverty Rate
0.5%
96% lower than US avg
How St. Charles Compares to the U.S. Average (100% = U.S. avg)
People
Population891
Median Age33.0 yrs
Density1,437/mi²
Male / Female49% / 51%
Largest GroupWhite 94%
Veterans8.1%
Economy
A
Median Income$81,944
Per Capita$35,887
Unemployment3.6%
Poverty0.5%
County GDP$1,885M
Commute36 min
Housing
A+
Home Value$197,100
Rent$939
Ownership74.7%
Zillow$271,690
Housing Units333
Rent Burden20.4%
Crime
F
Violent217/100K
Property1,598/100K
Health
Obesity35.8%
Uninsured5.6%
Smoking12.8%
Depression21.2%
Heart Disease4.6%
Climate
Avg Temp50°F (10°C)
AQI43 (Good)
Rain37.8 in/yr
Sunny Days275/yr
Elevation1,060 ft (323 m)
Education
C+
Bachelor's+18.8%
High School+95.6%
Graduate+3.1%
School Score6.36
Community
2024 VoteR 60% / D 39%
Commute36 min
Broadband95.0%
EV Stations1
Libraries6
Is St. Charles a Good Place to Live?
Based on current data, St. Charles receives an overall livability score of 3.2 out of 5.0, earning a grade of B. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include long commute times. St. Charles offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in St. Charles is $81,944, roughly in line with the national average of $75,149. Unemployment stands at 3.6%, indicating a healthy job market. Only 0.5% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 36 minutes, longer than the typical American commute of 28 minutes.
Cost of Living & Housing
The median home value in St. Charles is $197,100, 30% below the national median / offering relatively affordable homeownership. Renters pay a median of $939 per month, below the national average / a plus for affordability. At just 2.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
Violent crime in St. Charles is below the national average at 217 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 1,598 per 100,000, near the national average.
Education
18.8% of residents hold a bachelor's degree, below the national average of 33.7%. 95.6% have completed high school. Local schools score 6.4/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
St. Charles experiences four distinct seasons with an average temperature of 50°F. Winters average 22°F in January while summers reach 75°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 37.8 inches, including 30.8 inches of snow. Air quality is rated Good with a median AQI of 43.
St. Charles has a population of 891 with a density of 1,437 people per square mile, spread across 0.5 square miles. The median age is 33.0 years, 15% younger than the national median of 38.9. The gender split is 50.7% female and 49.3% male. The city is predominantly White (93.7%). English is the primary language spoken at home by 92.2% of residents, while 7.8% speak Spanish. 8.1% of the population are veterans, above the national rate of 6.0%. 12.1% of residents have a disability. 98.0% have health insurance coverage.
Population
33.0yrs
Median Age
15% below US avg
Race & Ethnicity
St. Charles vs U.S. Average
Language Spoken at Home
English Only
92.2%
17% above US avg
Spanish
7.8%
42% below US avg
Social Characteristics
St. Charles vs U.S. Average
The median household income in St. Charles is $81,944, which is 9% above the national average of $75,149. Per capita income is $35,887. The average weekly wage is $985, 31% lower than the U.S. average. The unemployment rate is 3.6% (below the 3.6% US average). 0.5% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 1,410 business establishments, including 83 restaurants. The cost of living index is 87.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 36 minutes (longer than the 28-minute US average). 13.2% of workers work from home.
Income: St. Charles vs U.S.
Income
| Median HH Income | $81,944 |
| 9% above US avg |
| Per Capita Income | $35,887 |
| Avg Weekly Wage | $985 |
| IRS Avg AGI | $93,680 |
| Gini Index | 0.397 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 3.6% |
| 0% below US avg |
| Poverty Rate | 0.5% |
| 96% below US avg |
| Establishments (County) | 1,410 |
| County GDP | $1,885M |
Business (County)
| Restaurants | 83 |
| Healthcare | 91 |
| Retail | 108 |
| Manufacturing | 29 |
Tax & Cost of Living
| Property Tax (IRS) | $5,817 |
| 66% above US avg |
| Cost of Living | 87.80 (100=avg) |
| Effective Tax Rate | 2.95% |
Commute & Transportation
| Commute Time | 36.0 min |
| Drive Alone | 76.4% |
| Public Transit | 1.9% |
| Work from Home | 13.2% |
The median home value in St. Charles is $197,100, 30% below the national median of $281,900. Zillow estimates the typical home value at $271,690, higher than the Census estimate. Monthly rent averages $939 (19% below the national average of $1,163). Fair market rent ranges from $788 for a one-bedroom to $989 for a two-bedroom apartment. 74.7% of housing units are owner-occupied (above the 65.4% national rate). There are 333 total housing units in the city. The median year a home was built is 1976. The average annual property tax is $5,817 (higher than the $3,500 national average). 20.4% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 2.4x, well within the affordable range.
Home Values
| Census Median | $197,100 |
| 30% below US avg |
| Zillow ZHVI | $271,690 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $939 |
| 19% below US avg |
| Rent Burden | 20.4% |
HUD Fair Market Rent
| Studio | $738 |
| 1 Bedroom | $788 |
| 2 Bedrooms | $989 |
| 3 Bedrooms | $1,282 |
| 4 Bedrooms | $1,420 |
Ownership & Property
| Homeownership | 74.7% |
| Owner-Occupied | 74.7% |
| Renter-Occupied | 25.3% |
| Housing Units | 333 |
| Median Year Built | 1976 |
Property Tax
| Avg Tax (IRS) | $5,817 |
| 66% above US avg |
| Effective Rate | 2.95% |
In St. Charles, 35.8% of adults are obese, above the national rate of 32.1%. 7.9% have diabetes (below the 10.5% national rate). Heart disease affects 4.6% of residents, below the national average. 27.9% have high blood pressure. 12.8% are current smokers. 23.9% report binge drinking. 19.7% are physically inactive, below the national average. 21.2% report depression. 16.7% experience frequent mental distress. 5.6% of residents lack health insurance (below the 8.6% national rate). The primary care physician ratio is 1:1,618. The dentist ratio is 1:2,716. 76.2% of residents have access to exercise opportunities. The food environment index is 9.3 out of 10.
Health Metrics: St. Charles vs U.S. Average (%)
Chronic Conditions
| Obesity | 35.8% |
| 12% above US avg |
| Diabetes | 7.9% |
| Heart Disease | 4.6% |
| High Blood Pressure | 27.9% |
| Asthma | 9.9% |
| COPD | 4.9% |
| Cancer | 7.6% |
| Stroke | 2.4% |
Behaviors & Mental Health
| Smoking | 12.8% |
| 9% below US avg |
| Binge Drinking | 23.9% |
| Physical Inactivity | 19.7% |
| Depression | 21.2% |
| Mental Distress | 16.7% |
| Physical Distress | 10.7% |
| Short Sleep | 31.4% |
Healthcare Access
| Insurance Rate | 98.0% |
| Uninsured | 5.6% |
| 35% below US avg |
| Primary Care | 1:1,618 |
| Dentists | 1:2,716 |
| Mental Health | 1:3,450 |
| Checkup Rate | 75.4% |
| Dental Visits | 73.2% |
| Premature Death | 6,398/100K |
Food & Exercise
| Food Environment | 9.3/10 |
| Exercise Access | 76.2% |
| Healthcare Facilities | 91 |
St. Charles has a violent crime rate of 217 per 100,000 residents, 43% below the national average of 380. Property crime stands at 1,598 per 100,000, 18% below the U.S. average. The county recorded 5 fatal traffic crashes. Overall, St. Charles receives a safety grade of F.
Crime Rates: St. Charles vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 217.1/100K |
| 43% below US avg |
| |
Property Crime
| Total Property | 1,598.3/100K |
| 18% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. Charles experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 22°F in January while summers reach 75°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 37.8 inches. The area receives 30.8 inches of snow annually, a moderate snowfall amount. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 1,060 feet.
Temperature
22°F Jan (-6°C)
75°F Jul (24°C)
| Annual Average | 49.9°F |
| 8% below US avg |
| January Average | 22°F (-6°C) |
| July Average | 75°F (24°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,060 ft (323 m) |
| Area | 0.5 sq mi (1.4 km²) |
| Population Density | 1,437/sq mi |
| Coordinates | 41.2872°N, 93.8075°W |
| Timezone | America/Chicago |
| County | Warren County County |
| Nearest Airport | Des Moines International (DSM)
16 miles away |
Precipitation & Snow
Annual Rainfall
37.8"
1% below US avg
Wettest Month (Jun)
4.57"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 36.1 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 91.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Moderate |
| Ice Storm |
Relatively Low |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
1 earthquake (M2.5+) within 150 km since 1990.
Strongest: M3.1. Most recent: M3.1 on Feb 11, 1995.
| Feb 11, 1995 |
6 km E of Clearmont, Missouri |
M3.1 |
130 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
656 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 22 fatalities, 408 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jun 13, 1976 |
EF5 |
72 km |
0 |
| Jun 27, 1953 |
EF5 |
77 km |
1 |
| Mar 5, 2022 |
EF4 |
34 km |
6 |
| Apr 8, 1999 |
EF4 |
52 km |
0 |
| May 27, 1995 |
EF4 |
89 km |
0 |
| May 27, 1995 |
EF4 |
57 km |
0 |
| May 24, 1989 |
EF4 |
84 km |
0 |
| Sep 28, 1986 |
EF4 |
54 km |
0 |
| Jun 7, 1984 |
EF4 |
98 km |
3 |
| Jun 2, 1980 |
EF4 |
75 km |
0 |
| Jun 18, 1974 |
EF4 |
52 km |
2 |
| May 20, 1959 |
EF4 |
86 km |
0 |
| May 10, 1959 |
EF4 |
73 km |
0 |
| May 10, 1953 |
EF4 |
61 km |
0 |
| Mar 5, 2022 |
EF3 |
52 km |
1 |
| Aug 20, 2019 |
EF3 |
24 km |
0 |
| Jul 19, 2018 |
EF3 |
75 km |
0 |
| Jun 22, 2015 |
EF3 |
59 km |
0 |
| Apr 8, 1999 |
EF3 |
34 km |
0 |
| May 27, 1995 |
EF3 |
81 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: NEAL SMITH WUI 2016 1 (1,050 ac, 2016).
| Year |
Name |
Acres |
Distance |
| 2016 |
NEAL SMITH WUI 2016 1 |
1,050 |
55 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
22°F (-6°C) |
0.9 in |
Coldest, Driest |
| February |
27°F (-3°C) |
1.0 in |
|
| March |
38°F (4°C) |
2.2 in |
|
| April |
51°F (10°C) |
3.4 in |
|
| May |
61°F (16°C) |
4.3 in |
|
| June |
71°F (21°C) |
4.6 in |
Wettest |
| July |
75°F (24°C) |
4.2 in |
Warmest |
| August |
73°F (23°C) |
3.9 in |
|
| September |
65°F (18°C) |
4.0 in |
|
| October |
53°F (12°C) |
2.8 in |
|
| November |
38°F (3°C) |
2.0 in |
|
| December |
26°F (-4°C) |
1.2 in |
|
St. Charles has a seasonal temperature swing of 53°F / from 22°F in January to 75°F in July. Total annual precipitation is 34.5 inches, with June being the wettest month (4.6") and January the driest (0.9").
Average costs for common services in St. Charles. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$220 ($132–$351) |
| Specialist Visit |
$307 ($176–$483) |
| Urgent Care Visit |
$176 ($88–$307) |
| Emergency Room Visit |
$1,932 ($702–$4,390) |
| Dental Cleaning |
$114 ($66–$176) |
| Dental Filling |
$220 ($132–$351) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$40 ($22–$66) |
| Oil Change (Synthetic) |
$66 ($44–$105) |
| Brake Pad Replacement |
$263 ($132–$439) |
| Tire Rotation |
$35 ($18–$66) |
| New Tires (Set of 4) |
$527 ($351–$878) |
| Battery Replacement |
$176 ($88–$307) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$88 ($53–$132) |
| Electrician (Per Hour) |
$79 ($44–$123) |
| HVAC Repair |
$351 ($132–$702) |
| HVAC System Install |
$6,146 ($3,512–$10,536) |
| Roof Repair |
$878 ($351–$1,756) |
| Roof Replacement |
$7,902 ($4,829–$13,170) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,317 ($439–$3,073) |
| Divorce (Contested) |
$13,170 ($4,390–$26,340) |
| DUI Defense |
$4,390 ($1,756–$8,780) |
| Bankruptcy (Chapter 7) |
$1,317 ($702–$2,634) |
| Will Preparation |
$439 ($176–$878) |
| Trust Preparation |
$2,195 ($878–$4,390) |
View all 12 services
Personal Care
| Men's Haircut |
$22 ($13–$40) |
| Women's Haircut |
$48 ($26–$88) |
| Hair Coloring (Full) |
$132 ($66–$220) |
| Manicure |
$22 ($13–$40) |
| Pedicure |
$35 ($22–$57) |
| Massage (1 Hour) |
$70 ($44–$114) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.60 ($2.63–$4.83) |
| Dozen Eggs (per dozen) |
$3.07 ($2.20–$4.39) |
| Loaf of Bread |
$3.34 ($2.20–$4.83) |
| Chicken Breast (per lb) |
$3.95 ($2.63–$5.71) |
| Ground Beef (per lb) |
$4.83 ($3.51–$6.59) |
| Rice (per lb) |
$0.88 ($0.53–$1.58) |
View all 20 services
Utilities
| Electricity (Monthly) |
$123 ($70–$220) |
| Natural Gas (Monthly) |
$61 ($26–$132) |
| Water/Sewer (Monthly) |
$61 ($35–$105) |
| Internet (Monthly) |
$61 ($35–$88) |
| Cell Phone Plan (Monthly) |
$57 ($26–$88) |
| Cable TV (Monthly) |
$75 ($44–$132) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$176 ($66–$439) |
| Car Insurance (Annual) |
$1,756 ($1,054–$3,073) |
| Bus Pass (Monthly) |
$61 ($26–$114) |
| Taxi/Uber (5-Mile Ride) |
$13 ($7.02–$22) |
| Car Registration (Annual) |
$88 ($26–$220) |
| Driver's License Renewal |
$26 ($13–$66) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,054 ($527–$2,195) |
| Daycare (Toddler, Monthly) |
$878 ($439–$1,756) |
| After-School Care (Monthly) |
$351 ($176–$615) |
| Tutoring (Per Hour) |
$44 ($22–$88) |
| SAT/ACT Prep Course |
$878 ($351–$2,195) |
| Private School (K-12, Annual) |
$10,975 ($4,390–$26,340) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$53 ($26–$88) |
| Dog Vaccination (Annual) |
$88 ($44–$176) |
| Dog Grooming |
$53 ($26–$88) |
| Pet Boarding (Per Night) |
$35 ($18–$66) |
| Dog Spay/Neuter |
$263 ($132–$439) |
| Cat Spay/Neuter |
$176 ($88–$351) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $733 |
| Toddler | $632 |
| Preschool | $632 |
| Family Childcare (monthly) |
| Infant | $495 |
| Toddler | $487 |
| Preschool | $487 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About St. Charles
What is the population of St. Charles?
St. Charles has a population of 891 residents and is located in Iowa. The population density is 1,437 people per square mile, spread across 0.5 square miles. The median age of residents is 33.0 years, which is younger than the national median of 38.9 years. The population is 50.7% female and 49.3% male.
Is St. Charles expensive to live in?
St. Charles is more affordable than the national average, with a cost of living index of 87.8 / below the baseline of 100. The median household income is $81,944, 9% above the national average of $75,149. The median home value is $197,100 (30% below the U.S. median). Renters pay a median of $939 per month, below the national average of $1,163. The home price-to-income ratio is 2.4x, indicating housing is reasonably affordable relative to local income levels.
Is St. Charles safe?
St. Charles is safer than the national average, with a violent crime rate of 217 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 1,598 per 100,000 (below the national average). Overall, St. Charles receives a safety grade of F based on combined crime data.
What is the weather like in St. Charles?
St. Charles has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 22°F in January, while summers reach an average of 75°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 37.8 inches, with 30.8 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in St. Charles?
St. Charles has a healthy job market with an unemployment rate of 3.6%, near the national average of 3.6%. The average weekly wage is $985. There are 1,410 business establishments in the area, including 83 restaurants and food service locations. The average commute time is 36 minutes, and 13.2% of workers work from home.
How much does housing cost in St. Charles?
The median home value in St. Charles is $197,100. Zillow estimates the typical home value at $271,690. For renters, the median monthly rent is $939. Fair market rent is $788 for a 1-bedroom and $989 for a 2-bedroom apartment. The homeownership rate is 74.7%. The average annual property tax is $5,817.
How are the schools in St. Charles?
Schools in St. Charles score 6.4 out of 10 on standardized testing, near the national average. 18.8% of adults in St. Charles hold a bachelor's degree or higher, below the national average of 33.7%. 95.6% have completed high school. 3.1% hold a graduate or professional degree.
How healthy is St. Charles?
The obesity rate in St. Charles is 35.8% (above the national rate of 32.1%). 12.8% of adults are smokers. 19.7% are physically inactive. 21.2% of residents report depression. 5.6% lack health insurance (below the national rate). 76.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,618.
What is transportation like in St. Charles?
The average commute in St. Charles is 36 minutes, longer than the national average of 28 minutes. 76.4% of workers drive alone to work, 1.9% use public transit, and 13.2% work from home.
What are the demographics of St. Charles?
The racial and ethnic makeup of St. Charles is 93.7% White. 92.2% of residents speak only English at home, while 7.8% speak Spanish. 8.1% of the population are military veterans. 12.1% of residents have a disability. 98.0% have health insurance coverage.
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