Median Income
$40,000
47% lower than US avg
Home Value
$54,500
81% lower than US avg
Violent Crime
0/100K
100% lower than US avg
Bachelor's+
6.6%
80% lower than US avg
Median Rent
$913
21% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
29.7%
140% higher than US avg
How St. Charles Compares to the U.S. Average (100% = U.S. avg)
People
Population308
Median Age35.2 yrs
Density311/mi²
Male / Female52% / 48%
Largest GroupWhite 96%
Veterans1.7%
Economy
C+
Median Income$40,000
Per Capita$21,653
Unemployment0.0%
Poverty29.7%
County GDP$2,661M
Commute27 min
Housing
A+
Home Value$54,500
Rent$913
Ownership60.7%
Zillow$114,192
Housing Units128
Rent Burden51.0%
Crime
Violent0/100K
Property0/100K
Climate
Avg Temp60°F (15°C)
AQI41 (Good)
Rain52.2 in/yr
Sunny Days299/yr
Elevation516 ft (157 m)
Education
D
Bachelor's+6.6%
High School+65.7%
Graduate+0.6%
School Score5.70
Community
2024 VoteR 75% / D 24%
Commute27 min
Broadband83.9%
EV Stations1
Libraries2
Is St. Charles a Good Place to Live?
Based on current data, St. Charles receives an overall livability score of 3.0 out of 5.0, earning a grade of B. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include an elevated poverty rate, below-average incomes. 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 $40,000, 47% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. The poverty rate of 29.7% exceeds the national average of 12.4%, indicating economic hardship for a significant portion of the population. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in St. Charles is $54,500, 81% below the national median / offering relatively affordable homeownership. Renters pay a median of $913 per month, below the national average / a plus for affordability. At just 1.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
St. Charles is a very safe community with a violent crime rate of 0 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 0 per 100,000, 100% below the national average.
Education
6.6% of residents hold a bachelor's degree, below the national average of 33.7%. 65.7% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
St. Charles enjoys a moderate climate with an average annual temperature of 60°F. Winters average 37°F in January while summers reach 80°F in July. With 299 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 52.2 inches. Air quality is rated Good with a median AQI of 41.
St. Charles has a population of 308 with a density of 311 people per square mile, spread across 1.0 square miles. The median age is 35.2 years, 10% younger than the national median of 38.9. The gender split is 48.4% female and 51.6% male. The city is predominantly White (96.4%), with 2.9% Hispanic. English is the primary language spoken at home by 99.2% of residents. 1.7% of the population are veterans, below the national rate of 6.0%. 26.5% of residents have a disability (above the 13.0% national average). 91.9% have health insurance coverage.
Population
35.2yrs
Median Age
10% below US avg
Race & Ethnicity
St. Charles vs U.S. Average
Language Spoken at Home
English Only
99.2%
26% above US avg
Spanish
0.8%
94% below US avg
Social Characteristics
St. Charles vs U.S. Average
The median household income in St. Charles is $40,000, which is 47% below the national average of $75,149. Per capita income is $21,653 (below the $39,052 national figure). The average weekly wage is $1,054, 26% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 29.7% of residents live below the poverty line, higher than the national rate of 12.4%. The area has 1,209 business establishments, including 76 restaurants. The cost of living index is 90.2, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 1.0% of workers work from home (below the 15.2% national rate).
Income: St. Charles vs U.S.
Income
| Median HH Income | $40,000 |
| 47% below US avg |
| Per Capita Income | $21,653 |
| Avg Weekly Wage | $1,054 |
| IRS Avg AGI | $61,081 |
| Gini Index | 0.429 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 29.7% |
| 140% above US avg |
| Establishments (County) | 1,209 |
| County GDP | $2,661M |
Business (County)
| Restaurants | 76 |
| Healthcare | 125 |
| Retail | 164 |
| Manufacturing | 39 |
Tax & Cost of Living
| Property Tax (IRS) | $3,074 |
| 12% below US avg |
| Cost of Living | 90.20 (100=avg) |
| Effective Tax Rate | 5.64% |
Commute & Transportation
| Commute Time | 27.1 min |
| Drive Alone | 81.9% |
| Public Transit | 0.0% |
| Work from Home | 1.0% |
The median home value in St. Charles is $54,500, 81% below the national median of $281,900. Zillow estimates the typical home value at $114,192, higher than the Census estimate. Monthly rent averages $913 (21% below the national average of $1,163). Fair market rent ranges from $794 for a one-bedroom to $984 for a two-bedroom apartment. 60.7% of housing units are owner-occupied. There are 128 total housing units in the city. The median year a home was built is 1965. The average annual property tax is $3,074. 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 1.4x, well within the affordable range.
Home Values
| Census Median | $54,500 |
| 81% below US avg |
| Zillow ZHVI | $114,192 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $913 |
| 21% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $719 |
| 1 Bedroom | $794 |
| 2 Bedrooms | $984 |
| 3 Bedrooms | $1,277 |
| 4 Bedrooms | $1,442 |
Ownership & Property
| Homeownership | 60.7% |
| Owner-Occupied | 60.7% |
| Renter-Occupied | 39.3% |
| Housing Units | 128 |
| Median Year Built | 1965 |
Property Tax
| Avg Tax (IRS) | $3,074 |
| 12% below US avg |
| Effective Rate | 5.64% |
In St. Charles, 34.5% of adults are obese, above the national rate of 32.1%. The primary care physician ratio is 1:1,003. The dentist ratio is 1:2,037. 61.9% of residents have access to exercise opportunities. The food environment index is 6.7 out of 10.
Health Metrics: St. Charles vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
Behaviors & Mental Health
Healthcare Access
| Insurance Rate | 91.9% |
| |
| Primary Care | 1:1,003 |
| Dentists | 1:2,037 |
| Mental Health | 1:725 |
| Dental Visits | 57.0% |
| Premature Death | 11,560/100K |
Food & Exercise
| Food Environment | 6.7/10 |
| Exercise Access | 61.9% |
| Healthcare Facilities | 125 |
St. Charles has a violent crime rate of 0 per 100,000 residents, 100% below the national average of 380. Property crime stands at 0 per 100,000, 100% below the U.S. average. The county recorded 8 fatal traffic crashes.
Crime Rates: St. Charles vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 0.0/100K |
| 100% below US avg |
| |
Property Crime
| Total Property | 0.0/100K |
| 100% below US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 8 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
St. Charles enjoys a temperate climate with an average annual temperature of 60°F (15°C). Winters average 37°F in January while summers reach 80°F in July. The area gets 299 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 52.2 inches (wetter than the 38-inch national average). Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 516 feet.
Temperature
37°F Jan (3°C)
80°F Jul (26°C)
| Annual Average | 59.5°F |
| 10% above US avg |
| January Average | 37°F (3°C) |
| July Average | 80°F (26°C) |
| Sunny Days | 299 days/yr |
Geography
| Elevation | 516 ft (157 m) |
| Area | 1.0 sq mi (2.6 km²) |
| Population Density | 311/sq mi |
| Coordinates | 37.1905°N, 87.5497°W |
| Timezone | America/New_York |
| County | Hopkins County County |
| Nearest Airport | Owensboro/Daviess County Regional (OWB) 43 miles away |
Precipitation & Snow
Annual Rainfall
52.2"
37% above US avg
Wettest Month (Mar)
4.84"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 72.6 / 100 |
| Social Vulnerability | 67.5 / 100 |
| Community Resilience | 65.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Relatively Moderate |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively High |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Moderate |
| Ice Storm |
Very High |
| Drought |
Relatively Moderate |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
81 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M5.2. Most recent: M2.6 on Aug 9, 2025.
| Apr 18, 2008 |
7 km NNE of Bellmont, Illinois |
M5.2 |
143 km |
| Apr 18, 2008 |
9 km NNE of Bellmont, Illinois |
M4.7 |
144 km |
| Jun 18, 2002 |
6 km SW of Parkers Settlement, Indiana |
M4.6 |
92 km |
| Feb 5, 1994 |
2 km WNW of Dongola, Illinois |
M4.2 |
146 km |
| Jun 6, 2003 |
1 km NE of Bardwell, Kentucky |
M4.0 |
133 km |
| Apr 21, 2008 |
7 km NNE of Bellmont, Illinois |
M4.0 |
143 km |
| Dec 7, 2000 |
7 km W of Evansville, Indiana |
M3.9 |
87 km |
| Jan 24, 1990 |
6 km WNW of Alton, Indiana |
M3.9 |
141 km |
| Jan 27, 1990 |
6 km N of Alton, Indiana |
M3.8 |
148 km |
| Sep 19, 2017 |
4 km N of Bellmont, Illinois |
M3.8 |
141 km |
| Apr 25, 2008 |
8 km NNE of Bellmont, Illinois |
M3.7 |
143 km |
| Jan 2, 2006 |
3 km NNE of Eldorado, Illinois |
M3.6 |
105 km |
| Nov 20, 2012 |
7 km N of Bellmont, Illinois |
M3.6 |
144 km |
| Jun 20, 2005 |
4 km WSW of Blandville, Kentucky |
M3.6 |
133 km |
| Mar 15, 2017 |
9 km ESE of Wyatt, Missouri |
M3.6 |
144 km |
| Jul 16, 2004 |
6 km SE of Wyatt, Missouri |
M3.5 |
149 km |
| May 1, 2016 |
5 km SE of New Grand Chain, Illinois |
M3.5 |
127 km |
| Jun 5, 2008 |
8 km WNW of Mount Carmel, Illinois |
M3.4 |
143 km |
| Sep 26, 1994 |
4 km ENE of Blandville, Kentucky |
M3.4 |
124 km |
| May 1, 2008 |
8 km NNE of Bellmont, Illinois |
M3.3 |
143 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
499 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 72 fatalities, 901 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 15, 2005 |
EF4 |
7 km |
0 |
| Apr 3, 1974 |
EF4 |
90 km |
0 |
| Apr 27, 1970 |
EF4 |
90 km |
3 |
| Apr 3, 1968 |
EF4 |
91 km |
2 |
| Mar 4, 1964 |
EF4 |
97 km |
3 |
| Jul 9, 2024 |
EF3 |
87 km |
0 |
| May 26, 2024 |
EF3 |
47 km |
1 |
| Dec 9, 2023 |
EF3 |
69 km |
4 |
| Dec 11, 2021 |
EF3 |
59 km |
0 |
| Dec 11, 2021 |
EF3 |
88 km |
16 |
| Nov 17, 2013 |
EF3 |
66 km |
0 |
| Nov 17, 2013 |
EF3 |
7 km |
0 |
| Apr 26, 2011 |
EF3 |
59 km |
0 |
| Apr 10, 2009 |
EF3 |
10 km |
0 |
| Mar 28, 2009 |
EF3 |
55 km |
0 |
| Feb 5, 2008 |
EF3 |
29 km |
3 |
| Oct 18, 2007 |
EF3 |
73 km |
0 |
| Apr 2, 2006 |
EF3 |
33 km |
0 |
| Nov 6, 2005 |
EF3 |
51 km |
0 |
| Nov 6, 2005 |
EF3 |
74 km |
24 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: DEVILS BACKBONE RX (3,215 ac, 2010).
| Year |
Name |
Acres |
Distance |
| 2010 |
DEVILS BACKBONE RX |
3,215 |
86 km |
| 2010 |
FRANKLIN CREEK RX |
2,828 |
61 km |
| 2019 |
UNNAMED |
2,286 |
91 km |
| 2019 |
UNNAMED |
2,282 |
62 km |
| 2014 |
UNNAMED |
1,837 |
70 km |
| 2021 |
GAP VIEW RX |
1,575 |
90 km |
| 2022 |
DENNISON HOLLOW RX |
1,573 |
93 km |
| 2007 |
DEAD DEER |
1,557 |
54 km |
| 2022 |
ONE HORSE GAP RX |
1,502 |
87 km |
| 2014 |
UNNAMED |
1,493 |
93 km |
| 2006 |
UNNAMED |
1,493 |
71 km |
| 2015 |
UNNAMED |
1,447 |
92 km |
| 2021 |
BEATTY BRANCH RX |
1,396 |
92 km |
| 2016 |
UNNAMED |
1,299 |
87 km |
| 2014 |
UNNAMED |
1,216 |
87 km |
| 2013 |
UNNAMED |
1,203 |
88 km |
| 2024 |
LBL - NWDA UNIT 3 RX |
1,187 |
58 km |
| 2013 |
UNNAMED |
1,167 |
58 km |
| 1999 |
UNNAMED |
1,039 |
57 km |
| 2024 |
PINE HOLLOW RX |
1,038 |
98 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
37°F (3°C) |
3.4 in |
Coldest |
| February |
37°F (3°C) |
4.0 in |
|
| March |
48°F (9°C) |
4.8 in |
Wettest |
| April |
57°F (14°C) |
4.8 in |
|
| May |
65°F (19°C) |
4.8 in |
|
| June |
74°F (23°C) |
3.6 in |
|
| July |
80°F (26°C) |
4.2 in |
Warmest |
| August |
76°F (25°C) |
3.5 in |
|
| September |
70°F (21°C) |
3.4 in |
|
| October |
58°F (15°C) |
3.1 in |
Driest |
| November |
48°F (9°C) |
4.4 in |
|
| December |
38°F (4°C) |
4.5 in |
|
St. Charles has a seasonal temperature swing of 43°F / from 37°F in January to 80°F in July. Total annual precipitation is 48.5 inches, with March being the wettest month (4.8") and October the driest (3.1").
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) |
$226 ($135–$361) |
| Specialist Visit |
$316 ($180–$496) |
| Urgent Care Visit |
$180 ($90–$316) |
| Emergency Room Visit |
$1,984 ($722–$4,510) |
| Dental Cleaning |
$117 ($68–$180) |
| Dental Filling |
$226 ($135–$361) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$41 ($23–$68) |
| Oil Change (Synthetic) |
$68 ($45–$108) |
| Brake Pad Replacement |
$271 ($135–$451) |
| Tire Rotation |
$36 ($18–$68) |
| New Tires (Set of 4) |
$541 ($361–$902) |
| Battery Replacement |
$180 ($90–$316) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$90 ($54–$135) |
| Electrician (Per Hour) |
$81 ($45–$126) |
| HVAC Repair |
$361 ($135–$722) |
| HVAC System Install |
$6,314 ($3,608–$10,824) |
| Roof Repair |
$902 ($361–$1,804) |
| Roof Replacement |
$8,118 ($4,961–$13,530) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,353 ($451–$3,157) |
| Divorce (Contested) |
$13,530 ($4,510–$27,060) |
| DUI Defense |
$4,510 ($1,804–$9,020) |
| Bankruptcy (Chapter 7) |
$1,353 ($722–$2,706) |
| Will Preparation |
$451 ($180–$902) |
| Trust Preparation |
$2,255 ($902–$4,510) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$41) |
| Women's Haircut |
$50 ($27–$90) |
| Hair Coloring (Full) |
$135 ($68–$226) |
| Manicure |
$23 ($14–$41) |
| Pedicure |
$36 ($23–$59) |
| Massage (1 Hour) |
$72 ($45–$117) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.70 ($2.71–$4.96) |
| Dozen Eggs (per dozen) |
$3.16 ($2.26–$4.51) |
| Loaf of Bread |
$3.43 ($2.26–$4.96) |
| Chicken Breast (per lb) |
$4.06 ($2.71–$5.86) |
| Ground Beef (per lb) |
$4.96 ($3.61–$6.77) |
| Rice (per lb) |
$0.90 ($0.54–$1.62) |
View all 20 services
Utilities
| Electricity (Monthly) |
$126 ($72–$226) |
| Natural Gas (Monthly) |
$63 ($27–$135) |
| Water/Sewer (Monthly) |
$63 ($36–$108) |
| Internet (Monthly) |
$63 ($36–$90) |
| Cell Phone Plan (Monthly) |
$59 ($27–$90) |
| Cable TV (Monthly) |
$77 ($45–$135) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$180 ($68–$451) |
| Car Insurance (Annual) |
$1,804 ($1,082–$3,157) |
| Bus Pass (Monthly) |
$63 ($27–$117) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.22–$23) |
| Car Registration (Annual) |
$90 ($27–$226) |
| Driver's License Renewal |
$27 ($14–$68) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,082 ($541–$2,255) |
| Daycare (Toddler, Monthly) |
$902 ($451–$1,804) |
| After-School Care (Monthly) |
$361 ($180–$631) |
| Tutoring (Per Hour) |
$45 ($23–$90) |
| SAT/ACT Prep Course |
$902 ($361–$2,255) |
| Private School (K-12, Annual) |
$11,275 ($4,510–$27,060) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$54 ($27–$90) |
| Dog Vaccination (Annual) |
$90 ($45–$180) |
| Dog Grooming |
$54 ($27–$90) |
| Pet Boarding (Per Night) |
$36 ($18–$68) |
| Dog Spay/Neuter |
$271 ($135–$451) |
| Cat Spay/Neuter |
$180 ($90–$361) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $525 |
| Toddler | $494 |
| Preschool | $494 |
| Family Childcare (monthly) |
| Infant | $513 |
| Toddler | $520 |
| Preschool | $520 |
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 308 residents and is located in Kentucky. The population density is 311 people per square mile, spread across 1.0 square miles. The median age of residents is 35.2 years, which is younger than the national median of 38.9 years. The population is 48.4% female and 51.6% male.
Is St. Charles expensive to live in?
St. Charles is more affordable than the national average, with a cost of living index of 90.2 / below the baseline of 100. The median household income is $40,000, 47% below the national average of $75,149. The median home value is $54,500 (81% below the U.S. median). Renters pay a median of $913 per month, below the national average of $1,163. The home price-to-income ratio is 1.4x, indicating housing is reasonably affordable relative to local income levels.
Is St. Charles safe?
St. Charles is considered a very safe city with a violent crime rate of 0 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 0 per 100,000 (below the national average).
What is the weather like in St. Charles?
St. Charles enjoys a temperate climate with an average annual temperature of 60°F (15°C). Winter temperatures average 37°F in January, while summers reach an average of 80°F in July. The area receives 299 sunny days per year, well above the national average of 205. Annual rainfall totals 52.2 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in St. Charles?
The job market in St. Charles is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,054. There are 1,209 business establishments in the area, including 76 restaurants and food service locations. The average commute time is 27 minutes, and 1.0% of workers work from home.
How much does housing cost in St. Charles?
The median home value in St. Charles is $54,500. Zillow estimates the typical home value at $114,192. For renters, the median monthly rent is $913. Fair market rent is $794 for a 1-bedroom and $984 for a 2-bedroom apartment. The homeownership rate is 60.7%. The average annual property tax is $3,074.
How are the schools in St. Charles?
Schools in St. Charles score 5.7 out of 10 on standardized testing, near the national average. 6.6% of adults in St. Charles hold a bachelor's degree or higher, below the national average of 33.7%. 65.7% have completed high school. 0.6% hold a graduate or professional degree.
How healthy is St. Charles?
The obesity rate in St. Charles is 34.5% (above the national rate of 32.1%). 61.9% of residents have access to exercise opportunities. The primary care physician ratio is 1:1,003.
What is transportation like in St. Charles?
The average commute in St. Charles is 27 minutes. 81.9% of workers drive alone to work, and 1.0% work from home.
What are the demographics of St. Charles?
The racial and ethnic makeup of St. Charles is 96.4% White, 2.9% Hispanic or Latino. 99.2% of residents speak only English at home. 1.7% of the population are military veterans. 26.5% of residents have a disability. 91.9% have health insurance coverage.