St. Charles, KY

Kentucky

St. Charles is a small town in Kentucky with a population of 308. Residents earn $40,000 per year, which is 47% below the national average.

3.0 /5.0
B Good
308 Population 311/sq mi density
$40,000 Median Income $21,653 per capita
$54,500 Home Value
$913 Median Rent 51.0% income on rent
60°F Avg Temperature
B
Overall
3.0 / 5.0
Good overall score based on economy, affordability, safety and education
C+
Economy
2.6 / 5.0
$40,000 median income, 0.0% unemployment
A+
Affordability
5.0 / 5.0
$54,500 home value, $913/mo rent
D
Education
1.5 / 5.0
6.6% bachelor's degree or higher
Median Income $40,000
47% lower than US avg
Home Value $54,500
81% lower than US avg
Bachelor's+ 6.6%
80% lower than US avg
Median Rent $913
21% lower 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%

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
OwnershipN/A
Rent Burden51.0%

Crime

ViolentN/A
PropertyN/A

Health

ObesityN/A
UninsuredN/A

Climate

Avg Temp60°F
AQI41 (Good)
Rain52.2 in/yr
Elevation516 ft

Education

D
Bachelor's+6.6%
High School+65.7%
School Score5.50

Community

2024 VoteR 75% / D 24%
Commute27 min
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, affordable housing. 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.

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 5.5/10.

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. 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. The median age is 35.2 years, 10% younger than the national median of 38.9. The city is predominantly White (96.4%), with 2.9% Hispanic.

Population

308
Total Population
311
People / sq mi
35.2yrs
Median Age
10% below US avg
1.0mi²
Land Area

Gender Distribution

Male 51.6%
Female 48.4%

Race & Ethnicity

St. Charles vs U.S. Average

Language Spoken at Home

English Only99.2%
26% above US avg
Spanish0.8%
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. The unemployment rate is 0.0% (below the 3.6% US average). 29.7% of residents live below the poverty line. Workers commute an average of 27 minutes.

Income: St. Charles vs U.S.

Commute Mode

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

Employment & Poverty

Unemployment0.0%
100% below US avg
Poverty Rate29.7%
140% above US avg
Establishments (County)1,209
County GDP$2,661M

Business (County)

Restaurants76
Healthcare125
Retail164
Manufacturing39

Tax & Cost of Living

Property Tax (IRS)$3,074
12% below US avg
Effective Tax Rate5.64%

Commute & Transportation

Commute Time27.1 min
Work from Home1.0%

Walkability

The median home value in St. Charles is $54,500, 81% below the national average. Monthly rent averages $913 (21% below US avg).

Home Value Sources

Ownership Split

Home Values

Census Median$54,500
81% below US avg

Real Estate Market (Redfin)

Rental Costs

Census Median Rent$913
21% below US avg
Rent Burden51.0%

HUD Fair Market Rent

Studio$719
1 Bedroom$794
2 Bedrooms$984
3 Bedrooms$1,277
4 Bedrooms$1,442

Ownership & Property

Owner-Occupied60.7%

Property Tax

Avg Tax (IRS)$3,074
12% below US avg
Effective Rate5.64%

Health Metrics: St. Charles vs U.S. Average (%)

Chronic Conditions

Behaviors & Mental Health

Healthcare Access

Insurance Rate91.9%
Premature Death11,560/100K

Food & Exercise

Food Environment6.7/10
Exercise Access61.9%
Healthcare Facilities125

Crime Rates: St. Charles vs U.S. Average (per 100,000)

Violent Crime

Property Crime

Traffic Safety

Fatal Crashes (County/yr)8

Safety Score

St. Charles has an average annual temperature of 60°F (15°C). Winters average 37°F in January while summers reach 80°F in July. Annual precipitation is 52.2 inches. Air quality is rated Good with a median AQI of 41.

Temperature

37°F Jan (3°C) 80°F Jul (26°C)
Annual Average59.5°F
10% above US avg
January Average37°F (3°C)
July Average80°F (26°C)

Precipitation & Snow

Annual Rainfall52.2 inches
37% above US avg

Air Quality

AQI Median41.0
RatingGood

Geography

Elevation516 ft (157 m)
Area1.0 sq mi (2.6 km²)
Population Density311/sq mi
Coordinates37.1905°N, 87.5497°W
County FIPS21107
It is classified as Nonmetro — Urban 20K+. 6.6% of residents hold a bachelor's degree or higher (80% below US avg). In the 2024 election, the county voted Republican by a 50.9-point margin.

2024 Presidential Election (County)

R 74.8%
D 23.9%

Winner: Republican by 50.9 points

Education

Bachelor's Degree+6.6%
80% below US avg
High School+65.7%
School Test Score5.50
D Education Grade (1.5/5.0)

Urban-Rural Classification

RUCC Code 5Nonmetro — Urban 20K+
Population Density311/sq mi
Total Area1.0 sq mi

Infrastructure & Services

Public Libraries2
Healthcare Facilities125
Restaurants76
Retail Stores164

Safety & Disasters

Fatal Crashes (County/yr)8

Commute & Transportation

Avg Commute27.1 min
Work from Home1.0%

Nearby Cities

Compare St. Charles with another city: