Median Income
$96,544
28% higher than US avg
Home Value
$231,300
18% lower than US avg
Violent Crime
80/100K
79% lower than US avg
Bachelor's+
35.3%
5% higher than US avg
Median Rent
$941
19% lower than US avg
Obesity Rate
34.5%
7% higher than US avg
Unemployment
1.6%
56% lower than US avg
Poverty Rate
0.8%
94% lower than US avg
How St. Charles Compares to the U.S. Average (100% = U.S. avg)
People
Population4,021
Median Age39.1 yrs
Density1,055/mi²
Male / Female54% / 46%
Largest GroupWhite 89%
Veterans11.4%
Economy
A+
Median Income$96,544
Per Capita$50,155
Unemployment1.6%
Poverty0.8%
County GDP$15,729M
Commute24 min
Housing
A+
Home Value$231,300
Rent$941
Ownership83.0%
Zillow$368,746
Housing Units1,731
Rent Burden25.4%
Crime
F
Violent80/100K
Property981/100K
Murder0.0/100K
Assault53/100K
Burglary106/100K
Health
Obesity34.5%
Uninsured8.6%
Smoking13.7%
Depression24.7%
Heart Disease4.9%
Climate
Avg Temp44°F (7°C)
AQI36 (Good)
Rain36.8 in/yr
Sunny Days260/yr
Elevation1,132 ft (345 m)
Education
B+
Bachelor's+35.3%
High School+94.4%
Graduate+9.0%
School Score6.46
Community
2024 VoteR 44% / D 54%
Commute24 min
Broadband91.2%
EV Stations1
Libraries3
Is St. Charles a Good Place to Live?
Based on current data, St. Charles receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, affordable housing. 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 $96,544, 28% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 1.6%. Only 0.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 24 minutes.
Cost of Living & Housing
The median home value in St. Charles is $231,300, 18% below the national median / offering relatively affordable homeownership. Renters pay a median of $941 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
St. Charles is a very safe community with a violent crime rate of 80 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 981 per 100,000, 50% below the national average.
Education
Educational attainment is solid, with 35.3% holding a bachelor's degree or higher, near the national average. 94.4% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.
Climate & Weather
St. Charles has a cool climate with an average annual temperature of 44°F. Winters average 14°F in January while summers reach 70°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 36.8 inches, including 42.2 inches of snow. Air quality is rated Good with a median AQI of 36.
St. Charles has a population of 4,021 with a density of 1,055 people per square mile, spread across 3.8 square miles. The median age is 39.1 years, 1% older than the national median of 38.9. The gender split is 45.6% female and 54.4% male. The city is predominantly White (89.4%). English is the primary language spoken at home by 94% of residents, while 6% speak Spanish. 11.4% of the population are veterans, above the national rate of 6.0%. 10.1% of residents have a disability (below the 13.0% national average). 97.5% have health insurance coverage.
Population
39.1yrs
Median Age
1% above US avg
Race & Ethnicity
St. Charles vs U.S. Average
Language Spoken at Home
English Only
94.0%
20% above US avg
Spanish
6.0%
55% below US avg
Social Characteristics
St. Charles vs U.S. Average
The median household income in St. Charles is $96,544, which is 28% above the national average of $75,149. Per capita income is $50,155 (above the $39,052 national figure). The average weekly wage is $1,530. The unemployment rate is 1.6% (below the 3.6% US average). 0.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 4,061 business establishments, including 383 restaurants. The cost of living index is 98.6, roughly in line with the national average. Workers commute an average of 24 minutes. 13.8% of workers work from home.
Income: St. Charles vs U.S.
Income
| Median HH Income | $96,544 |
| 28% above US avg |
| Per Capita Income | $50,155 |
| Avg Weekly Wage | $1,530 |
| IRS Avg AGI | $93,478 |
| Gini Index | 0.457 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 1.6% |
| 56% below US avg |
| Poverty Rate | 0.8% |
| 94% below US avg |
| Establishments (County) | 4,061 |
| County GDP | $15,729M |
Business (County)
| Restaurants | 383 |
| Healthcare | 540 |
| Retail | 520 |
| Manufacturing | 88 |
Tax & Cost of Living
| Property Tax (IRS) | $5,612 |
| 60% above US avg |
| Cost of Living | 98.60 (100=avg) |
| Effective Tax Rate | 2.43% |
Commute & Transportation
| Commute Time | 23.9 min |
| Drive Alone | 78.4% |
| Public Transit | 0.0% |
| Work from Home | 13.8% |
The median home value in St. Charles is $231,300, 18% below the national median of $281,900. Zillow estimates the typical home value at $368,746, higher than the Census estimate. Monthly rent averages $941 (19% below the national average of $1,163). Fair market rent ranges from $899 for a one-bedroom to $1,125 for a two-bedroom apartment. 83.0% of housing units are owner-occupied (above the 65.4% national rate). There are 1,731 total housing units in the city. The median year a home was built is 1972. The average annual property tax is $5,612 (higher than the $3,500 national average). 25.4% 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 | $231,300 |
| 18% below US avg |
| Zillow ZHVI | $368,746 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $941 |
| 19% below US avg |
| Rent Burden | 25.4% |
HUD Fair Market Rent
| Studio | $809 |
| 1 Bedroom | $899 |
| 2 Bedrooms | $1,125 |
| 3 Bedrooms | $1,483 |
| 4 Bedrooms | $1,698 |
Ownership & Property
| Homeownership | 83.0% |
| Owner-Occupied | 83.0% |
| Renter-Occupied | 17.0% |
| Housing Units | 1,731 |
| Median Year Built | 1972 |
Property Tax
| Avg Tax (IRS) | $5,612 |
| 60% above US avg |
| Effective Rate | 2.43% |
In St. Charles, 34.5% of adults are obese, above the national rate of 32.1%. 8.5% have diabetes (below the 10.5% national rate). Heart disease affects 4.9% of residents, below the national average. 27.1% have high blood pressure. 13.7% are current smokers. 21.3% report binge drinking. 21.7% are physically inactive. 24.7% report depression (above the 20.0% national average). 16.3% experience frequent mental distress. 8.6% of residents lack health insurance. The primary care physician ratio is 1:432. The dentist ratio is 1:752. 87.2% of residents have access to exercise opportunities. The food environment index is 9.5 out of 10.
Health Metrics: St. Charles vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.5% |
| 7% above US avg |
| Diabetes | 8.5% |
| Heart Disease | 4.9% |
| High Blood Pressure | 27.1% |
| Asthma | 10.1% |
| COPD | 4.8% |
| Cancer | 7.2% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 13.7% |
| 2% below US avg |
| Binge Drinking | 21.3% |
| Physical Inactivity | 21.7% |
| Depression | 24.7% |
| Mental Distress | 16.3% |
| Physical Distress | 11.0% |
| Short Sleep | 29.3% |
Healthcare Access
| Insurance Rate | 97.5% |
| Uninsured | 8.6% |
| 0% below US avg |
| Primary Care | 1:432 |
| Dentists | 1:752 |
| Mental Health | 1:181 |
| Checkup Rate | 71.0% |
| Dental Visits | 67.6% |
| Premature Death | 5,665/100K |
Food & Exercise
| Food Environment | 9.5/10 |
| Exercise Access | 87.2% |
| Healthcare Facilities | 540 |
St. Charles has a violent crime rate of 80 per 100,000 residents, 79% below the national average of 380. This breaks down to aggravated assault at 53.0 per 100,000, robbery at 0.0, rape at 26.5. The murder rate is 0.0 per 100,000 (below the national rate of 6.3). Property crime stands at 981 per 100,000, 50% below the U.S. average. This includes larceny/theft at 769, burglary at 106, vehicle theft at 106 per 100,000 residents. The county recorded 7 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 | 79.5/100K |
| 79% below US avg |
| Murder | 0.0/100K |
| 100% below US avg |
| Rape | 26.5/100K |
| Robbery | 0.0/100K |
| Assault | 53.0/100K |
Property Crime
| Total Property | 980.7/100K |
| 50% below US avg |
| Burglary | 106.0/100K |
| Theft | 768.6/100K |
| Vehicle Theft | 106.0/100K |
| Arson | 0.0/100K |
Traffic Safety
| Fatal Crashes (County/yr) | 7 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. Charles has a cool climate with an average annual temperature of 44°F (7°C). Winters average 14°F in January while summers reach 70°F in July. The area gets 260 sunny days per year, above the national average. Annual precipitation totals 36.8 inches. The area receives 42.2 inches of snow annually, making winter weather a significant factor for residents. Air quality is rated Good with a median AQI of 36. The city sits at an elevation of 1,132 feet.
Temperature
14°F Jan (-10°C)
70°F Jul (21°C)
| Annual Average | 43.8°F |
| 19% below US avg |
| January Average | 14°F (-10°C) |
| July Average | 70°F (21°C) |
| Sunny Days | 260 days/yr |
Geography
| Elevation | 1,132 ft (345 m) |
| Area | 3.8 sq mi (9.9 km²) |
| Population Density | 1,055/sq mi |
| Coordinates | 43.9687°N, 92.0593°W |
| Timezone | America/Chicago |
| County | Olmsted County County |
| Nearest Airport | Rochester International (RST)
22 miles away |
Precipitation & Snow
Annual Rainfall
36.8"
3% below US avg
Wettest Month (Jul)
4.41"
Air Quality
| AQI Median | 36.0 |
| Rating | Good |
Air Pollutants (EPA 2023)
| Ozone (O₃) | 0.0477 ppm |
| PM2.5 (Fine Particles) | 8.9 μg/m³ |
Natural Hazard Risk
| Overall Risk | Relatively Moderate |
| Risk Score | 82.4 / 100 |
| Social Vulnerability | 10.6 / 100 |
| Community Resilience | 99.3 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
No Rating |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Moderate |
| Hail |
Relatively Moderate |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Moderate |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively High |
| Landslide |
Relatively Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Tornado History
412 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 10 fatalities, 185 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Jul 12, 1971 |
EF4 |
88 km |
0 |
| May 5, 1965 |
EF4 |
98 km |
0 |
| Sep 16, 1962 |
EF4 |
31 km |
0 |
| May 10, 1953 |
EF4 |
64 km |
2 |
| Jun 17, 2010 |
EF3 |
97 km |
0 |
| Jun 17, 2010 |
EF3 |
86 km |
0 |
| Jun 11, 2004 |
EF3 |
75 km |
0 |
| May 15, 1998 |
EF3 |
69 km |
0 |
| Aug 27, 1994 |
EF3 |
91 km |
2 |
| Jul 19, 1994 |
EF3 |
76 km |
0 |
| Jul 27, 1987 |
EF3 |
85 km |
0 |
| Jun 5, 1980 |
EF3 |
75 km |
0 |
| May 5, 1965 |
EF3 |
52 km |
0 |
| May 26, 1959 |
EF3 |
51 km |
0 |
| Sep 12, 1951 |
EF3 |
74 km |
0 |
| Apr 12, 2022 |
EF2 |
68 km |
0 |
| May 22, 2011 |
EF2 |
71 km |
0 |
| May 22, 2011 |
EF2 |
55 km |
0 |
| Jul 14, 2010 |
EF2 |
98 km |
0 |
| Jul 14, 2010 |
EF2 |
91 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Wildfire History
1 wildfire (100+ acres) within 100 km.
Largest: BEAVER CUTOFF (982 ac, 2007).
| Year |
Name |
Acres |
Distance |
| 2007 |
BEAVER CUTOFF |
982 |
22 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
14°F (-10°C) |
0.9 in |
Coldest |
| February |
19°F (-7°C) |
0.8 in |
Driest |
| March |
31°F (-0°C) |
2.0 in |
|
| April |
46°F (8°C) |
3.0 in |
|
| May |
58°F (14°C) |
3.8 in |
|
| June |
67°F (20°C) |
4.2 in |
|
| July |
70°F (21°C) |
4.4 in |
Warmest, Wettest |
| August |
69°F (20°C) |
4.3 in |
|
| September |
60°F (16°C) |
4.0 in |
|
| October |
48°F (9°C) |
2.6 in |
|
| November |
33°F (0°C) |
1.8 in |
|
| December |
19°F (-7°C) |
1.3 in |
|
St. Charles has a seasonal temperature swing of 56°F / from 14°F in January to 70°F in July. Total annual precipitation is 33.0 inches, with July being the wettest month (4.4") and February the driest (0.8").
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) |
$247 ($148–$394) |
| Specialist Visit |
$345 ($197–$542) |
| Urgent Care Visit |
$197 ($99–$345) |
| Emergency Room Visit |
$2,169 ($789–$4,930) |
| Dental Cleaning |
$128 ($74–$197) |
| Dental Filling |
$247 ($148–$394) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($25–$74) |
| Oil Change (Synthetic) |
$74 ($49–$118) |
| Brake Pad Replacement |
$296 ($148–$493) |
| Tire Rotation |
$39 ($20–$74) |
| New Tires (Set of 4) |
$592 ($394–$986) |
| Battery Replacement |
$197 ($99–$345) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$99 ($59–$148) |
| Electrician (Per Hour) |
$89 ($49–$138) |
| HVAC Repair |
$394 ($148–$789) |
| HVAC System Install |
$6,902 ($3,944–$11,832) |
| Roof Repair |
$986 ($394–$1,972) |
| Roof Replacement |
$8,874 ($5,423–$14,790) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,479 ($493–$3,451) |
| Divorce (Contested) |
$14,790 ($4,930–$29,580) |
| DUI Defense |
$4,930 ($1,972–$9,860) |
| Bankruptcy (Chapter 7) |
$1,479 ($789–$2,958) |
| Will Preparation |
$493 ($197–$986) |
| Trust Preparation |
$2,465 ($986–$4,930) |
View all 12 services
Personal Care
| Men's Haircut |
$25 ($15–$44) |
| Women's Haircut |
$54 ($30–$99) |
| Hair Coloring (Full) |
$148 ($74–$247) |
| Manicure |
$25 ($15–$44) |
| Pedicure |
$39 ($25–$64) |
| Massage (1 Hour) |
$79 ($49–$128) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$4.04 ($2.96–$5.42) |
| Dozen Eggs (per dozen) |
$3.45 ($2.47–$4.93) |
| Loaf of Bread |
$3.75 ($2.47–$5.42) |
| Chicken Breast (per lb) |
$4.44 ($2.96–$6.41) |
| Ground Beef (per lb) |
$5.42 ($3.94–$7.40) |
| Rice (per lb) |
$0.99 ($0.59–$1.77) |
View all 20 services
Utilities
| Electricity (Monthly) |
$138 ($79–$247) |
| Natural Gas (Monthly) |
$69 ($30–$148) |
| Water/Sewer (Monthly) |
$69 ($39–$118) |
| Internet (Monthly) |
$69 ($39–$99) |
| Cell Phone Plan (Monthly) |
$64 ($30–$99) |
| Cable TV (Monthly) |
$84 ($49–$148) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$197 ($74–$493) |
| Car Insurance (Annual) |
$1,972 ($1,183–$3,451) |
| Bus Pass (Monthly) |
$69 ($30–$128) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.89–$25) |
| Car Registration (Annual) |
$99 ($30–$247) |
| Driver's License Renewal |
$30 ($15–$74) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,183 ($592–$2,465) |
| Daycare (Toddler, Monthly) |
$986 ($493–$1,972) |
| After-School Care (Monthly) |
$394 ($197–$690) |
| Tutoring (Per Hour) |
$49 ($25–$99) |
| SAT/ACT Prep Course |
$986 ($394–$2,465) |
| Private School (K-12, Annual) |
$12,325 ($4,930–$29,580) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$59 ($30–$99) |
| Dog Vaccination (Annual) |
$99 ($49–$197) |
| Dog Grooming |
$59 ($30–$99) |
| Pet Boarding (Per Night) |
$39 ($20–$74) |
| Dog Spay/Neuter |
$296 ($148–$493) |
| Cat Spay/Neuter |
$197 ($99–$394) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $1,689 |
| Toddler | $1,505 |
| Preschool | $1,338 |
| Family Childcare (monthly) |
| Infant | $765 |
| Toddler | $650 |
| Preschool | $664 |
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 4,021 residents and is located in Minnesota. The population density is 1,055 people per square mile, spread across 3.8 square miles. The median age of residents is 39.1 years. The population is 45.6% female and 54.4% male.
Is St. Charles expensive to live in?
St. Charles has a cost of living roughly in line with the national average, with an index of 98.6 (baseline: 100). The median household income is $96,544, 28% above the national average of $75,149. The median home value is $231,300 (18% below the U.S. median). Renters pay a median of $941 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 considered a very safe city with a violent crime rate of 80 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 981 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 cool climate with an average annual temperature of 44°F (7°C). Winter temperatures average 14°F in January, while summers reach an average of 70°F in July. The area receives 260 sunny days per year, well above the national average of 205. Annual rainfall totals 36.8 inches, with 42.2 inches of snow. Air quality is rated Good with a median Air Quality Index (AQI) of 36.
How is the job market in St. Charles?
The job market in St. Charles is very strong, with unemployment at just 1.6% / well below the national rate of 3.6%. The average weekly wage is $1,530. There are 4,061 business establishments in the area, including 383 restaurants and food service locations. The average commute time is 24 minutes, and 13.8% of workers work from home.
How much does housing cost in St. Charles?
The median home value in St. Charles is $231,300. Zillow estimates the typical home value at $368,746. For renters, the median monthly rent is $941. Fair market rent is $899 for a 1-bedroom and $1,125 for a 2-bedroom apartment. The homeownership rate is 83.0%. The average annual property tax is $5,612.
How are the schools in St. Charles?
Schools in St. Charles score 6.5 out of 10 on standardized testing, near the national average. 35.3% of adults in St. Charles hold a bachelor's degree or higher, above the national average of 33.7%. 94.4% have completed high school. 9.0% 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%). 13.7% of adults are smokers. 21.7% are physically inactive. 24.7% of residents report depression. 8.6% lack health insurance. 87.2% of residents have access to exercise opportunities. The primary care physician ratio is 1:432.
What is transportation like in St. Charles?
The average commute in St. Charles is 24 minutes, shorter than the national average of 28 minutes. 78.4% of workers drive alone to work, and 13.8% work from home.
What are the demographics of St. Charles?
The racial and ethnic makeup of St. Charles is 89.4% White. 94% of residents speak only English at home, while 6% speak Spanish. 11.4% of the population are military veterans. 10.1% of residents have a disability. 97.5% have health insurance coverage.
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