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St. Charles, MO

Missouri

St. Charles is a mid-size city in Missouri with a population of 71,048. Residents earn $85,522 per year, which is 14% above the national average.

3.8 /5.0
B+ Good
71,048 Population 2,818/sq mi density
$85,522 Median Income $49,196 per capita
$280,800 Home Value
$1,186 Median Rent 24.7% income on rent
56°F Avg Temperature 260 sunny days/yr
184 Violent Crime/100K 2,500 property/100K
B+
Overall
3.8 / 5.0
Good overall score based on economy, affordability, safety and education
A+
Economy
4.7 / 5.0
$85,522 median income, 1.5% unemployment
A+
Affordability
4.8 / 5.0
$280,800 home value, $1,186/mo rent
F
Safety
1.0 / 5.0
184 violent crimes/100K (52% below avg)
A+
Education
4.5 / 5.0
44.2% bachelor's degree or higher
Median Income $85,522
14% higher than US avg
Home Value $280,800
0% lower than US avg
Violent Crime 184/100K
52% lower than US avg
Bachelor's+ 44.2%
31% higher than US avg
Median Rent $1,186
2% higher than US avg
Obesity Rate 36.5%
14% higher than US avg
Unemployment 1.5%
58% lower than US avg
Poverty Rate 2.6%
79% lower than US avg

How St. Charles Compares to the U.S. Average (100% = U.S. avg)

People

Population71,048
Median Age38.9 yrs
Density2,818/mi²
Male / Female50% / 51%
Largest GroupWhite 79%
Veterans6.9%

Economy

A+
Median Income$85,522
Per Capita$49,196
Unemployment1.5%
Poverty2.6%
Commute22 min

Housing

A+
Home Value$280,800
Rent$1,186
OwnershipN/A
Housing Units31,625
Rent Burden24.7%

Crime

F
Violent184/100K
Property2,500/100K
Murder1.5/100K
Assault109/100K
Burglary262/100K

Health

Obesity36.5%
Uninsured7.3%
Smoking13.1%
Depression23.8%
Heart Disease4.9%

Climate

Avg Temp56°F (13°C)
AQI41 (Good)
Rain42.0 in/yr
Sunny Days260/yr
Elevation226 ft (69 m)

Education

A+
Bachelor's+44.2%
High School+94.3%
Graduate+17.5%
School Score6.47

Community

2024 VoteR 77% / D 22%
Commute22 min
Broadband93.5%
EV Stations5

Is St. Charles a Good Place to Live?

Based on current data, St. Charles receives an overall livability score of 3.8 out of 5.0, earning a grade of B+. Key strengths include above-average household incomes, low unemployment, low crime rates, a highly educated population. 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 $85,522, 14% above the national average of $75,149. Residents generally enjoy above-average earning potential. The job market is very strong with unemployment at just 1.5%. Only 2.6% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 22 minutes.

Cost of Living & Housing

The median home value in St. Charles is $280,800, roughly aligned with the national median of $281,900. Renters pay a median of $1,186 per month. A price-to-income ratio of 3.3x indicates a reasonably affordable housing market.

Safety & Crime

Violent crime in St. Charles is below the national average at 184 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 2,500 per 100,000, 28% above the national average.

Education

Educational attainment is solid, with 44.2% holding a bachelor's degree or higher, near the national average. 94.3% have completed high school. Local schools score 6.5/10 in standardized testing, reflecting strong academic performance.

Climate & Weather

St. Charles enjoys a moderate climate with an average annual temperature of 56°F. Winters average 34°F in January while summers reach 77°F in July. With 260 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 42.0 inches. Air quality is rated Good with a median AQI of 41.

St. Charles has a population of 71,048 with a density of 2,818 people per square mile. The median age is 38.9 years, 0% younger than the national median of 38.9. The city is predominantly White (79.3%), with 7.7% Black.

Population

71,048
Total Population
2,818
People / sq mi
38.9yrs
Median Age
0% below US avg
25.2mi²
Land Area

Gender Distribution

Male 49.5%
Female 50.5%

Race & Ethnicity

St. Charles vs U.S. Average

Language Spoken at Home

English Only92.6%
18% above US avg
Spanish7.4%
45% below US avg

Social Characteristics

St. Charles vs U.S. Average

The median household income in St. Charles is $85,522, which is 14% above the national average of $75,149. The unemployment rate is 1.5% (below the 3.6% US average). 2.6% of residents live below the poverty line. Workers commute an average of 22 minutes.

Income: St. Charles vs U.S.

Commute Mode

Income

Median HH Income$85,522
14% above US avg
Per Capita Income$49,196

Employment & Poverty

Unemployment1.5%
58% below US avg
Poverty Rate2.6%
79% below US avg

Business (County)

Tax & Cost of Living

Cost of Living90.80 (100=avg)

Commute & Transportation

Commute Time21.7 min
Drive Alone76.0%
Public Transit0.1%
Work from Home15.6%

Walkability

The median home value in St. Charles is $280,800, 0% below the national average. Monthly rent averages $1,186 (2% above US avg).

Home Value Sources

Ownership Split

Home Values

Census Median$280,800
0% below US avg
Median List Price$393,345

Real Estate Market (Redfin)

Median List Price$393,345
$/Sq Ft$185
Homes Sold59
Sale-to-List Ratio100.3%
Price Drops31.1%
Inventory90

Rental Costs

Census Median Rent$1,186
2% above US avg
Rent Burden24.7%

HUD Fair Market Rent

Studio$955
1 Bedroom$995
2 Bedrooms$1,218
3 Bedrooms$1,568
4 Bedrooms$1,812

Ownership & Property

Owner-Occupied67.9%
Housing Units31,625
Median Year Built1985

Property Tax

In St. Charles, 36.5% of adults are obese (above the 32.1% national rate). 7.3% of residents lack health insurance. 13.1% are current smokers. 23.8% report depression. 23.6% are physically inactive.

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

Chronic Conditions

Obesity36.5%
14% above US avg
Diabetes9.4%
Heart Disease4.9%
High Blood Pressure29.3%
Asthma10.4%
COPD5.5%
Cancer7.5%
Stroke2.6%

Behaviors & Mental Health

Smoking13.1%
6% below US avg
Binge Drinking19.6%
Physical Inactivity23.6%
Depression23.8%
Mental Distress16.6%
Physical Distress11.8%
Short Sleep40.8%

Healthcare Access

Insurance Rate95.4%
Uninsured7.3%
15% below US avg
Checkup Rate76.4%
Dental Visits65.2%

Food & Exercise

St. Charles has a violent crime rate of 184 per 100,000 residents, 52% below the national average of 380. Property crime stands at 2,500 per 100,000 (28% above US avg). The murder rate is 1.5 per 100,000.

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

Violent Crime

Total Violent183.9/100K
52% below US avg
Murder1.5/100K
77% below US avg
Rape28.0/100K
Robbery45.6/100K
Assault108.9/100K

Property Crime

Total Property2,499.6/100K
28% above US avg
Burglary261.9/100K
Theft2,123.0/100K
Vehicle Theft114.8/100K
Arson33.8/100K

Traffic Safety

Safety Score

Safety GradeF
Safety Score1.0 / 5.0
St. Charles has an average annual temperature of 56°F (13°C). Winters average 34°F in January while summers reach 77°F in July. Annual precipitation is 42.0 inches. The area enjoys 260 sunny days per year. Air quality is rated Good with a median AQI of 41.

Temperature

34°F Jan (1°C) 77°F Jul (25°C)
Annual Average56.0°F
4% above US avg
January Average34°F (1°C)
July Average77°F (25°C)
Sunny Days260 days/yr

Precipitation & Snow

Annual Rainfall42.0 inches
10% above US avg
Snowfall3.2 inches/yr

Air Quality

AQI Median41.0
RatingGood

Geography

Elevation226 ft (69 m)
Area25.2 sq mi (65.3 km²)
Population Density2,818/sq mi
Coordinates38.6073°N, 76.9248°W
TimezoneAmerica/Chicago
44.2% of residents hold a bachelor's degree or higher (31% above US avg). In the 2024 election, the county voted Republican by a 54.2-point margin. 93.5% of households have broadband internet.

2024 Presidential Election (County)

R 76.6%
D 22.4%

Winner: Republican by 54.2 points

Education

Bachelor's Degree+44.2%
31% above US avg
High School+94.3%
Graduate Degree+17.5%
School Test Score6.47
A+ Education Grade (4.5/5.0)

Urban-Rural Classification

Population Density2,818/sq mi
Total Area25.2 sq mi

Infrastructure & Services

Broadband Access93.5%
EV Charging Stations5
Alt Fuel Stations7

Safety & Disasters

F Safety Grade (1.0/5.0)

Commute & Transportation

Avg Commute21.7 min
Drive Alone76.0%
Public Transit0.1%
Work from Home15.6%

Nearby Cities

Waldorf, MD 82,541 pop · 0.3 mi Bensville, MD 14,792 pop · 4.3 mi La Plata, MD 10,470 pop · 5.0 mi Brandywine, MD 10,989 pop · 5.6 mi Accokeek, MD 13,226 pop · 6.3 mi Bryans Road, MD 9,174 pop · 9.0 mi Hughesville, MD 2,280 pop · 9.5 mi Fort Washington, MD 25,843 pop · 9.7 mi Clinton, MD 38,756 pop · 10.0 mi Baden, MD 1,968 pop · 10.7 mi Friendly, MD 11,673 pop · 10.8 mi Potomac Heights, MD 1,102 pop · 11.2 mi Fort Hunt, VA 16,519 pop · 11.4 mi Mount Vernon, VA 13,120 pop · 12.2 mi
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