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Market AnalysisUpdated March 2026

St. Charles County, MO — Market Snapshot

Real estate market data for St. Charles County, Missouri. Census demographics, rental trends, and economic indicators for investors and developers.

Population

409,830

ACS 2023

Median Household Income

$106,283

ACS 2023

Renter-Occupied

19%

ACS 2023

Median Rent

$1,334/mo

ACS 2023

Source: U.S. Census Bureau, American Community Survey 2023

Population & Income Profile

Age Distribution

Under 19
25.1%
Ages 20–29
11.7%
Ages 30–39
13.7%
Ages 40–49
13.1%
Ages 50–59
13.1%
Ages 60–69
12.3%
Over 70
10.9%

Household Income Distribution

Under $30K
9.0%
$30K–$50K
11.0%
$50K–$75K
00.0%
$75K–$100K
00.0%
$100K–$150K
00.0%
Above $150K
00.0%

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Source: U.S. Census Bureau, American Community Survey 2023

Housing Affordability

Affordability Label

Very Affordable (<3x)

ACS 2023

Price-to-Income Ratio

5.0x

Redfin SFR ÷ FRED Per Capita Income
Very Affordable (<3x)Moderate (3–5x)Expensive (5–7x)Very Expensive (>7x)
5.0x

At 5.0x price-to-income, median home prices in St. Charles County are elevated relative to income.

Affordability label: U.S. Census Bureau ACS 2023. Price-to-income: Redfin median sale price (SFR, Dec 2025) ÷ FRED per capita personal income (Q4 2025).

Housing Market Overview

Median Home Value
$361,000
Median Gross Rent
$1,334/mo
Homeownership Rate
81%
Typical Monthly Housing Cost(owner-occupied w/ mortgage)
$1,493/mo
Median Annual Property Tax(ACS estimate)
$3,413
Vacancy Rate
Dashboard

Source: U.S. Census Bureau, ACS 2023. Monthly Housing Cost: ACS B25105. Property Tax: ACS B25103.

Home Price Index

St. Charles County HPI

253.6

FRED Q4 2025

Since 2020

+52.4%

vs. 2020 baseline

St. Charles County home values have appreciated 52.4% since 2020, trailing the Missouri statewide average of 59.5%.

Source: Federal Reserve Economic Data (FRED) — FHFA House Price Index. Updated Q4 2025.

Investment Analysis

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Market Tier

Bawa Score: 85 / 100

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Economic Indicators

Unemployment Rate
2.7%
Per Capita Personal Income
$71,954
Labor Force
233,338
GDP
$21B
Building Permits
2,040

▼ −29.6% since 2020

State Overview

State Tax Revenue (quarterly)millions USD, not seasonally adjusted
$4.6B
State Home Price Index
559.6
State GDP
$449B

Source: Federal Reserve Economic Data (FRED). Updated Q4 2025.

Nearby Markets

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