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Living in
St. Charles.
About
Life in St. Charles
St. Charles offers solid middle-class stability if you're looking to live in the greater St. Louis region without the urban core's intensity.
St. Charles at a Glance
Population, income, housing and more
Median Age
38.6 yrs
Poverty Rate
7.3%
Foreign-Born
6.2%
Broadband Internet
94.6%
of households
Population Growth
+2.7%
recent change · Census Bureau
Median household income
Demographics6.2% foreign-born, most often from Mexico
Who lives in St. Charles: race and ethnicity, ages, households, languages and countries of origin
In St. Charles, the largest foreign-born group is from Mexico (13.5%), and 4.1% of residents speak Spanish at home.
Under 18
17.7%
of residents
65 and Older
18.3%
of residents
Households with Kids
24.9%
anyone under 18
Living Alone
32.9%
of households
Married Couples
44.6%
of households
Avg Household Size
2.20
people
Race & Ethnicity
Hispanic or Latino of any race; other groups are non-Hispanic
Top countries of origin (foreign-born)
Languages Spoken at Home
Cost of Livingrent 21% above MO average
Rent, home values, and income in St. Charles
In St. Charles, rent runs 21% above the MO average, and home values are 30% above the MO average.
Median rent (per month)
Median home value
Rent Burdened
36.7%
spending 30%+ of income on rent
Severely Rent Burdened
18.4%
spending 50%+
Cost of Living Index
95.1
metro area (BEA) · US avg = 100
Median Property Tax
$3,126
per year, owner-occupied homes
Homeowners
68.0%
of occupied homes are owned
Typical Home Built
1986
median year built
Vacant Homes
6.0%
of housing units
Jobs & Economyunemployment about average for MO
Unemployment in St. Charles and typical pay across the metro area
Unemployment in St. Charles is close to the MO average.
Unemployment rate
City-level rate · BLS annual average
Unemployment Rate — 10 Year Trend
City-level (BLS) · Annual averages
What St. Charles Residents Do for Work · share of employed residents by industry
City residents, wherever they work
Median Salary by Occupation · metro area
St. Louis, MO-IL metro area
Commute21.6 min avg
How St. Charles residents get to work, and the nearest airports
In St. Charles, most residents drive alone to work (74%), and 73% get there in under 30 minutes.
How People Get to Work
Commute Time Distribution
Nearest airports · with airline service
- 6 mi
St. Louis Lambert International Airport (STL)
Medium hub7.5M passengers boarded in 2025
Straight-line distance. Size is the FAA’s hub category, based on passenger traffic: regional airports may have only a few flights a day.
Safetyviolent crime 44% below national average
Crime rates for 2025
Violent crime in St. Charles runs 44% below the national average.
Violent Crime Rate
183.9
per 100,000 residents
Below average (329 national, 2025)
Property Crime Rate
823.3
per 100,000 residents
Below average (1,552 national, 2025)
St. Charles Police Department
Natural DisastersThunderstorm Wind most common — 20 events in 2025
Natural hazard risk, storms and earthquakes
FEMA National Risk Index
Relatively Moderate
92.6 / 100
Compares expected losses from natural hazards, social vulnerability and community resilience against every US county (higher = more risk).
St. Charles County, county-wide · FEMA NRI December 2025
In St. Charles County, which includes St. Charles, the most common type is thunderstorm wind, with 20 recorded events in 2025.
Most common events:
Storm events by year
| Year | Events | Top Type | Property Damage |
|---|---|---|---|
| 2025 | 20 | Hail | $292,000 |
| 2024 | 10 | Hail | $20.0M |
| 2023 | 10 | Thunderstorm Wind | $15,000 |
| 2022 | 9 | Thunderstorm Wind | $10.1M |
| 2021 | 15 | Thunderstorm Wind | $3.4M |
| 2020 | 9 | Thunderstorm Wind | None reported |
| 2019 | 23 | Thunderstorm Wind | $1.1M |
| 2018 | 12 | Thunderstorm Wind | $34,000 |
Property damage is the National Weather Service's estimate filed with each event. “None reported” means the events were logged with $0 damage; “Not estimated” means no estimate was filed. Storms covering several counties aren't counted here, since NOAA doesn't split their damage by county.
1 earthquake of magnitude 2.5+ within 100 miles in the past year
St. Charles County, county-wide
Air Quality55 median AQI — Moderate
Days by air quality category (2025)
Air quality in St. Louis city, MO (the nearest EPA-monitored county, about 18 miles from St. Charles) is typically moderate — acceptable for most people, but can affect those unusually sensitive to air pollution.
Median AQI
55
Good Days
125
per year
Moderate Days
232
per year
Unhealthy Days
2
per year
Nearest EPA monitor county: St. Louis city, MO (18 mi away)
Climate86°F summers, 25°F winters
30-year climate averages (1991–2020) — monthly temperatures and precipitation
St. Charles has warm summers (avg high 86°F) and cold winters (avg low 25°F).
Spring (Mar–May)
66°/44°F
avg high / low
Summer (Jun–Aug)
86°/66°F
avg high / low
Fall (Sep–Nov)
68°/46°F
avg high / low
Winter (Dec–Feb)
43°/25°F
avg high / low
Annual Precipitation
45.7"
Annual Snowfall
9.0"
Hot Days/Year
34
days above 90°F
Freeze Days/Year
105
days below 32°F
Rainy Days/Year
101
Average month
Show month-by-month table ↓Hide table ↑
| Month | High | Low | Precip |
|---|---|---|---|
| Jan | 40°F | 22°F | 2.74" |
| Feb | 45°F | 25°F | 2.86" |
| Mar | 55°F | 34°F | 3.63" |
| Apr | 67°F | 44°F | 5.11" |
| May | 76°F | 55°F | 5.45" |
| Jun | 84°F | 64°F | 4.35" |
| Jul | 88°F | 68°F | 4.20" |
| Aug | 87°F | 66°F | 4.07" |
| Sep | 80°F | 57°F | 3.08" |
| Oct | 69°F | 46°F | 3.50" |
| Nov | 55°F | 35°F | 3.73" |
| Dec | 44°F | 26°F | 2.99" |
Healthcare1 hospital, avg 3.0/5
Hospitals, ratings, and health insurance in St. Charles
St. Charles has 1 hospital, averaging 3.0 out of 5 on CMS's quality rating.
Hospitals
1
within city limits
Uninsured
5.0%
of residents
Avg Hospital Rating
3.0 / 5
Ssm St Joseph Health Center
Acute Care Hospitals · ER available
Nearby hospitals · within 15 miles
Barnes-jewish St Peters Hospital
Acute Care Hospitals · ER available · 3.4 mi away · Saint Peters
Ssm Health Depaul Hospital St Louis
Acute Care Hospitals · ER available · 5.3 mi away · Bridgeton
Ranken Jordan Pediatric Bridge Hospital
Childrens · 8 mi away · Maryland Heights
Adult Health · vs. the typical US place
Share of adults. Modeled estimates, not counted cases. “US” = the typical US place.
Medicare-certified hospitals only. Doesn’t include clinics, urgent care, or freestanding ERs.
Education11.1:1 student/teacher ratio
Schools and degree attainment in St. Charles
St. Charles's student/teacher ratio is 11.1:1 (lower than the national average of 16:1), and 43.3% of adults 25+ hold a bachelor's degree or higher.
Public Schools
17
within city limits
Private Schools
5
within city limits
College Degree Rate
43.3%
adults 25+ with bachelor's or higher
Student/Teacher Ratio
11.1:1
National avg 16:1
Schools located within city limits (2023) — school-level metrics change slowly year to year
Colleges & Universities in St. Charles
Private nonprofit · 4-year · 4,624 students · in-state tuition $22,794 · 56% graduate · median earnings $58,321 (10 yrs after entry)
Nearby Colleges (within 15 miles)
Maryville University of Saint Louis
10.5 mi awayPrivate nonprofit · 4-year · 5,658 students · in-state tuition $27,166 · 61% graduate · median earnings $67,386 (10 yrs after entry)
Private nonprofit · 4-year · 1,488 students · in-state tuition $36,084 · 56% graduate · median earnings $49,360 (10 yrs after entry)
Chamberlain University-Missouri
7.8 mi awayPrivate for-profit · 4-year · 284 students · in-state tuition $20,845 · 62% graduate · median earnings $96,897 (10 yrs after entry)
Private nonprofit · 4-year · 229 students · in-state tuition $10,800 · 55% graduate · median earnings $59,488 (10 yrs after entry)
Arizona College of Nursing-St Louis
8.1 mi awayPrivate for-profit · 4-year · 131 students · in-state tuition $24,600 · median earnings $41,223 (10 yrs after entry)
Degree-granting colleges with 100+ students, placed by campus location (main campuses only — branch campuses are reported under their parent school)
Parks & Recreationclosest: Ulysses S Grant National Historic Site, 19 mi
Nearby national parks, recreation areas and public libraries for St. Charles
St. Charles has 6 nearby national parks or recreation areas, closest being Ulysses S Grant National Historic Site (19 mi away).
Nearby National Parks & Recreation Areas
Ulysses S Grant National Historic Site
National Historic Site
19 mi awayGateway Arch National Park
National Park
21 mi awaySte. Geneviève National Historical Park
National Historical Park
62 mi awayNew Philadelphia National Historic Site
National Historic Site
67 mi awayLincoln Home National Historic Site
National Historic Site
83 mi awaySpringfield 1908 Race Riot National Monument
National Monument
84 mi awayPublic Libraries in St. Charles
Kathryn Linnemann Branch
2323 Elm St, St. Charles
Cities Near St. Charles
The closest cities within 60 miles
Planning a move to St. Charles?
Read our full moving guide — what it's really like to live here.
St. Charles FAQ
Is St. Charles, Missouri affordable?⌄
St. Charles's median rent is $1,251/month, which is below the national average, making it relatively affordable. The median household income is $85,937/year. Median home value is $298,700.
Is St. Charles, Missouri safe?⌄
St. Charles's violent crime rate was 184 per 100,000 residents in 2025, which is well below the national average — one of the safer cities in the country of 329/100k that year. Property crime rate is 823 per 100,000. As with any city, crime rates vary by neighborhood.
What is the job market like in St. Charles, Missouri?⌄
St. Charles has an unemployment rate of 3.7%, which is solid, slightly below the national average of 4.3%.
What is the cost of living in St. Charles, Missouri?⌄
The cost of living in St. Charles is primarily driven by housing. Median rent is $1,251/month and median household income is $85,937/year. The median home value is $298,700. About 37% of renters spend more than 30% of their income on housing.
How is the commute in St. Charles, Missouri?⌄
The average commute in St. Charles is 22 minutes, which is about average compared to the national average of 26 minutes.
Data from the US Census Bureau, BLS, FBI, NOAA, EPA, Zillow Research and other public sources. Where our data comes from