The typical owner-occupied home in Saint Charles is worth about $210,000, 50% below the Idaho median of $418,600 and 37% below the national median of $332,700. Owners pay a median $750 a year in property taxes, about 0.36% of their home's value, lower than the Idaho rate of 0.49%. 98% of occupied homes here are lived in by their owners, and 22% of those owners still have a mortgage.
Saint Charles at a glance
| Saint Charles | Idaho | U.S. | |
|---|---|---|---|
| Median home value | $210,000 | $418,600 | $332,700 |
| Median property tax paid per year | $750 | $2,038 | $3,119 |
| Property tax as a share of value | 0.36% | 0.49% | 0.94% |
| Median household income | – | $77,800 | $80,734 |
| Homes lived in by their owners | 98% | 72% | 65% |
| Owner homes with a mortgage | 22% | 62% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,687 | $1,963 |
| Median rent | – | $1,238 | $1,413 |
| Median year homes were built | 1944 | 1991 | 1980 |
| Vacant homes | 63.6% | 10.3% | 10.1% |
| Population | 145 | 1,934,262 | 334,922,499 |
What a typical home costs per month in Saint Charles
At this week's average 30-year rate of 7.11%, buying the median Saint Charles home of $210,000 with 20% down costs about $1,281 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,630, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $54,885 for the 20%-down payment.
| Down payment | $42,000 |
|---|---|
| Loan amount | $168,000 |
| Principal and interest | $1,130 |
| Property taxes (0.36% a year) | $63 |
| Homeowners insurance (our estimate, 0.5% a year) | $88 |
| PMI | $0 |
| Total per month | $1,281 |
Change the numbers in the calculator
| Down payment | $7,350 |
|---|---|
| Loan amount | $206,196 |
| Principal and interest | $1,387 |
| Property taxes (0.36% a year) | $63 |
| Homeowners insurance (our estimate, 0.5% a year) | $88 |
| FHA mortgage insurance | $93 |
| Total per month | $1,630 |
Change the numbers in the calculator
Questions about home buying in Saint Charles
What is the median home value in Saint Charles?
About $210,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Charles?
Homeowners pay a median $750 a year, which is about 0.36% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Charles?
For the median home with 20% down at 7.11%, the payment is about $1,281 a month. Keeping that under 28% of gross income takes about $54,885 a year.
More about Saint Charles
- Mortgage Refinance in Saint Charles
- Debt Relief in Saint Charles
- Home Equity Loans in Saint Charles
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data