The typical owner-occupied home in Saint Charles is worth about $55,700, 73% below the Kentucky median of $205,600 and 83% below the national median of $332,700. Owners pay a median $415 a year in property taxes, about 0.75% of their home's value, close to the Kentucky rate of 0.75%. The median household earns $44,688 a year, so the median home costs 1.2 times the median income (3.2 times for Kentucky). 61% of occupied homes here are lived in by their owners, and 17% of those owners still have a mortgage.
Saint Charles at a glance
| Saint Charles | Kentucky | U.S. | |
|---|---|---|---|
| Median home value | $55,700 | $205,600 | $332,700 |
| Median property tax paid per year | $415 | $1,544 | $3,119 |
| Property tax as a share of value | 0.75% | 0.75% | 0.94% |
| Median household income | $44,688 | $63,726 | $80,734 |
| Homes lived in by their owners | 61% | 68% | 65% |
| Owner homes with a mortgage | 17% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,000 | $1,433 | $1,963 |
| Those costs as a share of the owners' income | 16.7% | 18.8% | 21.0% |
| Median rent | $738 | $967 | $1,413 |
| Rent as a share of renters' income | 27.5% | 28.1% | 30.6% |
| Median year homes were built | 1972 | 1982 | 1980 |
| Vacant homes | 19.0% | 10.3% | 10.1% |
| Population | 293 | 4,534,824 | 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 $55,700 with 20% down costs about $358 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $451, 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 $15,333 for the 20%-down payment. That payment is 10% of the median Saint Charles household income of $44,688; at that income and 20% down, the 28% guideline points to a home of about $162,000.
The median rent here is $738 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $11,140 |
|---|---|
| Loan amount | $44,560 |
| Principal and interest | $300 |
| Property taxes (0.75% a year) | $35 |
| Homeowners insurance (our estimate, 0.5% a year) | $23 |
| PMI | $0 |
| Total per month | $358 |
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| Down payment | $1,950 |
|---|---|
| Loan amount | $54,691 |
| Principal and interest | $368 |
| Property taxes (0.75% a year) | $35 |
| Homeowners insurance (our estimate, 0.5% a year) | $23 |
| FHA mortgage insurance | $25 |
| Total per month | $451 |
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Questions about home buying in Saint Charles
What is the median home value in Saint Charles?
About $55,700 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 $415 a year, which is about 0.75% 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 $358 a month. Keeping that under 28% of gross income takes about $15,333 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