The typical owner-occupied home in St. Charles County is worth about $320,800, 39% above the Missouri median of $230,300 and 4% below the national median of $332,700. Owners pay a median $3,480 a year in property taxes, about 1.08% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $104,692 a year, so the median home costs 3.1 times the median income (3.3 times for Missouri). 81% of occupied homes here are lived in by their owners, and 71% of those owners still have a mortgage.
St. Charles County at a glance
| St. Charles County | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $320,800 | $230,300 | $332,700 |
| Median property tax paid per year | $3,480 | $1,948 | $3,119 |
| Property tax as a share of value | 1.08% | 0.85% | 0.94% |
| Median household income | $104,692 | $70,702 | $80,734 |
| Homes lived in by their owners | 81% | 68% | 65% |
| Owner homes with a mortgage | 71% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,866 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 18.5% | 19.0% | 21.0% |
| Median rent | $1,370 | $1,033 | $1,413 |
| Rent as a share of renters' income | 27.0% | 28.1% | 30.6% |
| Median year homes were built | 1994 | 1978 | 1980 |
| Vacant homes | 3.5% | 11.2% | 10.1% |
| Population | 414,535 | 6,191,814 | 334,922,499 |
What a typical home costs per month in St. Charles County
At this week's average 30-year rate of 7.11%, buying the median St. Charles County home of $320,800 with 20% down costs about $2,149 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,683, 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 $92,092 for the 20%-down payment. That payment is 25% of the median St. Charles County household income of $104,692; at that income and 20% down, the 28% guideline points to a home of about $365,000.
The median rent here is $1,370 a month, so owning the median home costs about $779 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $64,160 |
|---|---|
| Loan amount | $256,640 |
| Principal and interest | $1,726 |
| Property taxes (1.08% a year) | $289 |
| Homeowners insurance (our estimate, 0.5% a year) | $134 |
| PMI | $0 |
| Total per month | $2,149 |
Change the numbers in the calculator
| Down payment | $11,228 |
|---|---|
| Loan amount | $314,990 |
| Principal and interest | $2,119 |
| Property taxes (1.08% a year) | $289 |
| Homeowners insurance (our estimate, 0.5% a year) | $134 |
| FHA mortgage insurance | $142 |
| Total per month | $2,683 |
Change the numbers in the calculator
Questions about home buying in St. Charles County
What is the median home value in St. Charles County?
About $320,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in St. Charles County?
Homeowners pay a median $3,480 a year, which is about 1.08% 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 St. Charles County?
For the median home with 20% down at 7.11%, the payment is about $2,149 a month. Keeping that under 28% of gross income takes about $92,092 a year.
More about St. Charles County
- Mortgage Refinance in St. Charles County
- Debt Relief in St. Charles County
- Home Equity Loans in St. Charles County
- 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