The typical owner-occupied home in Saint Charles is worth about $298,700, 30% above the Missouri median of $230,300 and 10% below the national median of $332,700. Owners pay a median $3,126 a year in property taxes, about 1.05% of their home's value, higher than the Missouri rate of 0.85%. The median household earns $85,937 a year, so the median home costs 3.5 times the median income (3.3 times for Missouri). 68% of occupied homes here are lived in by their owners, and 65% of those owners still have a mortgage.
Saint Charles at a glance
| Saint Charles | Missouri | U.S. | |
|---|---|---|---|
| Median home value | $298,700 | $230,300 | $332,700 |
| Median property tax paid per year | $3,126 | $1,948 | $3,119 |
| Property tax as a share of value | 1.05% | 0.85% | 0.94% |
| Median household income | $85,937 | $70,702 | $80,734 |
| Homes lived in by their owners | 68% | 68% | 65% |
| Owner homes with a mortgage | 65% | 60% | 61% |
| Median monthly costs, owners with a mortgage | $1,808 | $1,524 | $1,963 |
| Those costs as a share of the owners' income | 18.7% | 19.0% | 21.0% |
| Median rent | $1,251 | $1,033 | $1,413 |
| Rent as a share of renters' income | 26.5% | 28.1% | 30.6% |
| Median year homes were built | 1986 | 1978 | 1980 |
| Vacant homes | 6.0% | 11.2% | 10.1% |
| Population | 71,508 | 6,191,814 | 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 $298,700 with 20% down costs about $1,993 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,491, 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 $85,428 for the 20%-down payment. That payment is 28% of the median Saint Charles household income of $85,937; at that income and 20% down, the 28% guideline points to a home of about $300,000.
The median rent here is $1,251 a month, so owning the median home costs about $742 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $59,740 |
|---|---|
| Loan amount | $238,960 |
| Principal and interest | $1,608 |
| Property taxes (1.05% a year) | $261 |
| Homeowners insurance (our estimate, 0.5% a year) | $124 |
| PMI | $0 |
| Total per month | $1,993 |
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| Down payment | $10,454 |
|---|---|
| Loan amount | $293,290 |
| Principal and interest | $1,973 |
| Property taxes (1.05% a year) | $261 |
| Homeowners insurance (our estimate, 0.5% a year) | $124 |
| FHA mortgage insurance | $132 |
| Total per month | $2,491 |
Change the numbers in the calculator
Questions about home buying in Saint Charles
What is the median home value in Saint Charles?
About $298,700 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 $3,126 a year, which is about 1.05% 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 $1,993 a month. Keeping that under 28% of gross income takes about $85,428 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