The typical owner-occupied home in Saint Charles is worth about $9,999, 97% below the Virginia median of $383,700 and 97% below the national median of $332,700. Owners pay a median $199 a year in property taxes, about 1.99% of their home's value, higher than the Virginia rate of 0.73%. The median household earns $24,338 a year, so the median home costs 0.4 times the median income (4.1 times for Virginia). 100% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Saint Charles at a glance
| Saint Charles | Virginia | U.S. | |
|---|---|---|---|
| Median home value | $9,999 | $383,700 | $332,700 |
| Median property tax paid per year | $199 | $2,790 | $3,119 |
| Property tax as a share of value | 1.99% | 0.73% | 0.94% |
| Median household income | $24,338 | $93,170 | $80,734 |
| Homes lived in by their owners | 100% | 67% | 65% |
| Owner homes with a mortgage | 0% | 67% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,127 | $1,963 |
| Median rent | – | $1,579 | $1,413 |
| Median year homes were built | 1944 | 1984 | 1980 |
| Vacant homes | 38.3% | 8.7% | 10.1% |
| Population | 83 | 8,705,170 | 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 $9,999 with 20% down costs about $75 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $91, 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 $3,195 for the 20%-down payment. That payment is 4% of the median Saint Charles household income of $24,338; at that income and 20% down, the 28% guideline points to a home of about $76,000.
| Down payment | $2,000 |
|---|---|
| Loan amount | $7,999 |
| Principal and interest | $54 |
| Property taxes (1.99% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $4 |
| PMI | $0 |
| Total per month | $75 |
Change the numbers in the calculator
| Down payment | $350 |
|---|---|
| Loan amount | $9,818 |
| Principal and interest | $66 |
| Property taxes (1.99% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $4 |
| FHA mortgage insurance | $4 |
| Total per month | $91 |
Change the numbers in the calculator
Questions about home buying in Saint Charles
What is the median home value in Saint Charles?
About $9,999 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 $199 a year, which is about 1.99% 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 $75 a month. Keeping that under 28% of gross income takes about $3,195 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