St. Charles, Illinois Housing Market Prices
Updated
St. Charles Home Prices and Rent at a Glance
The median home price (often called the average home price), rent costs, affordability metrics, and housing stock characteristics for this housing market.
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Median home price 9% above the Illinois median$162,898
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Median rent 42% above the Illinois median$1,806
Housing Market Overview
| Metric | St. Charles | Illinois Avg | US Average |
|---|---|---|---|
| Median Home Price | $162,898 | $149,936 | $248,835 |
| Price Trend (Annual %) | 9.1% | 2.5% | 7.5% |
| Median Gross Rent | $1,806 | $1,274 | $1,407 |
| Rent Trend (Annual %) | 6.3% | 4.1% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in St. Charles is about 9% higher than in Illinois. Rent is about 42% higher than the Illinois average.
Median Home and Rent Price Trends
Median Home Prices, 2015-2024
Median Rent Prices, 2015-2024
Both home prices and rent are rising in St. Charles, up about 9.1% and 6.3% a year respectively. Home prices are changing faster.
Median rent in St. Charles rose about 67.8% between 2015 and 2024, from $1,076 to $1,806. Over the same span, rent in Illinois rose about 40.4%.
Affordability
On average, housing unit costs 1.5 yearly household incomes in St. Charles.
Buying the median-priced home in St. Charles costs roughly 7.5 years of rent at the median monthly rate. That is a relatively low price-to-rent ratio, which tends to favor buying over renting in St. Charles. The price-to-rent ratio in Illinois is about 9.8.
| Metric | St. Charles | Illinois Avg | US Average |
|---|---|---|---|
| Median Home Price | $162,898 | $149,936 | $248,835 |
| Median Household Income | $110,703 | $84,042 | $80,455 |
| Price-to-Income Ratio | 1.5 | 1.8 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in St. Charles fell about 25.1%, while median household income rose about 34.9% between 2009 and 2025 — income grew faster than the home price.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | St. Charles | Illinois Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 66.3% | 61.9% | 58.5% |
| Rental Rate | 28.7% | 30.4% | 31.2% |
| Vacancy Rate | 5.0% | 7.7% | 10.2% |
| Median Tenure (years) | 12.0 | 16.0 | 15.0 |
| Median Year Moved In | 2014 | 2010 | 2011 |
St. Charles has a homeownership rate of 66.3%, higher than the Illinois average of 61.9%. Its housing vacancy rate is 5.0%, compared with 7.7% in Illinois.
Housing Stock
| Metric | St. Charles | Illinois Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.49 people | 2.46 people | 2.53 people |
| Median Structure Built Year | 1978 | 1969 | 1978 |
| Median Number of Rooms | 6.5 | 5.6 | 5.5 |
The typical housing unit in St. Charles was built around 1978. On average, 2.5 people live in a home with about 6.5 rooms, staying for about 12.0 years on average.
Frequently Asked Questions
Common questions about the housing market in St. Charles, Illinois.
What is the median home price in St. Charles, Illinois?
The median home price in St. Charles, Illinois is $162,898, higher than the Illinois average of $149,936.
What is the average home price in St. Charles, Illinois?
The typical home price in St. Charles, Illinois, reported as the median sale price, is $162,898. The median is used instead of a mathematical average because it is not skewed by a small number of very expensive or very cheap homes, so it better reflects what a typical buyer pays.
What is the median rent in St. Charles, Illinois?
The median gross rent in St. Charles, Illinois is $1,806 per month, higher than the Illinois average of $1,274.
What was the median gross rent in St. Charles in 2020?
In 2020, the median gross rent in St. Charles, Illinois was $1,376 per month.
What is the price-to-rent ratio in St. Charles, Illinois?
The price-to-rent ratio in St. Charles, Illinois is about 7.5, meaning it would take roughly 7.5 years of rent payments at the median rent to equal the median home price. That is a relatively low price-to-rent ratio, which tends to favor buying over renting in St. Charles.
Are home prices or rent rising faster in St. Charles, Illinois?
Both home prices and rent are rising in St. Charles, up about 9.1% and 6.3% a year respectively. Home prices are changing faster.
What is the homeownership rate in St. Charles, Illinois?
66.3% of households in St. Charles, Illinois own their home, higher than the Illinois average of 61.9%.
What is the vacancy rate in St. Charles, Illinois?
The housing vacancy rate in St. Charles, Illinois is 5.0%, lower than the Illinois average of 7.7%.
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