St. Charles, Missouri Housing Market Prices
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 134% above the Missouri median$340,034
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Median rent 20% above the Missouri median$1,236
Housing Market Overview
| Metric | St. Charles | Missouri Avg | US Average |
|---|---|---|---|
| Median Home Price | $340,034 | $145,462 | $248,835 |
| Price Trend (Annual %) | 19.2% | 5.2% | 7.5% |
| Median Gross Rent | $1,236 | $1,033 | $1,407 |
| Rent Trend (Annual %) | 4.3% | 4.0% | 5.1% |
| Household Income Trend (Annual %) | — | — | — |
The median home price in St. Charles is about 134% higher than in Missouri. Rent is about 20% higher than the Missouri 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 19.2% and 4.3% a year respectively. Home prices are changing faster.
Median rent in St. Charles rose about 44.5% between 2015 and 2024, from $856 to $1,236. Over the same span, rent in Missouri rose about 38.6%.
Affordability
On average, housing unit costs 4.0 yearly household incomes in St. Charles.
Buying the median-priced home in St. Charles costs roughly 22.9 years of rent at the median monthly rate. That is a relatively high price-to-rent ratio, which tends to favor renting over buying in St. Charles. The price-to-rent ratio in Missouri is about 11.7.
| Metric | St. Charles | Missouri Avg | US Average |
|---|---|---|---|
| Median Home Price | $340,034 | $145,462 | $248,835 |
| Median Household Income | $84,562 | $70,801 | $80,455 |
| Price-to-Income Ratio | 4.0 | 2.1 | 3.1 |
Home Prices vs Income Over Time
Between 2015 and 2024, the median home price in St. Charles rose about 279.4%, while median household income rose about 45.4% between 2009 and 2025 — the home price grew faster than income.
Income Growth vs Housing Cost Growth (Year-over-Year %)
Compare income and housing cost trends.
Occupancy & Tenure
| Metric | St. Charles | Missouri Avg | US Average |
|---|---|---|---|
| Homeownership Rate | 63.9% | 60.5% | 58.5% |
| Rental Rate | 29.9% | 28.3% | 31.2% |
| Vacancy Rate | 6.2% | 11.2% | 10.2% |
| Median Tenure (years) | 13.0 | 15.0 | 15.0 |
| Median Year Moved In | 2013 | 2011 | 2011 |
St. Charles has a homeownership rate of 63.9%, higher than the Missouri average of 60.5%. Its housing vacancy rate is 6.2%, compared with 11.2% in Missouri.
Housing Stock
| Metric | St. Charles | Missouri Avg | US Average |
|---|---|---|---|
| Average Household Size | 2.17 people | 2.40 people | 2.53 people |
| Median Structure Built Year | 1982 | 1978 | 1978 |
| Median Number of Rooms | 5.4 | 5.7 | 5.5 |
The typical housing unit in St. Charles was built around 1982. On average, 2.2 people live in a home with about 5.4 rooms, staying for about 13.0 years on average.
St. Charles, MO Housing Compared With Nearby Cities
How St. Charles, MO compares with the 2 cities closest to it.
| Area | Population | Median home price | Median rent | Homeownership |
|---|---|---|---|---|
| St. Charles, MO | 68,558 | $340,034 #1/3 | $1,236 #2/3 | 68.1% #1/3 |
| Maryland Heights, MO | 34,682 | $230,180 | $1,277 | 62.4% |
| Hazelwood, MO | 25,888 | $98,662 | $1,092 | 59.5% |
Frequently Asked Questions
Common questions about the housing market in St. Charles, Missouri.
What is the median home price in St. Charles, Missouri?
The median home price in St. Charles, Missouri is $340,034, higher than the Missouri average of $145,462.
What is the average home price in St. Charles, Missouri?
The typical home price in St. Charles, Missouri, reported as the median sale price, is $340,034. 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, Missouri?
The median gross rent in St. Charles, Missouri is $1,236 per month, higher than the Missouri average of $1,033.
What was the median gross rent in St. Charles in 2020?
In 2020, the median gross rent in St. Charles, Missouri was $985 per month.
What is the price-to-rent ratio in St. Charles, Missouri?
The price-to-rent ratio in St. Charles, Missouri is about 22.9, meaning it would take roughly 22.9 years of rent payments at the median rent to equal the median home price. That is a relatively high price-to-rent ratio, which tends to favor renting over buying in St. Charles.
Are home prices or rent rising faster in St. Charles, Missouri?
Both home prices and rent are rising in St. Charles, up about 19.2% and 4.3% a year respectively. Home prices are changing faster.
What is the homeownership rate in St. Charles, Missouri?
63.9% of households in St. Charles, Missouri own their home, higher than the Missouri average of 60.5%.
What is the vacancy rate in St. Charles, Missouri?
The housing vacancy rate in St. Charles, Missouri is 6.2%, lower than the Missouri average of 11.2%.
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