Everything You Should Know Before Moving to Saint Charles, MO
Thinking of moving to Saint Charles, MO? With a friendly population of 71,028, the city offers affordable living—median home prices are around $277,000 and average rents are $1,180. Enjoy short commute times averaging 22 minutes, solid schools, and access to excellent healthcare. Saint Charles boasts 56% sunny days a year and a reasonable cost of living, while crime rates remain well below national averages. With historic charm, community events, and nearby colleges, Saint Charles is a welcoming place for families and professionals alike.
Demographics - Saint Charles, MO
Demographics - Saint Charles, MO
Saint Charles is home to about 71,000 residents, featuring a predominantly White population with a median age of 38.1 years and a balanced gender ratio. The city has a population density of 2,900 people per square mile, and roughly 8% of residents speak a language other than English at home. This diverse yet close-knit community offers a welcoming environment for newcomers.
Population:
71,028
Density:
2,900 per sq mi
Median Age:
38.1
Gender Ratio:
94 males per 100 females
Non-English Speakers Percentage:
8.1%

Ethnic Composition
White:
84.5%
Black:
6.3%
Asian:
2.2%
Others:
7.0%
Cost Of Living
What is the average cost of living in Saint Charles, MO?
Living in Saint Charles is reasonably affordable, with a median home value around $277,000 and average rents at $1,180. The cost of living index sits below the national average, making it attractive for both renters and homeowners. Utilities and transportation costs are moderate, contributing to the city’s overall affordability.
Median House Value:
$277,000
Gross Rent:
$1,180
Monthly Electricity Charges:
$130
Auto Insurance:
$1,450
House Owner Cost With Mortgage:
$1,550
House Owner Cost Without Mortgage:
$520
State Taxes:
Low:
1.5%
|
High:
5.4%
Cost Of Living Index:
94.6
Grocery:
96.1
Housing:
87.0
Utilities:
98.5
Transportation:
92.0
Health Care:
94.5
Miscellaneous:
93.8
Crime
Is Saint Charles, MO a safe place to live?
Saint Charles maintains a lower-than-average crime rate, with violent crime at just 168 incidents per 100,000 residents and property crime at 2,040 per 100,000. Residents have a 1 in 595 chance of experiencing violent crime, helping to ensure a safe environment for families and individuals. The city’s overall crime index reflects a secure community compared to national figures.
Violent Crimes Per 100k:
168
Property Crimes Per 100k:
2,040
Crime Index:
2,208
Chance Of Violent Crime:
1 in 595
Chance Of Property Crime:
1 in 49
Weather
What is the weather like in Saint Charles, MO year-round?
Saint Charles experiences four distinct seasons, with warm summers reaching highs of 89°F and chilly winters dropping to 21°F. Annual rainfall averages about 40 inches, and the city enjoys sunshine on 56% of days. This climate supports a variety of outdoor activities year-round.

Winter
Min:
21°F
Max:
41°F

Spring
Min:
46°F
Max:
70°F

Summer
Min:
66°F
Max:
89°F

Fall
Min:
47°F
Max:
70°F
Average Rainfall Inches:
40.4 inches
Sunny Days Percentage:
56%
Neighbors
The typical household in Saint Charles earns around $74,500 annually, while the poverty rate remains under 8%. More than 94% of adults have completed high school, and commute times average just over 22 minutes. Residents benefit from a strong sense of community and a stable local economy.
Median Income:
$39,200
Household Income:
$74,500
Family Income:
$93,000
Per Capita Income:
$39,200
Income Male:
$52,300
Income Female:
$44,800
Poverty Rate:
7.9%
Non English Speakers:
8.1%
Rent:
$1,180
Unemployment Rate:
3.5%
Public Transport Usage:
0.7%
Commute Time:
22.4 minutes

Education
High School or Higher:
94.5%
Bachelors or More:
34.3%
Education
How are the schools in Saint Charles, MO?
Saint Charles boasts a solid educational infrastructure, including public schools with favorable student-teacher ratios and private school options. The city is also home to Lindenwood University and within easy reach of St. Charles Community College, offering higher education opportunities close to home. Families benefit from a strong commitment to academic achievement.

Public Schools
Name:
St. Charles High School
Street:
725 N Kingshighway St
Phone:
636-443-4100
Students:
870
Student Teacher Ratio:
14.4
Name:
Monroe Elementary School
Street:
2670 Zumbehl Rd
Phone:
636-443-4900
Students:
520
Student Teacher Ratio:
15.1

Private Schools
Name:
St. Charles Borromeo School
Street:
431 Decatur St
Phone:
636-946-2713
Students:
260

Colleges
Name:
Lindenwood University
City:
Saint Charles
State:
MO
Distance:
0 miles
Students:
7,000
Name:
St. Charles Community College
City:
Cottleville
State:
MO
Distance:
7 miles
Students:
10,000
Healthcare
Saint Charles offers quality healthcare, featuring major hospitals like SSM Health St. Joseph and Barnes-Jewish St. Peters Hospital, both providing emergency services. With 2.2 physicians per 1,000 residents and over 91% of people insured, residents have reliable access to medical care. The healthcare index indicates above-average quality and coverage for the region.

Major Hospitals
Name:
SSM Health St. Joseph Hospital - St. Charles
Address:
300 1st Capitol Dr, St Charles, MO 63301
Phone:
(636) 947-5000
Type:
General & Surgical
Emergency Services:
Yes
Name:
Barnes-Jewish St. Peters Hospital
Address:
10 Hospital Dr, St Peters, MO 63376
Phone:
(636) 916-9000
Type:
General & Surgical
Emergency Services:
Yes
Physicians Per 1000:
2.2
Health Insurance Coverage:
91.7%
Health Care Index:
78.1
Housing Market
What is the housing market like in Saint Charles, MO?
The local housing market is stable, with a median home price of $277,000 and about 64% of homes owner-occupied. Rental vacancy rates are low at 4.9%, and home values saw a 4% appreciation over the past year. These trends make Saint Charles appealing for both buyers and renters.
Median Home Price:
$277,000
Average Rent For 2 Bedroom:
$1,180
Owner Occupied Rate:
63.8%
Rental Vacancy Rate:
4.9%
Home Appreciation Rate (1yr):
4.0%
New Construction Rate:
2.1%
Foreclosure Rate:
0.7%
DMV Information
Vehicle and driver services in Saint Charles are managed by the Missouri Department of Revenue, with resources available both online and at the Jefferson City office. Residents can access licensing and registration information conveniently. The process is straightforward for new arrivals and locals alike.
State:
Missouri
Department:
Missouri Department of Revenue – Motor Vehicle and Driver Licensing
Address:
301 W. High Street, Jefferson City, MO 65101
Phone:
573-526-3669
Website:
Disclaimer: The information provided on this page is based on publicly available sources including AccuWeather, U.S. Census Bureau, local government data, and third-party partners such as Neustar. While we strive to ensure accuracy, all data is provided “as is” and should be independently verified before making any decisions. Movers.com makes no guarantees regarding the completeness or reliability of the information.