St. Charles County, Missouri Housing Market
In St. Charles County, Missouri, the median home value is $320,800, with a median monthly rent of $1,370. This places St. Charles County at #530 nationally out of 3134 counties by median home value, and #2 within Missouri.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,211
- Establishments: 11,010
- BLS QCEW, 2025
Housing Supply
- Single-family: 1,270
- Multi-family: 391
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 173,533 (avg $100,842)
- Outflow: 167,159 (avg $101,592)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 10 active ZIP codes in St. Charles County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 63332 | 217.9 | — | 2025 |
| 2 | 63357 | 261.0 | +4.26% | 2025 |
| 3 | 63341 | 268.2 | +15.90% | 2025 |
| 4 | 63368 | 241.6 | +8.73% | 2025 |
| 5 | 63376 | 258.9 | +4.40% | 2025 |
| 6 | 63366 | 247.4 | +4.85% | 2025 |
| 7 | 63301 | 248.6 | +3.96% | 2025 |
| 8 | 63385 | 243.8 | +4.14% | 2025 |
| 9 | 63304 | 260.5 | +4.54% | 2025 |
| 10 | 63303 | 254.7 | +5.43% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How St. Charles County Compares
| Metric | St. Charles County | Missouri Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $320,800 | $175,712 | $227,706 |
| Median Gross Rent | $1,370 | $782 | $968 |
| Owner Occupancy Rate | 80.5% | 73.7% | 73.3% |
| Price/Rent Ratio | 19.5 | 18.8 | 18.7 |
Market Analysis
The median home value in St. Charles County is 82.6% above the Missouri state average and 40.9% above the U.S. national average. The median rent of $1,370/month is 75.2% above the state average.
With a price-to-rent ratio of 19.5, the buy-vs-rent decision in St. Charles County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
St. Charles County has an owner-occupancy rate of 80.5%, compared to 73.7% in Missouri and 73.3% nationally. This indicates a more homeowner-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Knox County | Tennessee | $320,900 | $1,261 |
| Kaufman County | Texas | $320,900 | $1,554 |
| Lincoln County | North Carolina | $321,000 | $1,015 |
| Blount County | Tennessee | $320,500 | $1,090 |
| Kerr County | Texas | $321,200 | $1,109 |
Other Counties in Missouri
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Camden County | $305,400 | $876 | 82.5% |
| Platte County | $345,100 | $1,334 | 67.4% |
| Cass County | $292,400 | $1,205 | 75.6% |
| St. Louis County | $276,800 | $1,209 | 69.2% |
| Clay County | $275,600 | $1,243 | 69.5% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).