Cost of Living in St. Charles, MN
Population 4,021 · Minnesota · Data vintage 2023
(100 = US avg)
St. Charles sits on the smaller end of the Minnesota city distribution. That scale shapes the housing market, the labor pool, and the services available to residents in ways the data below makes visible. The labor market has been unusually tight, with unemployment around 2.1% — below most comparable cities in the state.
Located 20 miles east of Rochester, St. Charles falls within that metro's commuting orbit. Median home values run roughly 20% lower than Rochester's $288,000.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in St. Charles
The median home value in St. Charles is $231,300 — 24% below the national median of $305,000. Median rent runs $941/month, 28% lower than the national median of $1,314/month. The median household income of $96,544/year is 29% higher than the US median of $74,580. The local unemployment rate is 2.1%, below the national average of 4.8%. Minnesota's top state income tax rate is 9.8% and the combined sales tax is 7.4%. Overall, St. Charles has a cost of living index of 74 versus the US average of 100, meaning it is 26% less expensive.
St. Charles has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
💨 Air Quality
EPA AQS 2023 — county-level monitoring data
Frequently Asked Questions
What is the cost of living in St. Charles, MN?
St. Charles has a cost index of 74 (100 = national average). It is 26% below the national average.
What is average rent in St. Charles, MN?
The median gross rent in St. Charles is $941 per month based on 2023 Census data.
What is the average home price in St. Charles?
The median home value in St. Charles is $231,300 according to 2023 Census ACS data.
What is the median income in St. Charles?
The median household income in St. Charles is $96,544 per year (2023 ACS 5-year estimates).
What is the sales tax in St. Charles, MN?
The combined state and local sales tax rate in St. Charles is 7.4%. The Minnesota state income tax top rate is 9.8%.
Is St. Charles, MN affordable?
Yes, St. Charles is generally considered affordable, with a cost of living index of 74 — about 26% below the US national average of 100.
St. Charles at a Glance
- Population
- 4,021
- Median Income
- $96,544
- Home Value
- $231,300
- Median Rent
- $941/mo
- Unemployment
- 2.1%
- Sales Tax
- 7.4%
Nearby Cities
Explore county-level cost of living data
Minnesota Rankings
Similar Cost Cities
Cities in other states with comparable housing costs