Cost of Living in St. Charles, MO
Population 71,048 · Missouri · Data vintage 2023
(100 = US avg)
St. Charles lands reasonably close to national benchmarks on most cost indicators, with a median home value of $281,000 — 8% below the US figure. That makes it a useful reference point for comparing with more extreme markets in Missouri. The labor market has been unusually tight, with unemployment around 2.3% — below most comparable cities in the state.
Located 20 miles northwest of St. Louis, St. Charles falls within that metro's commuting orbit. Median home values run roughly 52% higher than St. Louis' $185,000.
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 $280,800 — 8% below the national median of $305,000. Median rent runs $1,186/month, 10% lower than the national median of $1,314/month. The median household income of $85,522/year is 15% higher than the US median of $74,580. The local unemployment rate is 2.3%, below the national average of 4.8%. Missouri's top state income tax rate is 5.0% and the combined sales tax is 8.4%. Overall, St. Charles has a cost of living index of 91 versus the US average of 100, meaning it is 9% less expensive.
🏠 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
Frequently Asked Questions
What is the cost of living in St. Charles, MO?
St. Charles has a cost index of 91 (100 = national average). It is 9% below the national average.
What is average rent in St. Charles, MO?
The median gross rent in St. Charles is $1,186 per month based on 2023 Census data.
What is the average home price in St. Charles?
The median home value in St. Charles is $280,800 according to 2023 Census ACS data.
What is the median income in St. Charles?
The median household income in St. Charles is $85,522 per year (2023 ACS 5-year estimates).
What is the sales tax in St. Charles, MO?
The combined state and local sales tax rate in St. Charles is 8.4%. The Missouri state income tax top rate is 5.0%.
Is St. Charles, MO affordable?
St. Charles is near the national average in terms of cost of living, with an index of 91 (100 = US average).
St. Charles at a Glance
- Population
- 71,048
- Median Income
- $85,522
- Home Value
- $280,800
- Median Rent
- $1,186/mo
- Unemployment
- 2.3%
- Sales Tax
- 8.4%
Nearby Cities
Explore county-level cost of living data
Missouri Rankings
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