Saint Charles City, MO demographics:
population, income, and more

Total population
31,591
-0.1% year-over-year change
Median household income
$92,223/yr
1.6% year-over-year change
Housing units
14,413
0.6% year-over-year change

Saint Charles population

How many people live in Saint Charles

Saint Charles is home to 31,591 residents, according to the most recent Census data. Gender-wise, 49.7% of Saint Charles locals are male, and 50.3% are female.

Total population
31,591
-0.1% year-over-year change
Gender ratio
Male
49.7%
15,693
Female
50.3%
15,898
Value Percent YoY change
Male 15,693 49.7% 0.3%
Female 15,898 50.3% -0.5%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Saint Charles is 40, with the population distributed as follows: about 14.6% are children under 15, then 12.8% are in the 15 to 24 age group. Adults between 25 and 44 make up 28.3% of the population, while another 25.6% fall into the 45 to 64 bracket. Finally, around 18.8% are 65 or older.

Median age
40
Age breakdown
Under 15
14.6%
15 to 24
12.8%
25 to 44
28.3%
45 to 64
25.6%
Over 65
18.8%
Value Percent YoY change
Under 15 4,601 14.6% -5.3%
15 to 24 4,034 12.8% 7.2%
25 to 44 8,933 28.3% -0.7%
45 to 64 8,072 25.6% -0.6%
Over 65 5,951 18.8% 1.2%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Saint Charles, 93% of the population are US-born citizens, while 3.8% have gained naturalized citizenship. At the same time, 3.2% of residents are non-citizens. As for race, 80.5% of locals are Caucasian, 6.1% are African American and 4.3% have Asian roots. Another 0.2% are Indigenous American, 0.1% are Pacific Islanders, while 2.3% identify as another race. There’s also a share of 6.6% that includes residents with two or more races.

Citizenship
U.S.-born citizens
93%
Non-U.S.-born citizens
3.8%
Non-citizens
3.2%
Value Percent YoY change
U.S.-born citizens 29,393 93% 0.0%
Non-U.S.-born citizens 1,193 3.8% 2.2%
Non-citizens 1,005 3.2% -6.6%
Racial breakdown
White
80.5%
Black or African American
6.1%
American Indian and Alaska Native
0.2%
Asian
4.3%
Native Hawaiian and other Pacific Islander
0.1%
Two or more races
6.6%
Other
2.3%
Value Percent
White 25,421 80.5%
Black or African American 1,920 6.1%
American Indian and Alaska Native 61 0.2%
Asian 1,372 4.3%
Native Hawaiian and other Pacific Islander 25 0.1%
Two or more races 2,068 6.6%
Other 723 2.3%

Households in Saint Charles

A peek inside Saint Charles households

Saint Charles has 13,737 households, with an average of 2 members in each. Of these, 60.1% are families, while the remaining 39.9% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
13,737
0.8% year-over-year change
Average people per household
2
Non-family households
5,478
Family households
8,259
Value Percent YoY change
Non-family households 5,478 39.9% 3.4%
Family households 8,259 60.1% -0.9%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Saint Charles

The housing landscape of Saint Charles

Saint Charles's housing consists of 14,413 units, with 63.6% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 9.1% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 3.3% of the housing landscape.

Housing units
14,413
0.6% year-over-year change
Housing types
Value Percent
1 unit, detached 9,167 63.6%
1 unit, attached 1,306 9.1%
2 units 247 1.7%
3 or 4 units 526 3.6%
5 to 9 units 833 5.8%
10 to 19 units 911 6.3%
20 to 49 units 361 2.5%
50 or more units 567 3.9%
Mobile home 482 3.3%
Boat, RV, van, etc. 14 0.1%
Homes built since 2020
285
79.2% year-over-year change

The age of buildings in Saint Charles

In Saint Charles, the median construction year is 1983. About 3.9% of homes were built before the 1940s, with another 1.2% going up by 1949. Most development happened in the second half of the 20th century. Then, 12.6% of homes were added from 2000 to 2009, 9.6% between 2010 and 2019, and 2% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 561 3.9% 15.4%
Built between 1940 and 1949 169 1.2% -25.9%
Built between 1950 and 1959 978 6.8% 10.3%
Built between 1960 and 1969 1,576 10.9% 2.5%
Built between 1970 and 1979 2,034 14.1% -5.2%
Built between 1980 and 1989 2,955 20.5% 1.3%
Built between 1990 and 1999 2,645 18.4% -3.3%
Built between 2000 and 2009 1,823 12.6% -6.4%
Built between 2010 and 2019 1,387 9.6% 7.8%
Built in 2020 or later 285 2% 79.2%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Saint Charles occupancy rates

Out of the 13,737 occupied housing units in Saint Charles, 73.4% are owner-occupied, while 26.6% are lived in by tenants. Meanwhile, 4.7% of all homes on the local market sit vacant.

Occupied housing units
13,737
0.8% year-over-year change
Occupancy breakdown
Renter occupied
3,655
Owner occupied
10,082
Value Percent YoY
change
Renter occupied 3,655 26.6% 1.5%
Owner occupied 10,082 73.4% 0.5%
Unoccupied housing units
4.7%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Saint Charles housing costs

Housing costs in Saint Charles come to a median of $1,306 per month, while tenants specifically pay a median gross rent of $1,264.

Median housing costs per month
$1,306/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Saint Charles
$1,264/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Saint Charles

Saint Charles education at a glance

About 26.2% of the population in Saint Charles went to high school, while 22.4% pursued college studies. Another 7.6% earned an associate degree and 26.5% hold a bachelor’s. Meanwhile, 15.9% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 346 1.3% 5.2%
High school diploma 6,823 26.2% 4.0%
College diploma 5,840 22.4% 2.8%
Associate degree 1,976 7.6% -3.0%
Bachelor's degree 6,896 26.5% -2.4%
Graduate degree 4,138 15.9% -1.6%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Saint Charles

How much people earn in Saint Charles

The average annual household income in Saint Charles was $113,225 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +1.8% change from the previous year. At the same time, the median income stood at $92,223, reflecting a +1.6% shift over the same period.

Average household income in Saint Charles
$113,225/year
1.8% year-over-year change
Median household income in Saint Charles
$92,223/year
1.6% year-over-year change

Saint Charles income by age

In Saint Charles, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $102,142. Those with someone between 45 and 64 in charge, often well established professionally, earn $112,702 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $57,471, while those led by someone over 65, many of whom may be retired, have about $68,734 in earnings. Overall, 93.9% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $57,471 5.4%
25 - 44 $102,142 1.6%
45 - 64 $112,702 1.9%
Over 65 $68,734 0.7%
Above poverty level
28,373
Below poverty level
1,851
Value Percent YoY
change
Above poverty level 28,373 93.9% -0.6%
Below poverty level 1,851 6.1% 18.4%

Employment in Saint Charles

Workforce and job types in Saint Charles

The job market in Saint Charles is powered by 17,418 working residents, spread across a range of industries and roles. 82% of the working population are employed in professional or administrative positions, while 18% are in hands-on or service-based jobs. Also, 7.1% run their own businesses, 73% are employed by private companies, and 9.7% work in the public sector.

Workforce demographics

Working population
17,418
0.1% year-over-year change
White collar
14,279
Blue collar
3,139
Value Percent YoY change
White collar 14,279 82% -1.5%
Blue collar 3,139 18% 8.1%
Employer type
Self employees
7.1%
Private companies
73%
Governmental workers
9.7%
Not for profit companies
10.2%
Value Percent YoY change
Self employees 1,230 7.1% 5.6%
Private companies 12,720 73% 0.8%
Governmental workers 1,693 9.7% -2.2%
Not for profit companies 1,774 10.2% -5.9%
Unemployment rate
2.6%
18.9% year-over-year change

Available workforce

The unemployment rate in Saint Charles stands at 2.6%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Saint Charles

How people get around in Saint Charles

In Saint Charles, the average commute time is 10 minutes. Commuting methods vary: 98.3% of residents travel by personal vehicle and 1.3% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
10 min
Means of transportation
Value Percent YoY change
Car 13,747 98.3% -2.2%
Taxicab 5 0% 0.0%
Bus or trolleybus 12 0.1% 33.3%
Motorcycle 25 0.2% 31.6%
Bicycle 12 0.1% 0.0%
Walk 188 1.3% 3.3%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Saint Charles by zipcode?

Zipcode Population Number of households Median income Average income
63301 52,667 21,462 $85,308 $104,801
63303 46,089 20,690 $99,138 $130,699

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FAQs about Saint Charles demographics 

What is the total population of Saint Charles?

Saint Charles has a total population of 31,591 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by -0.1% compared to a year ago.

What is the gender ratio in Saint Charles?

The gender ratio in Saint Charles is as follows:
  • 49.7% males (15,693 residents)
  • 50.3% females (15,898 residents)

What is the median age in Saint Charles?

The median age in Saint Charles is 40.

What is the age distribution of the population in Saint Charles?

The age distribution in Saint Charles is as follows:
  • Under 15: 14.6% (4,601 residents)
  • Ages 15-24: 12.8% (4,034 residents)
  • Ages 25-44: 28.3% (8,933 residents)
  • Ages 45-64: 25.6% (8,072 residents)
  • Over 65: 18.8% (5,951 residents)

What is the racial and ethnic makeup of Saint Charles?

The racial and ethnic makeup of Saint Charles is as follows:
  • White: 80.5% (25,421 residents)
  • Black or African American: 6.1% (1,920 residents)
  • American Indian and Alaska Native: 0.2% (61 residents)
  • Asian: 4.3% (1,372 residents)
  • Native Hawaiian and Other Pacific Islander: 0.1% (25 residents)
  • Two or More Races: 6.6% (2,068 residents)
  • Other: 2.3% (723 residents)

What percentage of the population in Saint Charles are U.S.-born citizens?

U.S.-born citizens represent 93% of the population in Saint Charles.

How many housing units are there in Saint Charles?

There are 14,413 housing units in Saint Charles, reflecting a +0.6% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Saint Charles and what is the average household size?

Saint Charles has a total of 13,737 households, with an average of 2 people in each.

What is the median household income in Saint Charles?

Saint Charles has a median household income of $92,223, representing a +1.6% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Saint Charles?

The employment rate is 97.4% in Saint Charles, with a workforce of 17,418 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 82% (14,279 residents)
  • Blue-collar workers: 18% (3,139 residents)

Places of employment:
  • Self-employed: 7.1% (1,230 residents)
  • Private companies: 73% (12,720 residents)
  • Governmental workers: 9.7% (1,693 residents)
  • Not-for-profit companies: 10.2% (1,774 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025