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

Total population
416,435
1.1% year-over-year change
Median household income
$112,199/yr
0.3% year-over-year change
Housing units
168,081
1.5% year-over-year change

Saint Charles County population

How many people live in Saint Charles County

Saint Charles County is home to 416,435 residents, according to the most recent Census data. Gender-wise, 49.5% of Saint Charles County locals are male, and 50.5% are female.

Total population
416,435
1.1% year-over-year change
Gender ratio
Male
49.5%
206,097
Female
50.5%
210,338
Value Percent YoY change
Male 206,097 49.5% 1.1%
Female 210,338 50.5% 1.1%
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 County is 41, with the population distributed as follows: about 18.3% are children under 15, then 12.3% are in the 15 to 24 age group. Adults between 25 and 44 make up 26.5% of the population, while another 25.9% fall into the 45 to 64 bracket. Finally, around 17% are 65 or older.

Median age
40.7
Age breakdown
Under 15
18.3%
15 to 24
12.3%
25 to 44
26.5%
45 to 64
25.9%
Over 65
17%
Value Percent YoY change
Under 15 76,134 18.3% -0.5%
15 to 24 51,277 12.3% 1.2%
25 to 44 110,477 26.5% 1.5%
45 to 64 107,692 25.9% -0.2%
Over 65 70,855 17% 4.3%
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 County, 94.6% of the population are US-born citizens, while 3.3% have gained naturalized citizenship. At the same time, 2.1% of residents are non-citizens. As for race, 84.1% of locals are Caucasian, 5.1% are African American and 3% have Asian roots. There’s also a share of 6.4% that includes residents with two or more races.

Citizenship
U.S.-born citizens
94.6%
Non-U.S.-born citizens
3.3%
Non-citizens
2.1%
Value Percent YoY change
U.S.-born citizens 393,931 94.6% 0.9%
Non-U.S.-born citizens 13,698 3.3% 2.9%
Non-citizens 8,806 2.1% 10.8%
Racial breakdown
White
84.1%
Black or African American
5.1%
American Indian and Alaska Native
0.1%
Asian
3%
Native Hawaiian and other Pacific Islander
0%
Two or more races
6.4%
Other
1.2%
Value Percent
White 350,227 84.1%
Black or African American 21,335 5.1%
American Indian and Alaska Native 333 0.1%
Asian 12,632 3%
Native Hawaiian and other Pacific Islander 187 0%
Two or more races 26,540 6.4%
Other 5,181 1.2%

Households in Saint Charles County

A peek inside Saint Charles County households

Saint Charles County has 162,079 households, with an average of 3 members in each. Of these, 69.5% are families, while the remaining 30.5% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
162,079
1.6% year-over-year change
Average people per household
3
Non-family households
49,424
Family households
112,655
Value Percent YoY change
Non-family households 49,424 30.5% 3.8%
Family households 112,655 69.5% 0.7%
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 County

The housing landscape of Saint Charles County

Saint Charles County's housing consists of 168,081 units, with 74.8% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 7.5% 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 2.5% of the housing landscape.

Housing units
168,081
1.5% year-over-year change
Housing types
Value Percent
1 unit, detached 125,739 74.8%
1 unit, attached 12,560 7.5%
2 units 1,480 0.9%
3 or 4 units 5,203 3.1%
5 to 9 units 5,273 3.1%
10 to 19 units 6,174 3.7%
20 to 49 units 3,547 2.1%
50 or more units 3,793 2.3%
Mobile home 4,247 2.5%
Boat, RV, van, etc. 65 0%
Homes built since 2020
5,496
60.2% year-over-year change

The age of buildings in Saint Charles County

In Saint Charles County, the median construction year is 1991. About 2.2% of homes were built before the 1940s, with another 0.8% going up by 1949. Most development happened in the second half of the 20th century. Then, 21.3% of homes were added from 2000 to 2009, 14.5% between 2010 and 2019, and 3.3% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built in 1939 or earlier 3,646 2.2% 10.1%
Built between 1940 and 1949 1,373 0.8% -8.9%
Built between 1950 and 1959 6,347 3.8% 4.2%
Built between 1960 and 1969 10,355 6.2% 1.1%
Built between 1970 and 1979 19,731 11.7% -1.8%
Built between 1980 and 1989 28,449 16.9% 1.1%
Built between 1990 and 1999 32,577 19.4% -1.8%
Built between 2000 and 2009 35,808 21.3% -1.8%
Built between 2010 and 2019 24,299 14.5% 5.3%
Built in 2020 or later 5,496 3.3% 60.2%
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 County occupancy rates

Out of the 162,079 occupied housing units in Saint Charles County, 80.6% are owner-occupied, while 19.4% are lived in by tenants. Meanwhile, 3.6% of all homes on the local market sit vacant.

Occupied housing units
162,079
1.6% year-over-year change
Occupancy breakdown
Renter occupied
31,433
Owner occupied
130,646
Value Percent YoY
change
Renter occupied 31,433 19.4% 2.5%
Owner occupied 130,646 80.6% 1.4%
Unoccupied housing units
3.6%
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 County housing costs

Housing costs in Saint Charles County come to a median of $1,561 per month, while tenants specifically pay a median gross rent of $1,362.

Median housing costs per month
$1,561/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 County
$1,362/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 County

Saint Charles County education at a glance

About 27.4% of the population in Saint Charles County went to high school, while 22.7% pursued college studies. Another 8.9% earned an associate degree and 25.5% hold a bachelor’s. Meanwhile, 14.3% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 4,277 1.3% -1.1%
High school diploma 88,283 27.4% 2.0%
College diploma 73,246 22.7% -0.7%
Associate degree 28,697 8.9% 1.8%
Bachelor's degree 82,204 25.5% 2.2%
Graduate degree 46,127 14.3% 3.0%
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 County

How much people earn in Saint Charles County

The average annual household income in Saint Charles County was $139,403 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a +3.6% change from the previous year. At the same time, the median income stood at $112,199, reflecting a +0.3% shift over the same period.

Average household income in Saint Charles County
$139,403/year
3.6% year-over-year change
Median household income in Saint Charles County
$112,199/year
0.3% year-over-year change

Saint Charles County income by age

In Saint Charles County, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $127,574. Those with someone between 45 and 64 in charge, often well established professionally, earn $139,972 overall. Younger households, where the main provider is under 25 and just starting out, report a median income of $64,791, while those led by someone over 65, many of whom may be retired, have about $67,308 in earnings. Overall, 94.8% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
Under 25 $64,791 -3.9%
25 - 44 $127,574 7.0%
45 - 64 $139,972 11.3%
Over 65 $67,308 3.7%
Above poverty level
384,305
Below poverty level
21,078
Value Percent YoY
change
Above poverty level 384,305 94.8% 0.8%
Below poverty level 21,078 5.2% 12.3%

Employment in Saint Charles County

Workforce and job types in Saint Charles County

81.9% of the working population are employed in professional or administrative positions, while 18.1% are in hands-on or service-based jobs. Also, 7.7% run their own businesses, 73% are employed by private companies, and 10.1% work in the public sector.

Workforce demographics

White collar
184,341
Blue collar
40,705
Value Percent YoY change
White collar 184,341 81.9% 1.2%
Blue collar 40,705 18.1% 3.2%
Employer type
Self employees
7.7%
Private companies
73%
Governmental workers
10.1%
Not for profit companies
9.2%
Value Percent YoY change
Self employees 17,233 7.7% 5.6%
Private companies 164,314 73% 1.3%
Governmental workers 22,804 10.1% 1.1%
Not for profit companies 20,695 9.2% 0.8%

Transportation in Saint Charles County

How people get around in Saint Charles County

In Saint Charles County, the average commute time is 72 minutes. Commuting methods vary: 98.7% of residents travel by personal vehicle and 1% prefer to walk, while the remaining share relies on public transit or on two wheelers to get from A to B.

Commute time
72 min
44.0% year-over-year change
Means of transportation
Value Percent YoY change
Car 177,108 98.7% -1.3%
Taxicab 82 0% 90.7%
Bus or trolleybus 76 0% 26.7%
Railroad 20 0% 11.1%
Ferryboat 1 0% 0.0%
Motorcycle 276 0.2% 2.6%
Bicycle 112 0.1% 86.7%
Walk 1,834 1% 18.7%
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 County 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
63304 43,195 16,284 $114,442 $157,735
63332 1,651 616 $146,146 $142,633
63341 3,515 1,324 $170,598 $240,421
63348 10,394 3,781 $115,661 $138,034
63366 54,769 20,967 $100,621 $116,910
63367 29,725 11,125 $137,648 $158,577
63368 46,966 17,271 $124,297 $140,983
63373 690 260 $88,750 $128,403

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FAQs about Saint Charles County demographics 

What is the total population of Saint Charles County?

Saint Charles County has a total population of 416,435 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 +1.1% compared to a year ago.

What is the gender ratio in Saint Charles County?

The gender ratio in Saint Charles County is as follows:
  • 49.5% males (206,097 residents)
  • 50.5% females (210,338 residents)

What is the median age in Saint Charles County?

The median age in Saint Charles County is 40.7.

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

The age distribution in Saint Charles County is as follows:
  • Under 15: 18.3% (76,134 residents)
  • Ages 15-24: 12.3% (51,277 residents)
  • Ages 25-44: 26.5% (110,477 residents)
  • Ages 45-64: 25.9% (107,692 residents)
  • Over 65: 17% (70,855 residents)

What is the racial and ethnic makeup of Saint Charles County?

The racial and ethnic makeup of Saint Charles County is as follows:
  • White: 84.1% (350,227 residents)
  • Black or African American: 5.1% (21,335 residents)
  • American Indian and Alaska Native: 0.1% (333 residents)
  • Asian: 3% (12,632 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (187 residents)
  • Two or More Races: 6.4% (26,540 residents)
  • Other: 1.2% (5,181 residents)

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

U.S.-born citizens represent 94.6% of the population in Saint Charles County.

How many housing units are there in Saint Charles County?

There are 168,081 housing units in Saint Charles County, reflecting a +1.5% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

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

Saint Charles County has a total of 162,079 households, with an average of 3 people in each.

What is the median household income in Saint Charles County?

Saint Charles County has a median household income of $112,199, representing a +0.3% shift from the previous year, according to the U.S. Census Bureau.

What is the job market overview for Saint Charles County?

Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 81.9% (184,341 residents)
  • Blue-collar workers: 18.1% (40,705 residents)

Places of employment:
  • Self-employed: 7.7% (17,233 residents)
  • Private companies: 73% (164,314 residents)
  • Governmental workers: 10.1% (22,804 residents)
  • Not-for-profit companies: 9.2% (20,695 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