Places › Missouri › St. Charles

Living in St. Charles, MO

Suburb in Missouri

St. Charles is a suburb in Missouri, home to about 71,000 people, with 1.8 million living within 31 mi. Day to day, most trips are by car. Life moves at a moderate pace, and homes are a mix of apartments and houses.

Is St. Charles a good place to live? Pros and cons

👍 Pros

  • Strong healthcare: 12 top-rated (4–5★) hospitals within 31 mi
  • Affordable housing: a typical 3-bedroom home is about $327k and rents for $1,570 a month
  • Easy flying: STL is 9 mi away
  • Highly educated: 44% of adults have a bachelor's degree or higher, and 3 research universities are within 31 mi

👎 Cons

  • Fewer outdoor escapes: no big hills or water close by
  • Fewer family amenities than most places
  • Cloudier than most places

Whether it's a good place for you depends on what you value. Take the quiz to see how St. Charles ranks against your own priorities.

Key facts

Population
71,000
1.8 million within 31 mi
Winter / summer highs
43°F / 86°F
Average daily highs · 9″ snow a year
3-bedroom home
$327k
Typical value (Zillow)
3-bedroom rent
$1,570/mo
Incl. utilities (HUD)
Cost of living
95
US average = 100 (BEA)
Taxes
$1,262
State income tax per resident · 1.06% property tax
Safety
No data
Not in FBI 2019 city table
Natural disasters
9 since 2000
Declared in the county · mainly flooding, earthquakes
Top-rated hospitals
12
4–5★ within 31 mi (CMS)
Adults with a degree
44%
3 research universities within 31 mi
Nearest major airport
STL
9 mi away

Living in St. Charles: common questions

What is the cost of living in St. Charles?

A typical 3-bedroom home is worth about $327k, and a 3-bedroom rents for about $1,570 a month including utilities. Overall living costs are below the US average (index 95, where the US is 100).

What are taxes like in St. Charles?

Missouri collects about $1,262 in state income tax per resident, and homeowners here pay about 1.06% of their home's value in property tax each year.

Is St. Charles safe?

St. Charles isn't in the FBI's 2019 city crime table, so Best Life Fit Me counts its safety as average.

What is the weather like in St. Charles?

St. Charles has cool winters: winter days average around 43°F and summer days around 86°F, with roughly 9″ of snow a year.

Does St. Charles get natural disasters?

Natural disaster risk is moderate, mainly from flooding, earthquakes and tornadoes: 9 federally declared disasters have hit the county since 2000, and FEMA expects about 1.25 deaths or injuries per 100,000 residents a year.

What is the nearest major airport to St. Charles?

The nearest major airport is STL, about 9 mi away.

How St. Charles scores

Each bar compares St. Charles with the other 1143 places in Best Life Fit Me. A dot shows where it sits between two ends, such as major metro and small town; neither end is better. Coloured bars run from poor (red) to excellent (green).

🏙️City size Mid-size Major metroSmall town
🏘️Urban or quiet Urban & suburban mix Dense & urbanQuiet / rural
🚶Getting around Mostly car Walk & transitCar essential
🌲Culture or nature Culture & nightlife Culture & nightlifeNature on the doorstep
🌡️Climate Cool winters Warm all yearLong, snowy winters
💰Cost of living Affordable Very expensiveVery affordable
⏱️Pace Moderate pace Very fast-pacedSlow & calm
🤝Community Some community feel AnonymousTight-knit community
🏡Housing Apartments & houses ApartmentsHouses with yards
🏷️Affordable housing Excellent
💸Low taxes Good
💼Job market Average
🏥Healthcare Excellent
🎓Education Excellent
🧸Kids & family Below average
🐕Dog-friendly Average
⛰️Outdoors Poor
🎭Culture Good
🛡️Safety No crime data (counted as average)
🌪️Few natural disasters Good
☀️Sunny Below average
🌤️Mild summers Good
✈️Airport Excellent

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Is St. Charles right for you?

Answer 27 quick questions and see how it ranks against your priorities.

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Sources: US Census ACS 2019–2023, Census State Tax Collections FY2025, Zillow 3-bedroom ZHVI, HUD Fair Market Rents, BEA Regional Price Parities 2024, FBI 2019, FEMA National Risk Index v1.20, OpenFEMA disaster declarations, NOAA Normals 1991–2020, NASA POWER, CMS, NCES IPEDS 2023, IMLS, OpenStreetMap. How scores work.