30 / 100

St. Charles County, MO

RANK #697 / 1001 NAT  ·  #21 / 22 MO  ·  POP 414,535

1YR FORECAST: +0.0%

5YR OUTLOOK: +26%

Our model projects St. Charles County's housing market at +0.0% over the next year, underperforming most U.S. counties.

[01] Why St. Charles County?

Historic St. Charles, the county seat, offers a distinctive charm with its preserved 19th-century architecture and cobblestone streets along the Missouri River. This city, once Missouri's first state capital and the starting point for the Lewis and Clark Expedition, is about 30 minutes northwest of St. Louis, making it a feasible commute for many. The community provides a blend of suburban living with access to extensive outdoor recreation, including the Katy Trail State Park, a 240-mile rail-trail popular for biking and hiking, and numerous county parks like Klondike Park with river views and camping.

Life in the county appeals to families and professionals, drawn by highly-rated public school districts and a generally high quality of life. Commute options to St. Louis are available via major highways, and local transportation services exist within the City of St. Charles. The economy is experiencing growth, with recent investments in sectors such as data centers, advanced manufacturing, and logistics. This economic activity, coupled with a growing population, contributes to a positive outlook for the area.

MARKET PROFILE

Educated Suburban Growth

St. Charles County is one of 110 U.S. counties in this market profile — weaker than typical on the BoomTown Index. Within this cohort, its recent home-price change of +1.2% runs below the profile's typical +2.4%.

See all 110 Educated Suburban Growth counties →

[02] Market Snapshot

Housing Ratio
13.0x

Overvalued relative to economy

Home Prices
+1.2%

Below national median

Climate & Terrain
0.9

Moderate climate & terrain

Price/Rent
16x

Above national median (15x)

Housing looks overvalued at 13.0x — home prices are high relative to local economic output. The typical U.S. county is 4–6x.

[03] Top Employers

  1. 1
    Amazon Logistics
    5,000+
  2. 2
    General Motors Manufacturing
    2,500+
  3. 3
    MasterCard Finance
  4. 4
    Fort Zumwalt School District Education
  5. 5
    Wentzville School District Education
  6. 6
    Francis Howell School District Education
    1,000+
  7. 7
    Citigroup Finance
  8. 8
    SSM Health Healthcare
  9. 9
    St. Charles County Government Government
  10. 10
    BJC HealthCare and Progress West Hospital Healthcare

Estimated local headcount ranges. Larger employers shown as floor + "+"; smaller employers show exact counts where reported.

[04] Home Value Growth vs National

St. Charles County U.S. National

Bars show trailing 12-month growth. The dashed Forecast bars are the model's next-12-month projection; the whisker marks the ±1% range (cooling–accelerating).

The Numbers

DEMOGRAPHICS
Population
414,535
+1.15% YoY
Median Household Income
$104,692
Median Home Value
$320,800
+1.16% 12mo
Median Rent
$1,370
Average Annual Pay
$62,730
+4.4% YoY
Employment
162,560
0.0% YoY
Income-to-Home-Value
0.3263
More affordable than average
Migration Inflow
3.3%
of pop. from another state
Bachelor's Degree+
42.7%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$385,000
Days on Market
12
Very hot — homes selling fast
Months of Supply
1.7
Seller's market
Sale-to-List Ratio
101.2%
Homes selling above asking
Sold Above List
45.5%
Listings w/ Price Drops
31.7%
Building Permits (2025)
1,661
Single-Family Permits
1,270

Source: Redfin · Census BPS — Browse sales on Redfin →

[05] Crime & Safety

B+
SAFETY
GRADE
Homicide Rate
2.7
per 100K · nat avg 6.3
Firearm Fatalities
11.7
per 100K · nat avg 14.8
Injury Deaths
83.2
per 100K · nat avg 76.3
vs National Average
Well below national avg
based on homicide rate

Source: CDC/NCHS vital statistics via County Health Rankings (2020–2022 avg). Rates per 100,000 population. Grade based on homicide rate relative to national average (~6.3). Learn more →

[06] Capital Investment

$2,179M
TOTAL
PROJECT AMOUNT STATUS
Foristell Data Center Campuses (2 sites)
Undisclosed (firms representing two potential data center users)
$1,000M Proposed
St. Charles Data Center (formerly Project Cumulus)
Google (linked to Spark Innovations, developed by Clayco's CRG)
$1,000M Proposed
Mastercard Solar Farm
Mastercard
$50M Planned
I-70 Improvements (Warrenton to Wentzville, Wentzville Parkway to Route Z)
Missouri Department of Transportation (MoDOT)
$50M Under Construction
New Home Communities Portfolio (multiple developments)
Various (e.g., Houston Homes, McBride Homes, McKelvey Homes, Reisch-Sansone, Vancil Brothers Realty)
$50M Under Construction
St. Charles City Hall/Main Street/Riverpointe District Infrastructure Deal
St. Charles County and City of St. Charles
$29M Under Construction

Source: public records, news, corporate announcements. Amounts are estimates where noted.

[07] Score Breakdown

Population Growth +1.1% 70 percentile
Income Growth +1.7% 26 percentile
Vacancy Rate 0.7% 74 percentile
Home Price Change +1.2% 41 percentile
Rent Growth +2.8% 48 percentile
Price/Rent 16x 39 percentile

Bars show percentile rank among all 1001 counties.

[08] Frequently Asked Questions

Is St. Charles County, MO a good place to move to?

At 30/100, St. Charles County faces headwinds that place it in the lower third of the 1001 counties we track. Median income of $104,692 suggests the local economy is struggling to keep pace with national trends.

Is St. Charles County affordable?

Housing in St. Charles County is roughly in line with national affordability norms. The median home costs $320,800 and the income-to-home-value ratio sits at 0.33, with rents averaging $1,370/month. Not a bargain, but not a stretch for most local earners either.

Is St. Charles County growing or shrinking?

St. Charles County's population is growing — up +1.1% YoY — while the job market is roughly flat (employment change of 0.0%). Home values shifted +1.2% over the past year. In-migration is outpacing local hiring, which often points to remote workers or retirees driving the headcount.

Are people moving to St. Charles County?

There's a moderate stream of newcomers. About 3.3% of residents moved from another state, which is above average and suggests St. Charles County has appeal as a relocation destination — though it's not among the highest-inflow counties nationally.

[09] Similar Counties by Size & Score

Platte County, MO 29 St. Louis County, MO 33 St. Louis city, MO 39 Clay County, MO 41 Cass County, MO 51 Christian County, MO 53 Norfolk city, VA 30 York County, ME 30