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St. Charles County, MO

Boone

RANK #772 / 996 NAT  ·  #21 / 22 MO  ·  POP 406,262

1YR FORECAST: +0.3%

5YR OUTLOOK: +17%

Our model projects St. Charles County's housing market at +0.3% 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.

[02] Market Snapshot

Housing Ratio
5.4x

Above national median (4.7x)

GDP Growth
+3.1%

Above national median

Home Prices
+1.0%

Below national median

Climate & Terrain
0.9

Moderate climate & terrain

Price/Rent
14x

Above national median (13x)

Housing is fairly valued at 5.4x 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

The Numbers

DEMOGRAPHICS
Population
406,262
+0.97% YoY
Median Household Income
$99,596
Median Home Value
$278,300
+1.02% 12mo
Median Rent
$1,209
Average Annual Pay
$60,105
+3.6% YoY
Employment
162,611
+1.3% YoY
Income-to-Home-Value
0.3579
More affordable than average
Migration Inflow
3.29%
of pop. from another state
Bachelor's Degree+
42.0%
of residents (national avg: 33%)

Market Activity

REAL ESTATE
Median Sale Price
$350,000
Days on Market
27
Active market
Months of Supply
2.1
Seller's market
Sale-to-List Ratio
99.7%
Near asking price
Sold Above List
29.3%
Listings w/ Price Drops
23.7%
Building Permits (2024)
2,040
Single-Family Permits
1,420

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

GDP Growth +3.1% 59 percentile
Population Growth +1.0% 71 percentile
Income Growth +8.5% 50 percentile
Vacancy Rate 0.6% 91 percentile
Home Price Change +1.0% 46 percentile
Rent Growth +3.0% 49 percentile
Price/Rent 14x 39 percentile

Bars show percentile rank among all 996 counties.

[08] Frequently Asked Questions

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

At 22/100, St. Charles County faces headwinds that place it in the lower third of the 996 counties we track. Median income of $99,596 combined with job growth of +1.3% suggests the local economy is struggling to keep pace with national trends.

Is St. Charles County affordable?

By national standards, St. Charles County is quite affordable. Homes here have a median value of $278,300, and the income-to-home-value ratio of 0.36 is well above the U.S. average — especially with median rent at just $1,209/month. Residents can generally buy a home without being cost-burdened.

Is St. Charles County growing or shrinking?

St. Charles County is growing on multiple fronts. Population is up +1.0% year-over-year while employers added jobs at a +1.3% clip. Home values shifted +1.0% in the past year.

Are people moving to St. Charles County?

There's a moderate stream of newcomers. About 3.29% 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

Boone County, MO 22 Clay County, MO 28 Platte County, MO 15 St. Francois County, MO 30 St. Louis city, MO 32 St. Louis County, MO 34 Hamilton County, IN 22 Morris County, NJ 22