Reasons to Move to St. Charles, Missouri

St. Charles, Missouri, offers a unique blend of historic charm and modern convenience that few places can match. Located just 20 minutes from downtown St. Louis, this city strikes a perfect balance between suburban tranquility and easy access to urban amenities. Known for its well-preserved Main Street District, St. Charles draws both history buffs and modern families, offering a walkable downtown with boutique shops, local eateries, and the scenic Katy Trail right at its doorstep. It’s a city that prides itself on its roots, yet continually evolves to meet the needs of its growing population, whether that’s through new residential developments, top-tier schools, or a variety of recreational options.

What makes St. Charles stand out is how seamlessly it blends its historic past with contemporary living. Families can take advantage of highly rated schools, excellent parks, and a strong sense of community, all while being able to enjoy the cultural offerings and job opportunities of nearby St. Louis. The city’s proximity to the Missouri River adds an extra layer of appeal, with parks and walking trails offering stunning views. With affordable housing options, an active local economy, and a welcoming atmosphere, St. Charles might just be the place where you and your family can put down roots while enjoying a high quality of life. If you’re considering a move, you’ll quickly discover that St. Charles has a lot more to offer than meets the eye.

Cost to Move to St. Charles, Missouri

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Cost of living in St. Charles, Missouri

Housing Costs

The median home price in St. Charles, Missouri, as of 2023, is approximately $270,000, which is below the national average. According to data from Zillow, home prices have seen a steady increase over the past year, up by 4.3%. Renters can expect to pay around $1,200 for a two-bedroom apartment in the city, with variations based on location and amenities. The affordability of housing in St. Charles is one of the major draws for families and individuals looking to move to the area, especially when compared to other suburban areas in the St. Louis metropolitan region.

Utilities

In St. Charles, monthly utility bills (electricity, heating, cooling, water, and garbage) typically average $150 to $250 for a standard 915 square foot apartment, depending on usage and the size of the home. According to Numbeo, utility costs are on par with national averages. The cost of electricity averages around $130 per month for a 915-square-foot apartment, with natural gas prices averaging $60–$90 per month. These costs can fluctuate with seasonal temperature changes and the size of the home.

Groceries/Food

The cost of groceries in St. Charles is slightly below the national average. A typical monthly grocery bill for a single person ranges from $250 to $350, depending on dietary preferences and shopping habits. For a family of four, this can range from $650 to $900 per month. According to Numbeo, some common grocery prices in St. Charles are as follows: a gallon of milk is around $3.60, a loaf of bread costs about $2.50, and a dozen eggs averages $2.50. Eating out is also affordable, with an average cost of $15 to $25 per person for a mid-range restaurant meal.

Transportation

St. Charles is a car-dependent city, and transportation costs are a significant part of living expenses. Gas prices in the area typically range from $3.30 to $3.50 per gallon as of late 2023. The cost of owning a car (including insurance, maintenance, and fuel) averages around $400 to $600 per month, depending on the type of vehicle and how much it’s driven. For those using public transportation, a one-way ticket on the MetroBus, which connects St. Charles to St. Louis, costs $2.00, and a monthly pass is around $70. According to Numbeo, transportation costs in St. Charles are slightly lower than in major metropolitan areas like St. Louis.

Healthcare

Healthcare costs in St. Charles are relatively in line with national averages. For an individual, the cost of a doctor’s visit typically ranges from $100 to $150 without insurance, while a dentist visit might cost between $75 and $125. According to Healthcare.gov, the average annual premium for a health insurance plan in Missouri is around $6,000 for an individual, with an average deductible of $4,000. Prescription medications are also typically affordable, with the average cost of a common medication like Lipitor being around $10 to $15 with insurance. However, these prices can vary based on the specific health insurance plan.

Childcare and Education

Childcare costs in St. Charles can be significant for families with young children. The average cost for daycare for an infant in the area is approximately $1,000 per month. For older children, the cost decreases slightly, averaging $800 to $900 per month. According to Care.com, this cost varies depending on the provider and the number of hours required. As for education, St. Charles is served by the highly-rated Francis Howell School District, where public schooling is free. However, private school tuition can range from $7,000 to $10,000 per year. For college, the average in-state tuition at the University of Missouri-St. Louis is around $10,000 annually for undergraduate students.

Taxes

The property tax rate in St. Charles is 1.23% as of 2023, which is slightly below the Missouri state average of 1.36%. This means homeowners will pay approximately $1,230 in property taxes for a home valued at $100,000. Sales tax in St. Charles is 8.725%, which is comprised of state, county, and city taxes. According to the Missouri Economic Research and Information Center, this rate is competitive compared to other Missouri cities. Income tax in Missouri ranges from 1.5% to 5.4%, with St. Charles residents subject to the state’s tax rates, as there is no additional local income tax.

Insurance

Homeowners insurance in St. Charles typically costs between $900 and $1,200 per year, depending on the coverage and value of the home. Auto insurance rates average about $1,100 annually for full coverage, according to data from ValuePenguin. The cost of health insurance varies based on individual circumstances, but for a family of four, the average monthly premium is about $1,200. Life insurance premiums in St. Charles are also in line with national averages, with term life insurance costing around $500 to $700 annually for a healthy non-smoker.

Recreation and Entertainment

Recreation and entertainment options in St. Charles are abundant and affordable. A movie ticket typically costs $12 to $15, and a fitness club membership averages around $30 to $50 per month. St. Charles offers a variety of parks, trails, and outdoor activities with no entry fee, including those along the Katy Trail and near the Missouri River. According to Numbeo, dining out in St. Charles is also reasonable, with an average cost of $10 to $15 per person at a casual restaurant. For those who enjoy more cultural activities, tickets to museums or theaters in the nearby St. Louis area can range from $10 to $50, depending on the event.

Clothing

Clothing costs in St. Charles are similar to the national average. A pair of jeans from a mid-range retailer typically costs between $40 and $70, while a pair of running shoes averages $50 to $100. For those shopping for children’s clothing, expect to pay around $20 to $30 for a t-shirt or $40 to $60 for a pair of pants. According to Numbeo, clothing prices are slightly lower than in larger cities, making it more affordable to keep up with seasonal fashion trends.

Personal Care

Personal care costs in St. Charles are relatively modest. A basic haircut for an adult generally costs around $20 to $30, while a more elaborate salon experience can range from $50 to $100. A standard hygiene product like shampoo or deodorant typically costs between $3 and $5. Monthly personal care items like toiletries and cosmetics can total anywhere from $30 to $60 depending on brand and usage. The cost of gym memberships for personal fitness services averages around $25 to $50 per month in St. Charles, according to Numbeo.

Miscellaneous Expenses

Miscellaneous living expenses in St. Charles include things like entertainment, shopping, and unexpected costs. On average, a meal at a mid-range restaurant for two people costs around $40 to $60, and a trip to a local coffee shop will cost around $4 to $6 for a cup of coffee. Internet services typically run about $60 to $80 per month, while mobile phone plans average $40 to $70 per month. For other personal spending

Is St. Charles, Missouri a safe place to live – Crime Rates?

Crime Rate

St. Charles, Missouri, has relatively low crime rates compared to national averages and many other urban areas. The overall crime rate in St. Charles is around 20% lower than the national average, according to NeighborhoodScout. As of 2023, the city’s crime index is reported at 28 (out of 100), indicating a relatively safe environment. St. Charles has seen steady declines in crime over the past five years, making it a desirable place for families and individuals looking for a secure community. However, crime rates can vary significantly by neighborhood, so it is always important to research specific areas within the city.

Violent Crime Rate

The violent crime rate in St. Charles is considerably lower than the national average. According to the latest report from the FBI Uniform Crime Reporting (UCR) program, St. Charles’ violent crime rate was 1.5 incidents per 1,000 residents in 2022, far below the national average of 4.0 per 1,000 residents. The most common violent crimes in the city are aggravated assault and robbery, but both are infrequent. St. Charles is considered safer than about 68% of U.S. cities, making it an appealing option for those concerned about violent crime.

Property Crime Rate

Property crime rates in St. Charles are also lower than the national average. In 2022, the property crime rate in the city was 14.3 incidents per 1,000 residents, which is below the national average of 19.6 incidents per 1,000 residents, according to data from the NeighborhoodScout. This includes crimes such as burglary, larceny-theft, motor vehicle theft, and arson. While property crime exists, it remains relatively rare in comparison to other cities, which contributes to the overall perception of safety in St. Charles.

Police Presence

The St. Charles Police Department maintains a visible and active presence throughout the city, focusing on both crime prevention and community engagement. The department is staffed with over 120 officers and has a strong record of providing public safety services. According to the St. Charles Police Department, the department employs a variety of community policing strategies, including neighborhood patrols, crime prevention initiatives, and public safety education programs. The city also utilizes technology such as surveillance cameras and crime mapping software to enhance response times and efficiency. This commitment to proactive policing helps contribute to the city’s overall safety.

Neighborhood Watch Programs

St. Charles is home to active neighborhood watch programs aimed at reducing crime and promoting community safety. The city encourages residents to participate in these programs to foster safer neighborhoods through increased vigilance and communication with local law enforcement. According to the St. Charles Police Department, neighborhood watch groups are highly supported by the police, and new residents are encouraged to join. These programs have been effective in reducing crime rates in the areas where they are active and contribute to building a sense of community among residents.

Safety Rankings

St. Charles consistently ranks among the safer cities in Missouri. According to data from SafeHome.org, St. Charles is listed as one of the safest cities in Missouri, ranking well above many other urban areas in terms of safety. It ranks 24th out of 80 Missouri cities for overall safety, a strong showing considering its proximity to the larger, more urbanized St. Louis metro area. Safety rankings are influenced by both violent and property crime rates, and St. Charles stands out for its consistent efforts to reduce both types of crime.

Trend Data

Crime trends in St. Charles have shown a steady decline over the past several years. According to FBI Crime Data, overall crime in St. Charles dropped by 6% between 2021 and 2022, a positive indicator of the city’s improving safety. This decline is part of a longer trend, with property crime rates down by 15% over the last five years. The drop in violent crime has also been significant, with fewer incidents reported each year. This trend can be attributed to increased community engagement, improved policing strategies, and ongoing crime prevention efforts by the local government and law enforcement agencies.

School Safety

St. Charles is home to well-regarded schools that prioritize student safety. According to data from the GreatSchools website, the Francis Howell School District, which serves much of the area, consistently receives high ratings for safety and academic performance. The district has implemented various measures to ensure a safe learning environment, including security protocols, anti-bullying programs, and campus resource officers. School shootings are rare, and incidents of violence on campuses are low compared to national averages. The district’s focus on fostering a secure environment for students contributes to the overall safety of St. Charles as a place to live and raise a family.

What are the demographics of St. Charles, Missouri?

White

The majority of St. Charles, Missouri’s population is White. As of the 2020 U.S. Census, approximately 82.4% of the city’s population identifies as White. This makes White residents the largest racial group in St. Charles. This figure is consistent with the overall demographic makeup of St. Charles County, where the White population also represents a significant portion of the total population. The city maintains a predominantly White demographic, with this group making up a large share of both the adult and youth populations. Source: U.S. Census Bureau.

Black or African American

Black or African American residents make up 9.7% of the population in St. Charles, according to the 2020 U.S. Census. This percentage represents a steady proportion of the city’s demographic, which has seen a gradual increase in Black residents over recent years. This demographic has experienced growth particularly in the urban areas of St. Charles, aligning with broader trends seen in the St. Louis metropolitan area. The African American community in St. Charles is active in cultural and social organizations that serve to support both the community and the region as a whole. Source: U.S. Census Bureau.

Hispanic or Latino

Hispanic or Latino residents comprise 5.0% of the population in St. Charles, as reported by the 2020 U.S. Census. This group has grown steadily over the last decade, reflecting national trends of increasing Latino populations in suburban areas across the U.S. While still a minority in St. Charles, the Hispanic population contributes to the city’s cultural diversity, with many residents of Mexican and Central American origin. There are also significant numbers of businesses and cultural centers that cater to the Hispanic community in St. Charles. Source: U.S. Census Bureau.

Two or More Races

Approximately 2.3% of the population in St. Charles identifies as belonging to two or more races, according to the 2020 U.S. Census. This figure reflects the growing trend of multiracial individuals across the United States, including in suburban areas like St. Charles. This population represents a mixture of various racial and ethnic backgrounds, and the percentage has been increasing in recent years as people identify with multiple racial categories. Source: U.S. Census Bureau.

Asian

Asian residents make up about 2.6% of the population in St. Charles, according to data from the 2020 U.S. Census. This community is diverse, including individuals of Indian, Chinese, Vietnamese, and other Asian ancestries. While still a smaller demographic, the Asian population in St. Charles has grown over the years, particularly with immigrants and professionals relocating to the area due to job opportunities in the greater St. Louis metro region. Asian-owned businesses and cultural organizations are present and continue to expand in the area. Source: U.S. Census Bureau.

Native American

Native American residents make up a very small portion of the population in St. Charles, accounting for about 0.2% of the city’s population according to the 2020 U.S. Census. This percentage is consistent with national trends, where Native American populations are generally underrepresented in suburban areas outside of regions with a larger Indigenous population. Native American groups in St. Charles, although small, contribute to the city’s cultural and social diversity. Source: U.S. Census Bureau.

Native Hawaiian or Pacific Islander

Native Hawaiian or Pacific Islander residents make up a very small fraction of the population in St. Charles, with less than 0.1% of the total population identifying as such according to the 2020 U.S. Census. This group is one of the smallest racial/ethnic categories in St. Charles, and as such, there are few specific cultural or community organizations catering to Native Hawaiian or Pacific Islander populations within the city. Source: U.S. Census Bureau.

Sources

St. Charles, Missouri Population by Age and Gender

Total Population by Gender

The total population of St. Charles, Missouri is approximately 70,000 as of the most recent U.S. Census data from 2020. The gender distribution is relatively balanced, with about 48.9% of the population identifying as male and 51.1% as female. This gender split is common in many suburban areas and reflects national averages. The city’s male population is around 34,000, while the female population is slightly higher at about 36,000. Source: U.S. Census Bureau.

Age Distribution

The age distribution in St. Charles shows a broad spread of age groups, with the largest population concentrated in the 35-54 age range. According to data from the U.S. Census Bureau, the breakdown is as follows:

  • Under 18 years: 24.6% of the population
  • 18-34 years: 14.5% of the population
  • 35-54 years: 28.6% of the population
  • 55-64 years: 15.0% of the population
  • 65 years and over: 17.3% of the population

This distribution reflects the presence of a significant family-oriented population, as well as a growing senior demographic, which is common in suburban areas.

Median Age

The median age of St. Charles residents is 39.5 years, according to the 2020 U.S. Census data. This median age is slightly higher than the national median age of 38.0 years, reflecting a population that is somewhat older, with a significant number of individuals aged 50 and older. The presence of retirees and long-term residents contributes to this figure. Source: U.S. Census Bureau.

Sex Ratio

The sex ratio in St. Charles is 95.7 males for every 100 females, as reported by the U.S. Census Bureau in 2020. This is typical for many suburban and urban areas in the United States, where the female population tends to slightly outnumber the male population, particularly in older age groups. Source: U.S. Census Bureau.

Population Growth Rates

St. Charles has experienced steady population growth over the past decade. From 2010 to 2020, the city’s population grew by 8.4%, according to data from the U.S. Census Bureau. This growth rate is consistent with broader trends in suburban St. Louis, where families are moving out of the city to more affordable and spacious communities like St. Charles. The growth is expected to continue as the area becomes increasingly attractive to young families and retirees.

Marital Status by Age and Gender

Marital status data from the 2020 U.S. Census reveals the following breakdown for St. Charles:

  • Never married: 33.2% of males and 28.9% of females
  • Married (spouse present): 57.9% of males and 59.5% of females
  • Divorced: 6.5% of males and 6.7% of females
  • Widowed: 2.4% of males and 4.9% of females

These figures reflect national trends, with a higher proportion of married residents and a significant number of individuals who are widowed, particularly among women. Source: U.S. Census Bureau.

Educational Attainment by Age and Gender

St. Charles has a well-educated population. According to data from the U.S. Census Bureau, 93.5% of St. Charles residents aged 25 and older have a high school diploma or equivalent. Additionally, 39.7% of residents have a bachelor’s degree or higher. Educational attainment in St. Charles is slightly above the national average, reflecting the city’s appeal to families and professionals who prioritize education. The education level is particularly high among individuals aged 25-44, with nearly 45% holding a bachelor’s degree or higher.

Health Statistics by Age and Gender

Health data for St. Charles aligns closely with broader state and national trends. According to the CDC National Center for Health Statistics, life expectancy in Missouri is about 77.3 years, with slight differences between genders. Women in St. Charles typically have a life expectancy of about 79.5 years, while men tend to live to an average age of 75.5 years. The city has relatively low rates of chronic diseases such as heart disease and diabetes, though these are more prevalent among older adults. Health insurance coverage is high in St. Charles, with over 90% of residents having health insurance, a significant factor contributing to overall health outcomes in the area.

Sources

St. Charles, Missouri Zip Codes

St. Charles, Missouri , primarily has the following ZIP codes:

  • 63301
  • 63303
  • 63304

This ZIP code covers the majority of the St. Charles area.

What is the history of St. Charles, Missouri?

History of St. Charles, Missouri

St. Charles, Missouri, holds a prominent place in American history, being one of the oldest cities in the state. Its story began long before it became the city it is today, spanning several centuries of Native American habitation, European exploration, and eventual settlement by American pioneers.

Native American Presence

Long before European settlers arrived, the area now known as St. Charles was inhabited by various Native American tribes, primarily the Missouria and Osage tribes. These tribes utilized the fertile land along the Missouri River for hunting, fishing, and trading. The region’s rich natural resources made it a significant area for the indigenous peoples of the Great Plains.

French Exploration and Settlement

The history of St. Charles begins in the early 18th century with the arrival of French explorers. The area was part of French Louisiana, a vast territory claimed by France in North America. In 1765, the French explorer and fur trader Auguste Chouteau established a trading post along the Missouri River near the present-day site of St. Charles. Chouteau’s settlement became a center for French settlers and fur traders traveling through the region.

The town of St. Charles was officially founded in 1769 by the French under the name “Les Petites Côtes,” meaning “the Little Hills.” It was named after St. Charles, the patron saint of the region. This settlement was part of the larger French colonial efforts to create trading posts along the Mississippi and Missouri rivers. The French influence on St. Charles remained strong through the late 18th century.

Spanish and American Influence

In 1800, the Louisiana Territory was transferred from Spain back to France in the Treaty of San Ildefonso. However, just three years later, in 1803, the United States purchased the vast territory from France in the Louisiana Purchase. This pivotal moment marked the beginning of American control in the region. The United States government, under President Thomas Jefferson, sent explorers, including Meriwether Lewis and William Clark, to explore the newly acquired land. St. Charles played a significant role as a starting point for the Lewis and Clark Expedition, as it was the place where the expedition departed in May 1804. The historic journey, aimed at mapping the western territories and establishing U.S. presence in the Pacific Northwest, began from St. Charles after a celebratory send-off.

19th Century Development

During the 1800s, St. Charles transitioned from a French colonial settlement to an important American frontier town. It became a critical hub for trade, particularly due to its location on the Missouri River, which was a major transportation route. As the state of Missouri became more settled and the American frontier expanded westward, St. Charles became a key center for supplies and services for those heading westward.

St. Charles’ growth was bolstered in the 1830s when it became the second-largest city in Missouri, after St. Louis. However, the city’s growth slowed by the mid-19th century as railroads bypassed it, favoring St. Louis as a major industrial and transportation hub.

Civil War and Reconstruction

The Civil War (1861-1865) had a significant impact on St. Charles, as it did across the nation. Despite being in a border state, the area was largely sympathetic to the Union cause. However, many families were divided, with some supporting the Confederacy. St. Charles was occupied by Union forces during the war, and several skirmishes took place in the surrounding areas. The war’s end saw St. Charles recover slowly, as the country as a whole dealt with the challenges of Reconstruction.

20th Century Growth and Modernization

In the 20th century, St. Charles experienced significant changes as the city modernized. With the advent of automobiles, highways, and suburban development, the town expanded rapidly. The construction of Interstates 70 and 64, in particular, brought increased traffic and business to the city, as St. Charles became more integrated with the metropolitan area of St. Louis. By the mid-20th century, St. Charles was no longer just a historic site—it had transformed into a thriving city with a modern economy.

In 1985, St. Charles made a notable leap by officially becoming a city, separating from St. Charles County, a move that allowed the city more autonomy in its governance and development. The city’s historic district, which includes many 19th-century buildings, became a popular tourist attraction, drawing visitors from around the region. The growth of St. Charles also spurred the development of new residential areas and commercial centers.

Today’s St. Charles

Today, St. Charles is a vibrant city blending its rich history with modern suburban development. It is known for its charming historic district, which is home to restored 19th-century buildings, and as the site of several annual events that celebrate its heritage. The city’s proximity to St. Louis has allowed it to thrive as part of a growing metropolitan area. Its history, from its Native American roots to its pivotal role in the early United States, remains an integral part of St. Charles’ identity.

Sources

St. Charles, Missouri Weather

Weather Overview for St. Charles, Missouri

St. Charles, Missouri, experiences a humid continental climate with distinct seasons, ranging from cold winters to hot summers. Below is a detailed breakdown of the weather patterns based on the most recent available data.

Average Temperature (by Month)

The average temperature in St. Charles, Missouri, varies significantly throughout the year. Here’s a breakdown of the monthly average temperatures (in Fahrenheit) for St. Charles based on the most recent data from 2023:

Month Average High (°F) Average Low (°F)
January 37°F 20°F
February 41°F 23°F
March 51°F 33°F
April 62°F 43°F
May 72°F 53°F
June 82°F 63°F
July 88°F 70°F
August 87°F 68°F
September 79°F 59°F
October 64°F 44°F
November 49°F 34°F
December 39°F 24°F

St. Charles has a considerable variation in temperature, with hot, humid summers and cold, snowy winters.

Precipitation Patterns

St. Charles receives an average annual precipitation of around 41 inches. The rainiest months are typically April, May, and June, with these months averaging 4–5 inches of rain per month. Precipitation is spread fairly evenly throughout the year, but late spring and summer tend to receive the most rainfall.

The highest recorded rainfall for St. Charles occurred in May 2023, with over 5.2 inches of rain during a particularly wet month.

Extreme Weather Events

St. Charles is susceptible to extreme weather events, especially in the spring and summer months. Severe thunderstorms, hail, and tornadoes are not uncommon in the region. The city is located within “Tornado Alley,” meaning it is at risk for tornadoes, particularly during the months of April through June.

In 2023, St. Charles experienced several tornado warnings and was affected by a major storm system that brought large hail and strong winds in late May. Fortunately, the area did not experience any major tornadoes in 2023, but storms remain a consistent hazard in the region.

Humidity Levels

St. Charles experiences high humidity levels, particularly in the summer. Humidity levels in the summer months often exceed 70%, which can make the air feel even hotter than the actual temperature. In winter, humidity levels are lower but can still be quite damp due to frequent rain and snow.

Sunlight

On average, St. Charles experiences 200–210 sunny days per year. Summers are the sunniest, with long days and plenty of sunshine. The least amount of sunshine occurs in December and January, when the area sees only about 4–5 hours of sunlight per day.

Wind Patterns

Winds in St. Charles are generally moderate, with average annual wind speeds of 8-10 mph. Winds are strongest in the winter months, with occasional gusts during thunderstorms in the spring and summer. Winter winds combined with low temperatures can lead to wind chills that feel much colder than the actual air temperature.

Comparison with Missouri’s State Average

St. Charles has a climate typical of central Missouri. Its temperatures are slightly higher than the state average during the summer, but the winters are colder. Missouri averages about 39°F in January (close to St. Charles’ 37°F), and the state experiences about 44 inches of precipitation annually, slightly more than St. Charles’ average of 41 inches.

Comparison with U.S. National Average

On a national scale, St. Charles experiences higher average temperatures during the summer months compared to the U.S. national average. The national average high temperature in July is approximately 86°F, which is slightly lower than St. Charles’ 88°F. In terms of precipitation, the U.S. averages 38 inches of rain annually, which is fairly close to St. Charles’ 41 inches, though the area can receive more rainfall in the late spring.

Sources

Average Income in St. Charles, Missouri

The average annual salary for workers in St. Charles, Missouri, varies depending on the industry and job type. According to the most recent data from the U.S. Census Bureau (2021), the median household income in St. Charles is approximately $72,000 per year. This is higher than the national median household income, which was around $70,000 in the same year.

Average Hourly Wage

The average hourly wage in St. Charles is reported at about $18.50 per hour, which is slightly higher than the national average hourly wage of $17.00 (2021 data). These wages reflect a mix of entry-level and skilled positions, with varying pay scales depending on the industry and experience.

Median Salary Range

In terms of median income, workers in St. Charles typically earn between $40,000 and $90,000 annually, depending on their career field, experience level, and education. The median income for a full-time worker is closer to $60,000, which places St. Charles slightly above the national average in terms of income.

Most Popular Jobs/Careers in St. Charles

Common jobs in St. Charles span a variety of sectors, with healthcare, retail, and education being prominent fields. Some of the most popular occupations in the area include:

  • Registered Nurses
  • Sales Representatives
  • Elementary and Secondary School Teachers
  • General Managers
  • Customer Service Representatives

Highest Paid Jobs in St. Charles

The highest-paid jobs in St. Charles tend to be in management, healthcare, and specialized technical fields. These roles include:

  • Physicians and Surgeons
  • Pharmacists
  • General Managers and Executives
  • Software Developers
  • Lawyers

These roles have median annual salaries well over $100,000, making them some of the most lucrative career paths in the region.

Comparison with Missouri State Income

When compared to the state of Missouri, St. Charles’ average household income is higher than the state median. According to the U.S. Census Bureau, the median household income in Missouri is around $57,000, which is lower than St. Charles’ median of $72,000. The income disparity suggests that St. Charles is a relatively affluent area within the state.

Comparison with U.S. National Income

Nationally, the median household income for the U.S. in 2021 was approximately $70,000. St. Charles’ median income of $72,000 is slightly above the national average, indicating that residents of the area typically earn more than the average American household.

Sources

Taxes in St. Charles, Missouri

Property Taxes in St. Charles, Missouri

In St. Charles, Missouri, property taxes are administered by St. Charles County and are based on the assessed value of the property. The average effective property tax rate in St. Charles County is approximately 1.05% of the property’s assessed value. This rate is relatively close to the state average for Missouri, which is about 1.03%.

The property tax rate is calculated by multiplying the assessed value of the property (which is typically 19% of the market value for residential properties) by the applicable tax rate, which varies by district and municipality.

Sales Taxes in St. Charles, Missouri

The sales tax rate in St. Charles is made up of both state and local taxes. The state sales tax rate in Missouri is 4.225%, and St. Charles has an additional local sales tax of 2.5%. This results in a total sales tax rate of 6.725% for most goods and services in St. Charles.

Specific items, such as food for home consumption and prescription medications, may be exempt from sales tax or taxed at a reduced rate.

Income Taxes in St. Charles, Missouri

St. Charles, like the rest of Missouri, follows the state’s income tax structure. Missouri’s state income tax rate is progressive, ranging from 1.5% to 5.4% depending on the individual’s taxable income. In addition to the state income tax, St. Charles does not have a local income tax, meaning residents are only subject to the state tax rates.

For example, a single filer in Missouri earning up to $1,114 per year would pay the lowest tax rate of 1.5%, while those earning over $8,704 would be taxed at the highest rate of 5.4%.

Utility Taxes in St. Charles, Missouri

Utility taxes in St. Charles are applied to various services such as electricity, water, and natural gas. These taxes vary based on the type of service provided. The general utility tax rate for electricity and natural gas is approximately 4%, while water services are taxed at a rate of about 2%.

Hotel Occupancy Tax in St. Charles, Missouri

St. Charles has a hotel occupancy tax of 6% on the rental of hotel rooms and other short-term lodging accommodations. This tax is applicable to all stays within the city and is typically added to the bill at the time of booking or checkout.

Entertainment Taxes in St. Charles, Missouri

There are no specific “entertainment taxes” in St. Charles. However, certain types of entertainment services, such as ticketed events or admissions to venues, may be subject to the general sales tax rate of 6.725%.

Tax Payment Schedule

Property taxes in St. Charles are typically due on December 31st of each year. Payments can be made online, by mail, or in person at the St. Charles County Treasurer’s office. The payment schedule is fixed annually, with no specific installment options for property taxes. Sales and income taxes are paid through the state’s system, with income taxes typically due on April 15th, and sales tax being remitted regularly based on business activity.

Penalties for Late Payment

If property taxes are not paid by the due date, penalties and interest will be applied. Typically, a 1.5% penalty is charged per month, along with interest, for late payments. Failure to pay property taxes can also result in a lien being placed on the property and, in extreme cases, a tax sale.

Where to Pay Taxes in St. Charles, Missouri

Taxes in St. Charles can be paid online through the St. Charles County Treasurer’s website, by mail, or in person at the Treasurer’s office. Income taxes are paid to the Missouri Department of Revenue, and sales taxes are typically collected by local businesses, who then remit them to the state.

Contact Information

For more information about tax rates, payment deadlines, or to pay taxes, residents of St. Charles can contact:

  • St. Charles County Treasurer’s Office: (636) 949-7470
  • Missouri Department of Revenue (for income taxes): (573) 751-3505

Comparison with Missouri State Taxes

Missouri’s overall property tax rate is slightly lower than the national average, and the same holds true for St. Charles, which has a property tax rate that is almost identical to the state rate. Sales tax in St. Charles is higher than the Missouri average, which is around 4.225% at the state level, due to the local add-on tax in St. Charles.

Comparison with U.S. National Tax Rates

On a national level, the average state sales tax rate in the U.S. is about 5%, meaning St. Charles’ combined sales tax rate of 6.725% is slightly above the national average. Additionally, the average state property tax rate in the U.S. is about 1.07%, which is similar to the rate in St. Charles (1.05%).

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Is St. Charles, Missouri a Good Place to Live for Singles?

Events and Activities in St. Charles, Missouri

St. Charles, Missouri, offers a variety of events and activities suitable for singles looking to meet people or enjoy the local culture. The city is known for its historic downtown, which features a mix of restaurants, shops, and seasonal events. Some of the popular annual events include:

  • Festival of the Little Hills: A large arts and crafts festival that takes place every August, featuring local vendors, music, and food.
  • St. Charles County Fair: Held every summer, this fair offers entertainment, carnival rides, and live music.
  • St. Charles Winter Wonderland: A holiday light display that brings people together to enjoy the festive atmosphere.
  • Live Music at The Foundry Art Centre: A venue for arts and cultural events, including live performances and gallery shows.

For a broader selection of activities and events, you can explore local event calendars:

Gyms in St. Charles, Missouri

St. Charles offers several gyms and fitness centers where singles can work out and meet like-minded individuals. Here are some options:

  • YMCA St. Charles County: Offers fitness classes, swimming, and a community-oriented environment.
  • Planet Fitness St. Charles: Known for affordable memberships and a comfortable atmosphere for all fitness levels.
  • F45 Training St. Charles: A group fitness class-focused gym with an emphasis on functional training and community building.

For more gym options in St. Charles, visit: Yahoo Search – Gyms in St. Charles, MO

Housing in St. Charles, Missouri

The housing market in St. Charles is diverse, offering a range of rental properties suitable for singles, from apartments to townhouses. As of the most recent data, rental prices in St. Charles are relatively affordable compared to other areas in the St. Louis metro. The average monthly rent for a one-bedroom apartment is approximately $1,000.

For more information on available rentals, you can visit:

Percentage of Single Residents in St. Charles, Missouri

According to the latest census data, approximately 35% of the population in St. Charles is unmarried. This percentage is higher than the state average of Missouri, which is around 30% unmarried residents. This suggests that St. Charles has a relatively larger community of singles compared to other areas in Missouri.

For more demographic information, check out: U.S. Census Bureau – St. Charles Demographics

Comparison with Missouri and U.S. Single Statistics

Missouri has a single population percentage of about 30%, so St. Charles is above the state average in terms of unmarried residents. Nationally, the percentage of single residents in the U.S. is approximately 35%, which aligns with St. Charles’ rate, indicating that it is in line with national trends for unmarried individuals.

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Is St. Charles, Missouri Good for Families?

St. Charles, Missouri is a great place for families, offering a mix of safety, affordable housing, and family-friendly activities. The city is known for its low crime rate, pleasant weather, and overall high quality of life. Housing costs are reasonable, with plenty of family homes available for purchase, and employment opportunities in the region remain stable due to its proximity to St. Louis. With excellent parks, great dining options, and a welcoming community, St. Charles provides a solid foundation for family life.

Parks and Family Activities in St. Charles, Missouri

St. Charles is home to several parks and recreational facilities that are perfect for families. The St. Charles County Parks and Recreation Department operates a variety of parks with playgrounds, sports fields, and picnic areas. Notable parks include:

  • Quail Ridge Park: Offers hiking trails, fishing, a dog park, and playgrounds for kids.
  • Weldon Spring Conservation Area: Features nature trails and opportunities for wildlife viewing.
  • Heritage Museum & St. Charles Riverfront: Perfect for learning about local history, with walking trails along the Missouri River.

For more community events and family activities, check out these resources:

Restaurants in St. Charles, Missouri

St. Charles offers a wide variety of family-friendly dining options. Whether you’re craving Italian, Mexican, BBQ, or classic American dishes, you’ll find plenty of choices in the city.

Italian Restaurants

For Italian food lovers, St. Charles has several great options. Try local favorites such as Trattoria Marcella or St. Charles Italian Restaurant.

To explore more, check out: Italian Restaurants in St. Charles

Mexican Restaurants

St. Charles is also known for excellent Mexican cuisine. Popular choices include Los Cabos Mexican Grill & Cantina and El Maguey.

To find more, visit: Mexican Restaurants in St. Charles

BBQ Restaurants

If you’re in the mood for BBQ, St. Charles has delicious spots like Salt + Smoke and Smokin’ Smitty’s.

To explore more BBQ options, check: BBQ Restaurants in St. Charles

American Restaurants

Classic American restaurants in St. Charles, such as The Brick House and Fuddruckers, offer familiar favorites for families.

For a full list, visit: American Restaurants in St. Charles

Housing in St. Charles, Missouri

The housing market in St. Charles is family-friendly, with an affordable range of homes for sale. The median home price in St. Charles is around $270,000, which is lower than the average home price in St. Louis County. Families can find single-family homes with spacious yards in suburban neighborhoods, and many communities are close to parks and schools, making it an ideal location for raising children.

To browse homes for sale in St. Charles, check out: Zillow – Homes for Sale in St. Charles

Percentage of Family Residents in St. Charles, Missouri

According to the latest census data, approximately 62% of households in St. Charles are married-couple families. This is higher than the state average for Missouri, which is around 56%, indicating that St. Charles is a family-oriented community.

For more detailed statistics, check out the source here: U.S. Census Bureau – St. Charles Demographics

Comparison with Missouri and U.S. Family Statistics

Missouri has about 56% of households that are married-couple families, which is lower than the 62% in St. Charles. Nationally, about 50% of households are married-couple families, so St. Charles has a higher percentage of married households compared to both the state and national averages.

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How are the schools in St. Charles, Missouri?

St. Charles, Missouri offers a variety of educational opportunities for families, with a range of schools from Pre-K through high school, as well as nearby colleges and universities. The St. Charles School District is one of the largest and most well-funded districts in the area, offering quality education with a focus on academic excellence, extracurricular activities, and community involvement. Public schools in St. Charles are generally well-funded, with local property taxes providing much of the funding for schools. School test scores and graduation rates are strong, with many schools achieving above-average results compared to the state and national averages. The district also offers specialized programs in STEM, arts, and advanced placement courses, which contribute to the city’s appeal for families looking for quality education.

Pre-K Schools in St. Charles, Missouri

Pre-K programs in St. Charles are provided both by public and private institutions. The St. Charles School District offers a well-regarded early childhood education program, with a focus on preparing young learners for kindergarten. Many private schools in the area, such as St. Charles Christian Academy, also offer Pre-K services. For more information, you can visit the district’s official website for details about enrollment and curriculum.

Kindergarten Schools in St. Charles, Missouri

Kindergarten education in St. Charles is available in both public and private schools. The St. Charles School District offers full-day kindergarten at several elementary schools, including Coverdell Elementary and Beaumont Elementary. These schools are known for their strong foundational programs that prepare children for future academic success. The district provides an inclusive and nurturing environment for young learners. More information can be found on the district’s school page.

Elementary Schools in St. Charles, Missouri

Elementary education in St. Charles is provided by the St. Charles School District, which operates several elementary schools in the area. Notable schools include:

  • Coverdell Elementary: Known for its commitment to personalized learning and a strong academic foundation. More information is available here.
  • Beaumont Elementary: Offers a focus on reading and math literacy. Visit here for more details.
  • Harris Elementary: Known for a rich history of community involvement and strong arts programs. Learn more here.

The St. Charles School District consistently performs above state averages in standardized testing. For academic results, see the district’s website.

Middle Schools in St. Charles, Missouri

The St. Charles School District offers several middle schools that provide a strong transition from elementary to high school. These schools emphasize both academic success and extracurricular activities. Top middle schools include:

  • Hardin Middle School: Focuses on advanced learning and strong STEM programs. Visit their page here.
  • St. Charles West Middle School: Known for its athletics and leadership programs. More details are available here.

Both middle schools in St. Charles have been recognized for their outstanding performance and involvement in local and state academic competitions. For further information, you can visit the district’s official site.

High Schools in St. Charles, Missouri

St. Charles is home to several highly regarded high schools, including:

  • St. Charles High School: Offers a variety of academic programs, including advanced placement (AP) and dual-credit courses. The school consistently scores well on state assessments and has a strong graduation rate. Learn more here.
  • St. Charles West High School: Known for its dedicated faculty and commitment to academic excellence. Explore more on the official site.

The high schools in St. Charles also offer a variety of extracurricular activities, such as athletics, music, and leadership programs. They are committed to providing students with a well-rounded education. Check out the district’s website for more details about academic and extracurricular opportunities.

Colleges and Universities Near St. Charles, Missouri

For families looking for higher education options, St. Charles is close to several institutions of higher learning, including:

  • Lindenwood University: A private university located in St. Charles, offering undergraduate and graduate programs in a wide range of fields. For more information, visit Lindenwood University.
  • St. Louis Community College – Florissant Valley: Located nearby, it offers affordable education and vocational training. Learn more at St. Louis Community College.

School Funding and Academic Performance

The St. Charles School District is one of the largest and most well-funded districts in the state, receiving a combination of state and local funding. In the 2021-2022 school year, the district had a per-pupil expenditure of approximately $10,000, which is slightly higher than the state average. This funding supports a range of academic programs, as well as extracurricular activities that are crucial for student development. The district’s performance on state assessments is strong, with a high percentage of students meeting or exceeding state standards in math and reading.

For more information on school funding and academic results, visit the St. Charles School District’s website.

Churches in St. Charles, Missouri

Conclusion: Why you should consider moving to St. Charles, Missouri

St. Charles, Missouri is a vibrant, welcoming community that offers a high quality of life for individuals and families alike. With its rich history, excellent schools, and family-friendly atmosphere, it’s a place where people can thrive. The city combines the charm of a historic downtown with the convenience of modern amenities, providing residents with a unique blend of old-world character and contemporary living. Whether you’re looking for strong educational opportunities, a variety of recreational options, or a tight-knit community, St. Charles has it all. The area’s affordable housing, great job opportunities, and low crime rate make it an attractive choice for anyone looking to make a fresh start or settle down long term. With excellent schools, beautiful parks, and a welcoming community, St. Charles truly offers something for everyone. If you’re considering a move, St. Charles is the perfect place to call home—where a rich past meets a bright future.