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St. Charles city, MO

ZIP 63301 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 63301

Median Home Value
$249,400
Median Rent
$914
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,602/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

22.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 63301 in St. Charles city, MO, a household would need roughly $69,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,602. That sits below the local median household income ($83,551), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.0%+7% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
92.6%+6% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
2.9%-78% vs US avg
x
Built Post-2014
2.0%-71% vs US avg
x
Rent Burden >30%
13.0%-74% vs US avg
x
Mortgage-Free
37.2%-3% vs US avg
x
$249,400
Home Value
$914
Rent
1977
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.0%
  • 1-unit attached7.0%
  • 2-9 units12.7%
  • 10+ units9.8%
  • Mobile home & other5.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$249,400
Median rent$914
Owner-occupied70.0%
Vacant6.8%
Price-to-income3.0x
Est. income to buy$69,000