HomeIllinoisKane CountySt. Charles city
St. Charles city, Illinois: commercial real estate data.
St. Charles city is a Census city of 32,854 people across 14.46 square miles of land, lying across Kane County and DuPage County. Median household income is $114,300, 70.3 percent of occupied homes are owned, and the SBA record carries 106 7(a) approvals to borrowers here worth $52.6 m.
84 sourced place values · tier FULL · 9 sections
St. Charles
What St. Charles is
- Census place typecity
- Land area14.46 sq mi
- Water area0.6 sq mi
- Population per square mile of land2,272
- County holding the largest share of its areaKane County, 96.8 percent
- Counties this place lies inKane County 96.8 percent, DuPage County 3.2 percent
St. Charles city crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
How many people live in St. Charles
- Population32,854
- Median age41.5
- Population under 186,609
- Share under 1820.1 percent
- Population 65 and over5,721
- Share 65 and over17.4 percent
- Households13,161
- Family households8,823
- Share of households that are families67.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
Income and work in St. Charles
- Median household income$114,300
- Per capita income$61,527
- Civilian labor force19,296
- Employed18,498
- Unemployed798 plus or minus 260
- Unemployment rate4.1 percent plus or minus 1.3
- Adults 25 and over23,236
- Adults 25 and over with a high school diploma or higher94.0 percent
- Adults 25 and over with a bachelor degree or higher52.0 percent
- Adults 25 and over with a graduate degree20.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
Housing in St. Charles
- Housing units13,829
- Occupied units13,161
- Vacant units668 plus or minus 250
- Vacancy rate4.8 percent plus or minus 1.8
- Owner occupied9,246
- Renter occupied3,915
- Ownership rate70.3 percent
- Median owner-occupied home value$377,400
- Median gross rent, monthly$1,819
- Annual rent as a share of median income19.1 percent
- Single family units10,136
- Share single family73.3 percent
- Units in buildings of two or more3,693
- Share in buildings of two or more26.7 percent
- Mobile homes0
- Median year structure built1984
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
How St. Charles gets to work
- Workers 16 and over who commute15,454
- Commuting under 15 minutes4,747
- Share commuting under 15 minutes30.7 percent
- Commuting 30 minutes or more6,201
- Share commuting 30 minutes or more40.1 percent
- Drove alone73.4 percent
- Carpooled6.8 percent plus or minus 4.2
- Public transport2.3 percent plus or minus 0.9
- Walked1.6 percent plus or minus 0.8
- Worked from home15.2 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
SBA 7(a) lending to St. Charles borrowers
- Approvals106
- Gross approval$52,595,000
- Average approval$496,179
- Median approval$325,000
- Ninetieth percentile approval$1,000,000
- Largest approval$3,600,000
- Jobs supported1,184
- Jobs per approval11.2
- Loans with a final outcome16
- Paid in full16
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term120 months
- Share on real estate terms of 20 years or more12.3 percent
- Share to franchises26.4 percent
- Distinct lenders39
- Distinct industries by NAICS62
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Charles
SBA 504 lending to St. Charles borrowers
- Approvals108
- Gross approval$96,791,000
- Average approval$896,213
- Median approval$536,000
- Largest approval$5,500,000
- Jobs supported1,324
- Loans with a final outcome39
- Charged off1
- Charge-off rate over resolved loans2.6 percent
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Charles
Flood programme status in St. Charles
- Listed NFIP communities1
- Of those, participating1
- Best Community Rating System classClass 5
- NFIP community number170330
- Currently effective map date07/20/21
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Kane County, not St. Charles
Kane County context, not St. Charles figures
These are Kane County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. Charles measurements.
- Establishments in Kane County13,537
- Employment at those establishments, Kane County194,921
- Covered employment, Kane County213,795
- Average annual pay, Kane County$62,791
- Average weekly wage, Kane County$1,208
- Housing units permitted, Kane County2,132
- Of those, single family, Kane County1,741
- County product, 2024, Kane County$37,058,271,000
- County product change over the prior year, Kane County4.5 percent
- Average income of an arriving household, Kane County$85,505
Every figure in this section is published for Kane County as a whole and is not a measurement of St. Charles. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
St. Charles questions, answered from the record.
How many people live in St. Charles, Illinois?
32,854, in 13,161 households. St. Charles city covers 14.46 square miles of land, which is 2,272 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Charles in?
St. Charles lies in more than one. By area it is 96.8 percent in Kane County, 3.2 percent in DuPage County. This page sits under Kane County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in St. Charles?
$114,300. The median owner-occupied home is valued at $377,400. Median gross rent is $1,819 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Charles businesses?
106 7(a) approvals totalling $52.6 m, across 39 lenders, median approval $325,000, plus 108 504 approvals worth $96.8 m. These count approvals to borrowers whose address is in St. Charles, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Charles borrowers get paid back?
Of the 16 loans that have reached a final outcome, 16 were paid in full and 0 charged off, a charge off rate of 0.0 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is St. Charles in the National Flood Insurance Program?
Yes. St. Charles appears in the FEMA Community Status Book as community 170330, carrying Community Rating System class 5, which is a premium discount for exceeding the programme minimum. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. Charles figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Kane County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. Charles.
Is zoning published for St. Charles?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.