HomeIowaMadison CountySt. Charles
St. Charles, Iowa: commercial real estate data.
St. Charles is a Census city of 914 people across 0.62 square miles of land, in Madison County. Median household income is $82,841, 71.0 percent of occupied homes are owned, and the SBA record carries 5 7(a) approvals to borrowers here worth $754,700 since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Charles
What St. Charles is
- Census place typecity
- Land area0.62 sq mi
- Water area0 sq mi
- Population per square mile of land1,471 plus or minus 372
- County holding the largest share of its areaMadison County, 100.0 percent
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
- Population914 plus or minus 231
- Median age36.2
- Population under 18202 plus or minus 65
- Share under 1822.1 percent
- Population 65 and over109 plus or minus 36
- Share 65 and over11.9 percent plus or minus 2.6
- Households348 plus or minus 82
- Family households218 plus or minus 61
- Share of households that are families62.6 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$82,841 plus or minus $16,900
- Per capita income$38,263
- Civilian labor force552 plus or minus 149
- Employed534 plus or minus 143
- Unemployed18 plus or minus 23
- Unemployment rate3.3 percent plus or minus 4.1
- Adults 25 and over600 plus or minus 148
- Adults 25 and over with a high school diploma or higher96.0 percent plus or minus 31.4
- Adults 25 and over with a bachelor degree or higher19.7 percent plus or minus 4.5
- Adults 25 and over with a graduate degree3.2 percent plus or minus 2.8
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
Housing in St. Charles
- Housing units363 plus or minus 83
- Occupied units348 plus or minus 82
- Vacant units15 plus or minus 15
- Vacancy rate4.1 percent plus or minus 4.0
- Owner occupied247 plus or minus 62
- Renter occupied101 plus or minus 50
- Ownership rate71.0 percent
- Median owner-occupied home value$221,300
- Median gross rent, monthly$855
- Annual rent as a share of median income12.4 percent plus or minus 2.8
- Single family units304 plus or minus 72
- Share single family83.7 percent
- Units in buildings of two or more55 plus or minus 39
- Share in buildings of two or more15.2 percent plus or minus 10.0
- Mobile homes4 plus or minus 7
- Median year structure built1976
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 commute453 plus or minus 127
- Commuting under 15 minutes42 plus or minus 26
- Share commuting under 15 minutes9.3 percent plus or minus 5.1
- Commuting 30 minutes or more307 plus or minus 98
- Share commuting 30 minutes or more67.8 percent
- Drove alone68.7 percent
- Carpooled17.3 percent plus or minus 9.6
- Public transport1.2 percent plus or minus 1.9
- Walked0.8 percent plus or minus 0.9
- Worked from home12.0 percent plus or minus 6.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
SBA loans in St. Charles (7(a))
- Approvals5
- Gross approval$754,700
- Average approval$150,940
- Median approval$150,000
- Largest approval$350,000
- Jobs supported36
- Jobs per approval7.2
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders5
- Distinct industries by NAICS3
Counted by borrower city: approvals to borrowers whose address is in St. Charles, in any county, FY2020 to FY2026. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Charles
Flood risk in St. Charles
- NFIP communityCity of St. Charles
- NFIP community number190802
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date06/21/17(M)
The City of St. Charles participates in the National Flood Insurance Program as community 190802 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Madison County, not St. Charles
Madison County context, not St. Charles figures
- Establishments in Madison County435
- Covered employment, Madison County4,235
- Average annual pay, Madison County$50,189
- Housing units permitted, Madison County123
Every figure in this section is published for Madison County as a whole and is not a measurement of St. Charles.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
St. Charles questions, answered from the record.
How many people live in St. Charles, Iowa?
914, in 348 households. St. Charles city covers 0.62 square miles of land, which is 1,471 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?
Madison County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. Charles?
$82,841. The median owner-occupied home is valued at $221,300. Median gross rent is $855 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?
5 7(a) approvals totaling $754,700 since FY2020, across 5 lenders, median approval $150,000. 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?
No rate is published for St. Charles. Only 0 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is St. Charles in the National Flood Insurance Program?
Yes. St. Charles appears in the FEMA Community Status Book as St. Charles, city of, community 190802, with no Community Rating System class, so no CRS discount applies. 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 labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Madison 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?
No. Nothing on this page presents parcel level zoning.
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