HomeMichiganSaginaw CountySt. Charles
St. Charles, Michigan: commercial real estate data.
St. Charles is a Census village of 1,934 people across 2.09 square miles of land, in Saginaw County. Median household income is $50,000, 69.2 percent of occupied homes are owned, and the SBA record carries 12 7(a) approvals to borrowers here worth $1.0 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Charles
What St. Charles is
- Census place typevillage
- Land area2.09 sq mi
- Water area0.08 sq mi
- Population per square mile of land924
- County holding the largest share of its areaSaginaw 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
- Population1,934
- Median age46.6
- Population under 18320 plus or minus 114
- Share under 1816.5 percent plus or minus 5.4
- Population 65 and over441 plus or minus 95
- Share 65 and over22.8 percent
- Households858
- Family households575
- 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$50,000 plus or minus $11,127
- Per capita income$30,292
- Civilian labor force894
- Employed843
- Unemployed51 plus or minus 32
- Unemployment rate5.7 percent plus or minus 3.4
- Adults 25 and over1,467
- Adults 25 and over with a high school diploma or higher93.3 percent
- Adults 25 and over with a bachelor degree or higher18.3 percent plus or minus 6.7
- Adults 25 and over with a graduate degree7.6 percent plus or minus 5.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
Housing in St. Charles
- Housing units918
- Occupied units858
- Vacant units60 plus or minus 40
- Vacancy rate6.5 percent plus or minus 4.3
- Owner occupied594
- Renter occupied264 plus or minus 76
- Ownership rate69.2 percent
- Median owner-occupied home value$118,500
- Median gross rent, monthly$460 plus or minus $188
- Annual rent as a share of median income11.0 percent plus or minus 5.1
- Single family units719
- Share single family78.3 percent
- Units in buildings of two or more189 plus or minus 83
- Share in buildings of two or more20.6 percent plus or minus 8.7
- Mobile homes10 plus or minus 13
- Median year structure built1964
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 commute748 plus or minus 154
- Commuting under 15 minutes188 plus or minus 78
- Share commuting under 15 minutes25.1 percent plus or minus 9.0
- Commuting 30 minutes or more379 plus or minus 103
- Share commuting 30 minutes or more50.7 percent
- Drove alone76.6 percent
- Carpooled6.1 percent plus or minus 4.5
- Public transport0.0 percent
- Walked3.8 percent plus or minus 3.5
- Worked from home10.4 percent plus or minus 4.6
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
SBA loans in St. Charles (7(a))
- Approvals12
- Gross approval$1,046,800
- Average approval$87,233
- Median approval$50,000
- Largest approval$552,100
- Jobs supported43
- Jobs per approval3.6
- Loans with a final outcome4
- Paid in full4
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.3 percent
- Share to franchises0.0 percent
- Distinct lenders3
- Distinct industries by NAICS8
Counted by borrower city: approvals to borrowers whose address is in St. Charles, in any county, FY2020 to FY2026. Only 4 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 communityVillage of St. Charles
- NFIP community number260593
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date08/15/23
The Village of St. Charles participates in the National Flood Insurance Program as community 260593 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.
Saginaw County, not St. Charles
Saginaw County context, not St. Charles figures
- Establishments in Saginaw County4,092
- Covered employment, Saginaw County79,478
- Average annual pay, Saginaw County$58,049
- Housing units permitted, Saginaw County141
Every figure in this section is published for Saginaw 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, Michigan?
1,934, in 858 households. St. Charles village covers 2.09 square miles of land, which is 924 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?
Saginaw 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?
$50,000. The median owner-occupied home is valued at $118,500. Median gross rent is $460 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?
12 7(a) approvals totaling $1.0 m since FY2020, across 3 lenders, median approval $50,000. 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 4 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, village of, community 260593, 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 Saginaw 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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