HomeMinnesotaWinona CountySt. Charles
St. Charles, Minnesota: commercial real estate data.
St. Charles is a Census city of 4,037 people across 3.81 square miles of land, in Winona County. Median household income is $96,200, 80.8 percent of occupied homes are owned, and the SBA record carries 4 7(a) approvals to borrowers here worth $5.5 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Charles
What St. Charles is
- Census place typecity
- Land area3.81 sq mi
- Water area0 sq mi
- Population per square mile of land1,060
- County holding the largest share of its areaWinona 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
- Population4,037
- Median age39.5
- Population under 18976
- Share under 1824.2 percent
- Population 65 and over560 plus or minus 120
- Share 65 and over13.9 percent plus or minus 3.0
- Households1,576
- Family households1,024
- Share of households that are families65.0 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$96,200
- Per capita income$50,533 plus or minus $15,838
- Civilian labor force2,341
- Employed2,341
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over2,751
- Adults 25 and over with a high school diploma or higher92.8 percent
- Adults 25 and over with a bachelor degree or higher33.3 percent plus or minus 7.5
- Adults 25 and over with a graduate degree7.5 percent plus or minus 2.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
Housing in St. Charles
- Housing units1,675
- Occupied units1,576
- Vacant units99 plus or minus 92
- Vacancy rate5.9 percent plus or minus 5.5
- Owner occupied1,273
- Renter occupied303 plus or minus 86
- Ownership rate80.8 percent
- Median owner-occupied home value$256,600
- Median gross rent, monthly$1,001
- Annual rent as a share of median income12.5 percent
- Single family units1,340
- Share single family80.0 percent
- Units in buildings of two or more324 plus or minus 133
- Share in buildings of two or more19.3 percent plus or minus 7.7
- Mobile homes11 plus or minus 17
- Median year structure built1975
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 commute1,910
- Commuting under 15 minutes334 plus or minus 98
- Share commuting under 15 minutes17.5 percent plus or minus 4.8
- Commuting 30 minutes or more792 plus or minus 174
- Share commuting 30 minutes or more41.5 percent
- Drove alone75.4 percent
- Carpooled5.2 percent plus or minus 2.6
- Public transport0.0 percent
- Walked2.1 percent plus or minus 1.5
- Worked from home17.3 percent plus or minus 5.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
SBA loans in St. Charles (7(a))
- Approvals4
- Gross approval$5,520,000
- Average approval$1,380,000
- Median approval$242,500
- Largest approval$5,000,000
- Jobs supported47
- Jobs per approval11.8
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term90 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises25.0 percent
- Distinct lenders3
- Distinct industries by NAICS4
Counted by borrower city: approvals to borrowers whose address is in St. Charles, in any county, FY2020 to FY2026. Only 3 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
SBA loans in St. Charles (504)
- Approvals4
- Gross approval$2,972,000
- Average approval$743,000
- Median approval$338,500
- Largest approval$2,208,000
- Jobs supported64
- Loans with a final outcome2
- Charged off1
- Median term240 months
- Distinct CDCs4
Counted by borrower city: approvals to borrowers whose address is in St. Charles, in any county, FY2010 to FY2026. Only 2 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Charles
Flood risk in St. Charles
- NFIP communityCity of St. Charles
- NFIP community number270531
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date04/15/82
The City of St. Charles participates in the National Flood Insurance Program as community 270531 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.
Winona County, not St. Charles
Winona County context, not St. Charles figures
- Establishments in Winona County1,145
- Covered employment, Winona County24,022
- Average annual pay, Winona County$52,828
- Housing units permitted, Winona County41
Every figure in this section is published for Winona 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, Minnesota?
4,037, in 1,576 households. St. Charles city covers 3.81 square miles of land, which is 1,060 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?
Winona 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?
$96,200. The median owner-occupied home is valued at $256,600. Median gross rent is $1,001 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?
4 7(a) approvals totaling $5.5 m since FY2020, across 3 lenders, median approval $242,500, plus 4 504 approvals worth $3.0 m since FY2010. 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 3 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 270531, 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 Winona 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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