HomeMinnesotaWinona CountySt. Charles city
St. Charles city, Minnesota: commercial real estate data.
St. Charles city 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.
76 sourced place values · tier FULL · 8 sections · 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$450,000
- Ninetieth percentile approval$5,000,000
- Largest approval$5,000,000
- Jobs supported47
- Jobs per approval11.8
- Loans with a final outcome3
- Paid in full3
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises25.0 percent
- Distinct lenders3
- Distinct industries by NAICS4
A charge-off rate is not published here. only 3 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
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$392,000
- Largest approval$2,208,000
- Jobs supported64
- Loans with a final outcome2
- Charged off1
- Median term240 months
- Distinct CDCs4
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Winona County, not St. Charles
Winona County context, not St. Charles figures
These are Winona 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 Winona County1,145
- Employment at those establishments, Winona County23,937
- Covered employment, Winona County24,022
- Average annual pay, Winona County$52,828
- Average weekly wage, Winona County$1,016
- Housing units permitted, Winona County41
- Of those, single family, Winona County32
- County product, 2024, Winona County$2,963,516,000
- County product change over the prior year, Winona County6.0 percent
- Average income of an arriving household, Winona County$52,803
Every figure in this section is published for Winona 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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, 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 totalling $5.5 m, across 3 lenders, median approval $450,000, plus 4 504 approvals worth $3.0 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?
No rate is published for St. Charles. only 3 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
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 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
Nearby