HomeMissouriSt. Charles CountyLake St. Louis
Lake St. Louis, Missouri: commercial real estate data.
Lake St. Louis is a Census city of 18,066 people across 8.55 square miles of land, in St. Charles County. Median household income is $125,693, 75.6 percent of occupied homes are owned, and the SBA record carries 37 7(a) approvals to borrowers here worth $18.3 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Lake St. Louis
What Lake St. Louis is
- Census place typecity
- Land area8.55 sq mi
- Water area0.81 sq mi
- Population per square mile of land2,113
- County holding the largest share of its areaSt. Charles 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.
Lake St. Louis
How many people live in Lake St. Louis
- Population18,066
- Median age42.7
- Population under 183,624
- Share under 1820.1 percent
- Population 65 and over3,712
- Share 65 and over20.5 percent
- Households7,351
- Family households5,339
- Share of households that are families72.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake St. Louis
Income and work in Lake St. Louis
- Median household income$125,693
- Per capita income$62,954
- Civilian labor force10,014
- Employed9,539
- Unemployed475 plus or minus 170
- Unemployment rate4.7 percent plus or minus 1.7
- Adults 25 and over12,473
- Adults 25 and over with a high school diploma or higher97.0 percent
- Adults 25 and over with a bachelor degree or higher51.7 percent
- Adults 25 and over with a graduate degree17.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake St. Louis
Housing in Lake St. Louis
- Housing units7,657
- Occupied units7,351
- Vacant units306 plus or minus 181
- Vacancy rate4.0 percent plus or minus 2.4
- Owner occupied5,559
- Renter occupied1,792
- Ownership rate75.6 percent
- Median owner-occupied home value$405,900
- Median gross rent, monthly$1,588
- Annual rent as a share of median income15.2 percent
- Single family units5,953
- Share single family77.7 percent
- Units in buildings of two or more1,704 plus or minus 360
- Share in buildings of two or more22.3 percent plus or minus 4.6
- Mobile homes0
- Median year structure built2000
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake St. Louis
How Lake St. Louis gets to work
- Workers 16 and over who commute7,303
- Commuting under 15 minutes1,623 plus or minus 327
- Share commuting under 15 minutes22.2 percent
- Commuting 30 minutes or more2,442
- Share commuting 30 minutes or more33.4 percent
- Drove alone71.3 percent
- Carpooled6.1 percent plus or minus 2.0
- Public transport0.0 percent
- Walked0.5 percent plus or minus 0.5
- Worked from home21.9 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Lake St. Louis
SBA loans in Lake St. Louis (7(a))
- Approvals37
- Gross approval$18,337,900
- Average approval$495,619
- Median approval$196,000
- Ninetieth percentile approval$1,198,000
- Largest approval$5,000,000
- Jobs supported511
- Jobs per approval13.8
- Loans with a final outcome8
- Paid in full7
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more5.4 percent
- Share to franchises35.1 percent
- Distinct lenders20
- Distinct industries by NAICS30
Counted by borrower city: approvals to borrowers whose address is in Lake St. Louis, in any county, FY2020 to FY2026. Only 8 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.
Lake St. Louis
SBA loans in Lake St. Louis (504)
- Approvals9
- Gross approval$4,977,000
- Average approval$553,000
- Median approval$564,000
- Largest approval$883,000
- Jobs supported95
- Loans with a final outcome1
- Charged off0
- Median term240 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Lake St. Louis, in any county, FY2010 to FY2026. Only 1 loan has 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.
Lake St. Louis
Flood risk in Lake St. Louis
- NFIP communityCity of Lake St. Louis
- NFIP community number290868
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date01/20/16
The City of Lake St. Louis participates in the National Flood Insurance Program as community 290868 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.
St. Charles County, not Lake St. Louis
St. Charles County context, not Lake St. Louis figures
- Establishments in St. Charles County8,946
- Covered employment, St. Charles County162,611
- Average annual pay, St. Charles County$60,105
- Housing units permitted, St. Charles County2,040
Every figure in this section is published for St. Charles County as a whole and is not a measurement of Lake St. Louis.
All St. Charles County figures →
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
Lake St. Louis questions, answered from the record.
How many people live in Lake St. Louis, Missouri?
18,066, in 7,351 households. Lake St. Louis city covers 8.55 square miles of land, which is 2,113 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Lake St. Louis in?
St. Charles 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 Lake St. Louis?
$125,693. The median owner-occupied home is valued at $405,900. Median gross rent is $1,588 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Lake St. Louis businesses?
37 7(a) approvals totaling $18.3 m since FY2020, across 20 lenders, median approval $196,000, plus 9 504 approvals worth $5.0 m since FY2010. These count approvals to borrowers whose address is in Lake St. Louis, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Lake St. Louis borrowers get paid back?
No rate is published for Lake St. Louis. Only 8 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 Lake St. Louis in the National Flood Insurance Program?
Yes. Lake St. Louis appears in the FEMA Community Status Book as Lake St. Louis, city of, community 290868, 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 Lake St. Louis figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for St. Charles 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 Lake St. Louis.
Is zoning published for Lake St. Louis?
No. Nothing on this page presents parcel level zoning.