HomeMissouriSt. Charles CountySt. Charles city
St. Charles city, Missouri: commercial real estate data.
St. Charles city is a Census city of 71,508 people across 25.21 square miles of land, in St. Charles County. Median household income is $85,937, 68.0 percent of occupied homes are owned, and the SBA record carries 112 7(a) approvals to borrowers here worth $69.6 m.
78 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 area25.21 sq mi
- Water area0.5 sq mi
- Population per square mile of land2,836
- 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.
St. Charles
How many people live in St. Charles
- Population71,508
- Median age38.6
- Population under 1812,642
- Share under 1817.7 percent
- Population 65 and over13,051
- Share 65 and over18.3 percent
- Households30,362
- Family households17,746
- Share of households that are families58.4 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$85,937
- Per capita income$49,608
- Civilian labor force38,983
- Employed37,848
- Unemployed1,135 plus or minus 339
- Unemployment rate2.9 percent plus or minus 0.9
- Adults 25 and over49,775
- Adults 25 and over with a high school diploma or higher94.9 percent
- Adults 25 and over with a bachelor degree or higher43.3 percent
- Adults 25 and over with a graduate degree17.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
Housing in St. Charles
- Housing units32,305
- Occupied units30,362
- Vacant units1,943
- Vacancy rate6.0 percent
- Owner occupied20,634
- Renter occupied9,728
- Ownership rate68.0 percent
- Median owner-occupied home value$298,700
- Median gross rent, monthly$1,251
- Annual rent as a share of median income17.5 percent
- Single family units21,571
- Share single family66.8 percent
- Units in buildings of two or more9,041
- Share in buildings of two or more28.0 percent
- Mobile homes1,674
- Median year structure built1986
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 commute30,549
- Commuting under 15 minutes7,840
- Share commuting under 15 minutes25.7 percent
- Commuting 30 minutes or more8,395
- Share commuting 30 minutes or more27.5 percent
- Drove alone73.8 percent
- Carpooled5.4 percent plus or minus 1.2
- Public transport0.2 percent plus or minus 0.2
- Walked1.5 percent plus or minus 0.5
- Worked from home18.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Charles
SBA loans in St. Charles (7(a))
- Approvals112
- Gross approval$69,588,700
- Average approval$621,328
- Median approval$268,900
- Ninetieth percentile approval$1,373,000
- Largest approval$5,000,000
- Jobs supported1,348
- Jobs per approval12.0
- Loans with a final outcome26
- Paid in full23
- Charged off3
- Charge-off rate over resolved loans11.5 percent
- Median term120 months
- Share on real estate terms of 20 years or more14.3 percent
- Share to franchises22.3 percent
- Distinct lenders43
- Distinct industries by NAICS70
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)
- Approvals63
- Gross approval$46,333,000
- Average approval$735,444
- Median approval$388,000
- Largest approval$4,702,000
- Jobs supported862
- Loans with a final outcome19
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs5
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Charles County, not St. Charles
St. Charles County context, not St. Charles figures
These are St. Charles 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 St. Charles County8,946
- Employment at those establishments, St. Charles County143,624
- Covered employment, St. Charles County162,611
- Average annual pay, St. Charles County$60,105
- Average weekly wage, St. Charles County$1,156
- Housing units permitted, St. Charles County2,040
- Of those, single family, St. Charles County1,420
- County product, 2024, St. Charles County$26,418,953,000
- County product change over the prior year, St. Charles County5.8 percent
- Average income of an arriving household, St. Charles County$77,444
Every figure in this section is published for St. Charles 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, Missouri?
71,508, in 30,362 households. St. Charles city covers 25.21 square miles of land, which is 2,836 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?
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 St. Charles?
$85,937. The median owner-occupied home is valued at $298,700. Median gross rent is $1,251 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?
112 7(a) approvals totalling $69.6 m, across 43 lenders, median approval $268,900, plus 63 504 approvals worth $46.3 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?
Of the 26 loans that have reached a final outcome, 23 were paid in full and 3 charged off, a charge off rate of 11.5 percent. Loans still running are excluded because they have not yet succeeded or failed.
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 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 St. Charles.
Is zoning published for St. Charles?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.