HomeMissouriSt. Charles CountySt. Charles
St. Charles, Missouri: commercial real estate data.
St. Charles 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 since FY2020.
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$262,950
- Ninetieth percentile approval$1,369,300
- Largest approval$5,000,000
- Jobs supported1,348
- Jobs per approval12.0
- Loans with a final outcome26
- Paid in full23
- Charged off3
- 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
Counted by borrower city: approvals to borrowers whose address is in St. Charles, in any county, FY2020 to FY2026. Only 26 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)
- 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
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in St. Charles, in any county, FY2010 to FY2026. Only 19 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 number290318
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date03/09/21
The City of St. Charles participates in the National Flood Insurance Program as community 290318 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 St. Charles
St. Charles County context, not St. Charles 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 St. Charles.
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
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 totaling $69.6 m since FY2020, across 43 lenders, median approval $262,950, plus 63 504 approvals worth $46.3 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 26 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 290318, 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 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?
No. Nothing on this page presents parcel level zoning.