Saint Charles, MO housing market
Typical home value
$345K
▲ 2.4% 1 yr
Typical rent
$1,485/mo
▲ 3.3% 1 yr
Gross rent yield
5.2%
U.S. 6.3%
5-year home value change
+23%
U.S. +20%
Key takeaways
- 1The typical home in Saint Charles is worth $345,233, up 2.4% over the past year and up 23% over five years.
- 2Typical rent is $1,485 a month (+3.3% YoY), a gross rent yield of 5.2% (below the St. Louis, MO metro's 6.3%).
- 3With 20% down at 7.32%, principal and interest on the typical home is about $1,897/mo, $412 more than typical rent.
- 4Zillow forecasts the St. Louis, MO metro's home values to change +2.6% over the next 12 months.
Market temperature (St. Louis, MO metro)
Neutral market
Buyer'sNeutralSeller's
Zillow Market Heat Index: 50/100, #133 hottest of 546 metros. Below 44 favors buyers; above 55 favors sellers.
Home values and rent
Source: Zillow Research (ZHVI, ZORI and market activity data).
How Saint Charles compares
| Measure | Saint Charles | St. Louis, MO metro | United States |
|---|---|---|---|
| Typical home value | $345,233 | $273,164 | $366,157 |
| Home value, 1-yr change | +2.4% | +3.3% | +1.2% |
| Typical rent | $1,485 | $1,427 | $1,932 |
| Rent, 1-yr change | +3.3% | +4.1% | +2.7% |
| Gross rent yield | 5.2% | 6.3% | 6.3% |
| Price-to-rent ratio | 19.4 | 16.0 | 15.8 |
| Mortgage P&I, typical home | $1,897 | $1,501 | $2,012 |
Run the numbers
Rental property calculator
Cash flow on a typical Saint Charles rental, pre-filled.
Rent vs buy in Saint Charles
Which costs less over the years you'll stay.
Mortgage calculator
Monthly payment on a $345K home.
Other cities in the St. Louis, MO metro
Saint Louis, MO
$181K home$1,292 rent
▼ 0.2% 1 yr
Florissant, MO
$195K home$1,656 rent
▲ 2.2% 1 yr
O Fallon, MO
$378K home$1,831 rent
▲ 1.9% 1 yr
Saint Peters, MO
$321K home$1,687 rent
▲ 3.8% 1 yr
Ballwin, MO
$411K home$1,741 rent
▲ 2.3% 1 yr
Belleville, IL
$159K home$1,120 rent
▲ 0.9% 1 yr
Wentzville, MO
$402K home$1,854 rent
▲ 1.7% 1 yr
Chesterfield, MO
$571K home$1,680 rent
▲ 3.5% 1 yr
City figures are Zillow's typical home value (ZHVI) and observed rent (ZORI). Gross yield is before expenses. Data refreshed Oct 26, 2026.