Saint Charles County, Missouri home prices
Typical home $372,123 · +2.2% in a year · property tax 1.08%
The typical home in Saint Charles County is worth $372,123, 40% more than the Missouri typical home ($265,387). Values changed +2.2% in the past year and +23.2% over five years. Homeowners here pay a median 1.08% of their home's value in property tax each year ($4,037 on the typical home), versus 0.79% statewide.
Mortgage on the typical Saint Charles County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $74,425 | $297,699 | $2,003 | $0 | $522 | $2,525 | $108,200 |
| 10% down | $37,212 | $334,911 | $2,253 | $140 | $522 | $2,915 | $124,900 |
| 5% down | $18,606 | $353,517 | $2,378 | $147 | $522 | $3,048 | $130,600 |
| 3.5% down (FHA) | $13,024 | $365,383 | $2,458 | $165 | $522 | $3,145 | $134,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.08% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Missouri · part of the St. Louis metro area.
Missouri counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Platte County | $389,181 | +2.2% | 1.05% |
| Cass County | $341,122 | +4.1% | 0.86% |
| Warren County | $336,425 | +2.2% | 0.69% |
| Boone County | $328,757 | +2.5% | 0.85% |
| Stone County | $327,095 | +3.9% | 0.47% |
| Camden County | $323,721 | -3.6% | 0.47% |
| Christian County | $318,549 | +2.6% | 0.7% |
| Clay County | $318,510 | +2.4% | 1.07% |
| Lincoln County | $316,603 | +5.4% | 0.74% |
| Clinton County | $292,081 | +5.5% | 0.81% |
Frequently asked questions
What is the average home price in Saint Charles County, MO?
The typical home value in Saint Charles County is $372,123 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Charles County?
About $108,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Charles County?
The median effective rate is 1.08% of home value a year (Census ACS 2024 5-year estimates).