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St. Charles County, Missouri Demographics 2026

St. Charles County, Missouri has a population of 414,535, the 3rd most populous county in Missouri. The median household income is $104,692 and the median home value is $320,800. The poverty rate is 5.2%.

Data vintage: U.S. Census Bureau ACS 2020–2024 5-Year Estimates · refreshed July 2026 · Methodology & source notes

St. Charles County Quick Facts

Population 414,535
Median Household Income $104,692
Median Home Value $320,800
Poverty Rate 5.2%
Unemployment Rate 2.9%
Median Age 39.8 years
Homeownership Rate 80.5%
Affordability Ratio 3.1x
Bachelor's Degree+ 42.7%
High School Graduation 95.7%
Cities/Places 18
Population 414,535 3rd of 115
Median Income $104,692 48% higher than state
Poverty Rate 5.2%
Unemployment 2.9%

How St. Charles County Changed

Change from the 2019–2023 ACS period to 2020–2024. These are rolling five-year estimates, not year-over-year measurements.

Metric2019–20232020–2024Change
Population409,830414,535+1.1%
Median household income$102,912$104,692+1.7%
Median home value$296,800$320,800+8.1%

Economy & Housing

Household Income Distribution

Under $25K 7.2%
$25K-$50K 12.7%
$50K-$100K 27.4%
$100K+ 52.7%
Detailed income brackets
Under $10K
2.6%
$10K-$15K
1.5%
$15K-$20K
1.4%
$20K-$25K
1.7%
$25K-$30K
2.0%
$30K-$35K
2.2%
$35K-$40K
2.5%
$40K-$45K
2.9%
$45K-$50K
3.1%
$50K-$60K
6.1%
$60K-$75K
8.8%
$75K-$100K
12.5%
$100K-$125K
12.0%
$125K-$150K
10.5%
$150K-$200K
14.3%
$200K+
15.9%

Employment

2.9% Unemployment Rate State: 4.0%|National: 5.2%
69.4% Labor Force Participation

Housing Overview

Owner 80.5%
Renter 19.5%
Affordability Index Affordable
3.1x home value to income ratio
Median gross rent $1,370/mo 15.7% of median household income annually

People & Demographics

Diversity Index

30out of 100
Low Diversity

A less diverse community where one racial or ethnic group represents a large majority.

State average: 40 | National average: 61

Education

Cities & Places in St. Charles County

CityPopulationMedian IncomePovertyHome Value
O'Fallon93,801$110,4435.4%$326,200
St. Charles71,508$85,9377.3%$298,700
St. Peters59,092$91,6375.7%$269,900
Wentzville47,061$112,3945.4%$331,300
Lake St. Louis18,066$125,6934.3%$405,900
Dardenne Prairie13,503$152,5001.3%$432,000
Cottleville5,937$131,3102.0%$435,400
Weldon Spring5,310$158,5480.7%$544,300
St. Paul3,456$159,0220.5%$443,600
Foristell1,096$116,5811.7%$431,700
Josephville664$107,70818.1%$494,600
Flint Hill583$130,2083.1%$475,500
West Alton467$111,5001.7%$153,100
New Melle452$114,3754.4%$397,800
Portage Des Sioux340$62,18812.7%$173,000
Augusta285$103,7502.1%$362,500
Weldon Spring Heights121$143,7501.7%$447,500
Defiance63N/A0.0%$512,500

Population Overview

St. Charles County is located in Missouri with a total population of 414,535. It is the 3rd most populous county out of 115 in Missouri. The county encompasses 18 Census-designated places.

Age Demographics

The median age in St. Charles County is 39.8 years. This is 2% higher than the state median of 39.0 years.

Economy, Income & Housing

The median household income in St. Charles County is $104,692. This is 48% higher than the state median of $70,702. It is also 30% higher than the national median of $80,734. The poverty rate stands at 5.2%. This is 59% lower than the state poverty rate of 12.6%. The unemployment rate is 2.9%. This is 27% lower than the state rate of 4.0%. The median home value is $320,800. Housing costs are 39% higher than the state median of $230,300. The home-value-to-income ratio is 3.1x. 80.5% of occupied housing units are owner-occupied. This homeownership rate is 18% higher than the state average of 68.1%.

Race & Ethnicity

The largest racial or ethnic group in St. Charles County is White (non-Hispanic), making up 83.0% of the population. Black or African American residents account for 5.0%. The Black or African American population (5.0%) is well below the state average of 10.9%.

Education

42.7% of residents aged 25 and older hold a bachelor's degree or higher. This places St. Charles County in the top 10% of all counties in the state for educational attainment. This is 32% higher than the state rate of 32.4%. Nationally, 35.7% of adults hold at least a bachelor's degree. The high school graduation rate (or equivalent) is 95.7%. Notably, 15.8% of adults hold a graduate or professional degree, indicating a highly educated workforce.

Data Sources & Methodology

All figures for St. Charles County come from the U.S. Census Bureau's American Community Survey (ACS) 2020–2024 5-Year Estimates, with comparisons drawn against Missouri and national averages from the same dataset. See our methodology page for how each metric is defined, or data.census.gov for official tables with margins of error.

Frequently Asked Questions

What is the population of St. Charles County, Missouri?

St. Charles County has a population of 414,535, making it the 3rd most populous county in Missouri.

What is the median income in St. Charles County?

The median household income in St. Charles County is $104,692 with a poverty rate of 5.2%.

How many cities are in St. Charles County, Missouri?

St. Charles County contains 18 Census-designated places.