2026 Affordability Data
Most Affordable Neighborhoods in St. Charles - 2026 Data
The median home value in St. Charles is $259,700, 8% below nat'l avg. Median rent is $821/month. With an affordability index of 152, St. Charles is more affordable than the national baseline of 100. We ranked 15 neighborhoods by affordability to help you find the best value in the St. Charles, MO area.
Key Takeaways: Affordability in St. Charles
- 1The most affordable neighborhood in St. Charles is Ladue, with a median home value of $938,300.
- 2St. Charles's median home value is $259,700, 8% below nat'l avg (national: $281,900).
- 3St. Charles's affordability index is 152 (baseline 100), making it more affordable than the national average.
- 4Median rent in St. Charles is $821/month, 29% below nat'l avg (national: $1,163/month).
- 5We analyzed 15 neighborhoods in St. Charles to find the most affordable areas based on home values, rent, and affordability index.
St. Charles Affordability Overview
Median Home Value
$259,700
8% below nat'l avg
Median Rent
$821/mo
29% below nat'l avg
Median Income
$83,589
12% above nat'l avg
Affordability Index
152
52% above nat'l avg
Most Affordable Neighborhoods in St. Charles (Ranked)
| Rank | Neighborhood | Median Home Value |
|---|---|---|
| 1 | LadueMO | $938,300 |
| 2 | Pleasant HillMO | $227,000 |
| 3 | ChesterfieldMO | $437,000 |
| 4 | BransonMO | $201,900 |
| 5 | St. PetersMO | $237,100 |
| 6 | FlorissantMO | $125,200 |
| 7 | MoberlyMO | $129,500 |
| 8 | WashingtonMO | $195,500 |
| 9 | JenningsMO | $64,000 |
| 10 | NeoshoMO | $135,300 |
| 11 | UnionMO | $184,800 |
| 12 | West PlainsMO | $137,700 |
| 13 | EurekaMO | $331,200 |
| 14 | IndependenceMO | $150,800 |
| 15 | O'FallonMO | $283,600 |
Detailed Neighborhood Profiles
Home Value: $938,300
Rent: $549/mo
Affordability: 165
Population: 8,934
Walk Score: 0/100
Home Value: $227,000
Rent: $549/mo
Affordability: 165
Population: 8,822
Walk Score: 0/100
Home Value: $437,000
Rent: $821/mo
Affordability: 152
Population: 49,645
Walk Score: 0/100
4
Home Value: $201,900
Rent: $821/mo
Affordability: 152
Population: 12,651
Walk Score: 0/100
5
Home Value: $237,100
Rent: $821/mo
Affordability: 152
Population: 57,692
Walk Score: 0/100
6
Home Value: $125,200
Rent: $821/mo
Affordability: 152
Population: 52,167
Walk Score: 0/100
7
Home Value: $129,500
Rent: $821/mo
Affordability: 152
Population: 13,708
Walk Score: 0/100
8
Home Value: $195,500
Rent: $821/mo
Affordability: 152
Population: 14,769
Walk Score: 0/100
9
Home Value: $64,000
Rent: $821/mo
Affordability: 152
Population: 12,996
Walk Score: 0/100
10
Home Value: $135,300
Rent: $821/mo
Affordability: 152
Population: 12,670
Walk Score: 0/100
11
Home Value: $184,800
Rent: $821/mo
Affordability: 152
Population: 12,341
Walk Score: 0/100
12
Home Value: $137,700
Rent: $821/mo
Affordability: 152
Population: 12,250
Walk Score: 0/100
13
Home Value: $331,200
Rent: $821/mo
Affordability: 152
Population: 12,008
Walk Score: 0/100
14
Home Value: $150,800
Rent: $821/mo
Affordability: 152
Population: 122,218
Walk Score: 0/100
15
Home Value: $283,600
Rent: $821/mo
Affordability: 152
Population: 91,825
Walk Score: 0/100
Frequently Asked Questions About Affordability in St. Charles
What is the most affordable neighborhood in St. Charles, MO?▾
Based on 2026 data, Ladue is the most affordable neighborhood in St. Charles with a median home value of $938,300. Kurby analyzed 15 neighborhoods in the St. Charles area to compile these rankings.
What is the median home price in St. Charles, MO?▾
The median home price in St. Charles is $259,700, which is 8% below nat'l avg. The national median home value is $281,900 (Source: Kurby, 2026).
Is St. Charles affordable compared to the national average?▾
St. Charles has an affordability index of 152, which means housing is more affordable than the national baseline of 100. An index above 100 indicates that a median-income household can afford a median-priced home in the area.
What is the average rent in St. Charles, MO?▾
The median monthly rent in St. Charles is $821. This is 29% below nat'l avg. The national median rent is $1,163/month (Source: Kurby, 2026).
What is the median household income in St. Charles?▾
The median household income in St. Charles is $83,589 compared to the national median of $74,580. This metric is important for understanding housing affordability in relation to local earning power (Source: Kurby, 2026).
How many neighborhoods in St. Charles are below the national average home price?▾
11 out of 15 ranked neighborhoods in St. Charles have a median home value below the national average of $281,900. The most affordable is Pleasant Hill at $227,000 (Source: Kurby, 2026).