St. Charles County, MO at a glance
Median household income
$104,692$8,724 per month · U.S. Census Bureau ACS 5-YearHow much rent can you afford in St. Charles County, MO?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
How much is rent in St. Charles County, MO? By bedroom, 2026
HUD's fiscal 2026 Fair Market Rents for St. Louis, MO-IL HUD Metro FMR Area, with the income each one takes if rent stays under 30% of it.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $955 | $11,460 | $38,200 | 10.9% |
| 1-Bedroom Apartment | $995 | $11,940 | $39,800 | 11.4% |
| 2-Bedroom ApartmentBenchmark | $1,218 | $14,616 | $48,720 | 14% |
| 3-Bedroom Home | $1,568 | $18,816 | $62,720 | 18% |
| 4-Bedroom Home | $1,812 | $21,744 | $72,480 | 20.8% |
Rent in St. Charles County, MO, with the wage each unit needs →
What a typical income covers in St. Charles County, MO
The 50/30/20 rule applied to the local median of $104,692 a year ($8,724 a month before tax).
What $104,692 leaves after Missouri taxes
Federal income tax, Social Security, Medicare and Missouri tax on the local median income. Change the salary to see yours.
Rent, jobs and pay in Missouri
Living in St. Charles County, MO: common questions
What is the median household income in St. Charles County, MO?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in St. Charles County, MO is $104,692 per year (approximately $8,724 per month).
What is the average rent in St. Charles County, MO?
The closest official figure is HUD's Fair Market Rent for 2026: $955 for a studio, $995 for one bedroom, $1,218 for two, $1,568 for three and $1,812 for four, utilities included.
It is not an average of listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so a new lease on a nicer place will usually cost more.
Is St. Charles County, MO expensive to live in?
Prices there run 4.9% below the U.S. average. BEA's regional price parity for the metro area is 95.1, where the U.S. is 100. Rent moves the number most: housing is where places differ, while goods cost about the same everywhere.
How much do you need to earn to comfortably afford rent in St. Charles County, MO?
To keep a $1,218 two-bedroom under 30% of gross income, a household needs about $48,720 a year, or $4,060 a month. That is 47% of what the typical household in St. Charles County, MO earns.
How much do you need to live comfortably in St. Charles County, MO?
On the local median income of $104,692 ($8,724 a month before tax), the 50/30/20 rule leaves $4,362 a month for needs like rent, utilities and groceries, $2,617 for everything else and $1,745 for savings or debt. A two-bedroom at $1,218 takes 28% of the needs share.
How much is the electric bill in St. Charles County, MO?
Homes in Missouri paid 16.2¢ per kWh on average (EIA). At 900 kWh a month, a typical use, that is about $146. Your bill depends mostly on heating and cooling.