HomeMissouriSt. Charles County
St. Charles County, Missouri: commercial real estate data.
St. Charles County, Missouri has a population of 414,535 across 560 square miles, up 4.6 percent since the 2020 census base. County output reached $26.42 bn in 2024, 8,946 establishments operate here, and the SBA record carries 421 7(a) approvals worth $216.8 m.
122 sourced county values · tier FULL · 11 sections
St. Charles County
How many people live in St. Charles County
- Population414,535
- Households161,311
- Average household size2.57
- Median household income$104,692
- Median age39.8
- Median gross rent$1,370 per month
- Median owner-occupied home value$320,800
- Home value to household income3.1 times
- Annual rent as a share of median income15.7 percent
- Adults 25 and over with a bachelor degree or higher42.7 percent
- Adults 25 and over with a graduate degree15.8 percent
- Adults 25 and over287,433
- Population under 1893,380
- Share under 1822.5 percent
- Population 65 and over70,408
- Share 65 and over17.0 percent
- Working age population, 18 to 64250,747
- Civilian labor force230,817
- Unemployment rate2.9 percent
- Labor force participation, adults 18 and over71.9 percent
- Rank by population among Missouri counties3rd of 115
- Rank by population among US county-equivalents178th
St. Charles County is the 3rd largest of 115 Missouri counties by population. A median home costs 3.1 times median household income, which is an affordable ownership market by national standards. Residents under 18 outnumber those 65 and over, at 22.5 percent against 17.0 percent, a household formation profile rather than a retirement one.
US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
St. Charles County
Is St. Charles County growing
- Population change since the 2020 census base4.56 percent
- Census 2020 base population405,265
- Births, 20243,889
- Deaths, 20243,190
- Natural change, 2024699
- Net domestic migration, 20243,002
- Net international migration, 20242,068
- Total net migration, 20245,070
- Cumulative net domestic migration, 2021 to 202410,405
- Rank by growth among US county-equivalents604th
The county has grown 4.56 percent since the 2020 census base. Migration contributed more to 2024 change than births over deaths, so demand here follows people arriving rather than families forming.
US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
St. Charles County
Where people moving to St. Charles County come from
- Tax returns filed by households arriving10,941
- People arriving, from those returns19,336
- Adjusted gross income arriving$847.3 m
- Net adjusted gross income movement$0
- Average income of an arriving household$77,444
- Largest single originSt. Charles County Non-migrants (159,926 households)
- Largest single destination (159,926 households)
| Origin | Households | People | Adjusted gross income |
|---|---|---|---|
| St. Charles County Non-migrants | 159,926 | 333,963 | $16.46 bn |
| St. Louis County | 4,186 | 7,416 | $300.8 m |
| Other flows - Different State | 2,666 | 4,960 | $227.4 m |
| Other flows - South | 1,106 | 2,117 | $95.4 m |
| Other flows - Midwest | 847 | 1,466 | $66.1 m |
| St. Louis city | 611 | 959 | $44.4 m |
| Lincoln County | 583 | 1,041 | $34.7 m |
| Other flows - West | 499 | 962 | $45.7 m |
The largest single source of arrivals is St. Charles County Non-migrants, which is the catchment a retail or multifamily study should look at first.
US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
St. Charles County
What the St. Charles County economy runs on
- County GDP, 2024$26.42 bn
- County GDP, 2023$24.97 bn
- GDP change, 2023 to 20245.8 percent
- GDP change over five years39.6 percent
- Rank by GDP among Missouri counties4th
- Rank by GDP among US county-equivalents213th
- GDP per resident$63,732
Output grew 5.8 percent in the latest year and 39.6 percent over five, which is the trend line a lender will read behind any single year figure.
US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024.
St. Charles County
Who employs people in St. Charles County
- Covered employment, annual average162,611
- Establishments reporting10,945
- Average annual pay$60,105
- Average weekly wage$1,156
- Sector 44-45, employment20,539
- Sector 44-45, average annual pay$38,151
- Sector 62, employment20,322
- Sector 62, average annual pay$55,906
- Sector 72, employment19,870
- Sector 72, average annual pay$25,112
- Sector 31-33, employment16,676
- Sector 31-33, average annual pay$85,531
- Sector 48-49, employment10,035
- Sector 23, employment9,696
| Sector | Employment | Establishments | Average annual pay |
|---|---|---|---|
| Sector 44-45 | 20,539 | 1,126 | $38,151 |
| Sector 62 | 20,322 | 2,436 | $55,906 |
| Sector 72 | 19,870 | 857 | $25,112 |
| Sector 31-33 | 16,676 | 288 | $85,531 |
| Sector 48-49 | 10,035 | 263 | $53,572 |
| Sector 23 | 9,696 | 1,068 | $77,602 |
| Sector 56 | 8,405 | 634 | $44,984 |
| Sector 52 | 6,887 | 650 | $84,270 |
The largest sector is the biggest private employer group at 20,539 jobs, 12.6 percent of covered employment. Average pay per job sits below median household income, so households here typically need more than one earner.
US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
St. Charles County
What businesses operate in St. Charles County
- Establishments, all industries8,946
- Employment at those establishments143,624
- Annual payroll$8.12 bn
- Establishments per 1,000 residents21.6
These are counts of establishments physically operating in the county, not listings, so they are the supply side a feasibility study measures demand against.
US Census Bureau, County Business Patterns, 2023.
St. Charles County
What is being built in St. Charles County
- Housing units authorised by permit, 20242,040
- Declared construction value permitted$601.9 m
- Single family units authorised1,420
- Multifamily units authorised620
- Multifamily share of units30.4 percent
- Average declared value per unit$295,064
- Units authorised per 1,000 households12.6
Multifamily is 30.4 percent of units authorised, so the pipeline is predominantly for sale product.
US Census Bureau, Building Permits Survey, 2024 annual.
St. Charles County
How much SBA lending happens in St. Charles County
- 7(a) approvals recorded421
- 7(a) gross approval dollars$216.8 m
- Average 7(a) approval$515,007
- Median 7(a) approval$219,000
- 10th percentile approval$32,500
- 90th percentile approval$1,224,900
- Largest single approval$5,000,000
- Jobs reported supported, 7(a)5,259
- Jobs per approval12.5
- Distinct 7(a) lenders active89
- Distinct industries receiving approvals155
- Median 7(a) term120 months
- Share of loans on real estate terms, 240 months or longer13.1 percent
- Loans on real estate terms55
- Loans on working capital terms, 120 months or shorter317
- Franchise loans108
- Franchise share of approvals25.7 percent
- Leading industry by approval countFull-Service Restaurants (22)
- Most active lenderU.S. Bank, National Association (55)
- 504 approvals recorded211
- 504 gross approval dollars$143.4 m
- Average 504 approval$679,853
- Median 504 approval$424,000
- Distinct CDCs active6
- 504 jobs per approval11.8
- 504 jobs per million dollars approved17.3
- Most active CDCSt. Charles County Economic Development Council (156)
- 7(a) share of SBA approvals66.6 percent
- Combined SBA approval dollars$360.3 m
The average approval of $515,007 sits well above the median of $219,000, so a small number of large deals is pulling the mean up. The median is the better guide to what a typical borrower here actually gets. Only 13.1 percent of approvals run on real estate terms, so SBA credit here is mostly working capital and equipment rather than property acquisition.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30. US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Charles County
Do SBA loans in St. Charles County get paid back
- Loans with a final outcome recorded89
- Paid in full78
- Charged off11
- Charge off rate on resolved loans12.4 percent
- Status: Charged off11
- Status: Cancelled50
- Status: Paid in full78
- Status: Exempt from disclosure261
- Status: Committed, not yet disbursed21
Of the 89 loans that have reached a final outcome, 12.4 percent were charged off. This is computed only over resolved loans, because a loan still running has not yet succeeded or failed and counting it either way would be wrong.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Charles County
Which parts of St. Charles County get the lending
- Places in the county with recorded lending20
- SAINT CHARLES, approvals112
- SAINT PETERS, approvals94
- O FALLON, approvals86
- Wentzville, approvals52
- LAKE SAINT LOUIS, approvals32
- O'FALLON, approvals12
| Place | Approvals | Gross approval dollars |
|---|---|---|
| SAINT CHARLES | 112 | $69,588,700 |
| SAINT PETERS | 94 | $51,916,100 |
| O FALLON | 86 | $34,853,900 |
| Wentzville | 52 | $27,214,100 |
| LAKE SAINT LOUIS | 32 | $15,891,700 |
| O'FALLON | 12 | $3,413,300 |
| WELDON SPRING | 6 | $3,432,400 |
| Defiance | 5 | $1,310,900 |
SAINT CHARLES accounts for 112 approvals against 94 in SAINT PETERS. County level figures average over that gap, which is why a site decision is made at the submarket rather than the county.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Charles County
How big is St. Charles County
- Land area560 sq mi
- Rank by land area among Missouri counties65th of 115
- Width, east to west46.1 mi
- Height, north to south29.9 mi
- Geographies sharing a boundary4
- Residents per square mile of land740
- Establishments per square mile15.97
US Census Bureau county boundary geometry, TIGER, adjacency computed from shared boundary vertices, TIGER county boundaries. US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year. US Census Bureau, County Business Patterns, 2023.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- No NFIP communities are listed for this county in the FEMA Community Status Book.
- Flood zone record counts are not held. The flood coverage export has not landed, so no count is shown rather than an estimated one.
- Traffic counts resolve in the platform, not in this dataset, so no AADT figure is printed here.
- Zoning is in build. Parcel level zoning is not published on this page.
Feasibility studies
When a St. Charles County site needs a document a lender will accept.
The same data layer behind this page is the one the studies are written from. A study for a St. Charles County site starts with the figures you are reading, carrying the same source and period into the credit file.
- Population414,535
- Households161,311
- Average household size2.57
- Median household income$104,692
- Median age39.8
Common questions
St. Charles County questions, answered from the record.
How many people live in St. Charles County, Missouri?
414,535, in 161,311 households, ranking 3rd of 115 Missouri counties. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
Is St. Charles County growing?
The population has grown 4.56 percent since the 2020 census base. In 2024 there were 3,889 births against 3,190 deaths, with net migration of 5,070. Source: US Census Bureau, Population Estimates Program, Vintage 2024, Vintage 2024, estimates 2020 to 2024.
What is the median household income in St. Charles County?
$104,692. The median owner-occupied home is valued at $320,800, which is 3.1 times income, and median gross rent is $1,370 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, 2020-2024 5-year.
How many businesses are there in St. Charles County?
8,946 establishments, employing 143,624 people with an annual payroll of $8.12 bn. These are establishments physically operating in the county, not listings. Source: US Census Bureau, County Business Patterns, 2023.
What is the average wage in St. Charles County?
Average annual pay is $60,105, or $1,156 a week, across 162,611 covered jobs. Source: US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages.
How much SBA lending happens in St. Charles County?
421 7(a) approvals totalling $216.8 m since FY2020, across 89 lenders, with a median approval of $219,000, plus 211 504 approvals worth $143.4 m. These are approvals recorded in the release, not loans disbursed.
Do SBA loans in St. Charles County get paid back?
Of the 89 loans that have reached a final outcome, 78 were paid in full and 11 charged off, a charge off rate of 12.4 percent. Loans still running are excluded, because they have not yet succeeded or failed.
What is being built in St. Charles County?
2,040 housing units were authorised by permit in 2024, with a declared construction value of $601.9 m. Multifamily was 30.4 percent of units. Source: US Census Bureau, Building Permits Survey, 2024 annual.
What is the radon zone for St. Charles County?
Zone 2, a predicted average indoor radon screening level from 2 to 4 pCi/L. Source: US EPA, Map of Radon Zones, county spreadsheet, 2024-05 publication, EPA 402/A-16/001.
Where do people moving to St. Charles County come from?
The largest single origin is St. Charles County Non-migrants, with 159,926 households. Arriving households report an average income of $77,444 against null for those leaving. Source: US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Are traffic counts available for St. Charles County on this page?
No. Annual average daily traffic resolves in the platform rather than in this dataset, so no AADT figure is printed here. It is a gap we know about rather than a figure we estimated.
Is zoning published for St. Charles County?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning, and where a statutory framework applies it is marked as the statewide frame with confirm locally attached.