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Area data

Saint charles, MO — ZIP 63304

Population: 43,195 (Census ACS)

The median home value in ZIP 63304 (Saint charles, MO) is $407,484 — up 1.1% over the past year. Homes sell for a median $237,750 after a median 11 days on market. Typical rent runs $1,799/month. 12 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with strongwind, coldwave, hail the top-rated hazards. Cost of living is 10.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$407,484

Median home value

+1.1%

1-year change

11

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Median home value
$407,484
1-year appreciation
+1.1%
3-year appreciation
+6.5%
5-year appreciation
+24.7%
10-year appreciation
+70.9%
All-time peak (2026-07)
$407,484
House Price Index (state)
403.5 (+4.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$237,750
Median list price
$299,000
Median price per sqft
$160
1-year sale-price change
+58.5%
Median days on market
11 days
Homes sold (recent period)
2
For-sale inventory
98
Sale-to-list ratio
103.4%
Active listings
7
1-year forecast
+1.2%
Days to pending
18 days
New listings (monthly)
60

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,799/mo
1-year rent change
+6.5%
Studio fair-market rent
$1,360/mo
1BR fair-market rent
$1,410/mo
2BR fair-market rent
$1,730/mo
3BR fair-market rent
$2,230/mo
4BR fair-market rent
$2,570/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Low)
89.5 (100 = US avg)
Electricity rate (state-level)
13.5¢/kWh
Natural gas rate (state-level)
$14.90/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
12
Elementary schools
3
Middle schools
4
High schools
2
Schools include
FRANCIS HOWELL MIDDLE, EARLY CHILD FAMILY EDUC. CTR., HOLLENBECK MIDDLE, CASTLIO ELEM., CENTRAL ELEM.

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
strongWind, coldWave, hail, inlandFlooding, lightning
Notable hazard ratings (county)
coldWave: Relatively High · drought: Relatively Low · earthquake: Relatively Moderate · hail: Relatively High · heatWave: Relatively Moderate · iceStorm: Relatively Moderate
FEMA flood zone
AE
Flood risk level
High
Wildfire risk to homes (county)
Higher than 34% of US counties
Buildings in wildfire direct-exposure zone
18.5%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
2
Nearest Superfund site
Weldon Spring Quarry/Plant/Pits (USDOE/Army) (3.1 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
45.8 in
USDA plant hardiness zone
6b (extreme annual low -5 to 0°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
45
Days with Good air quality
156
Days with Moderate air quality
74
Highest AQI recorded (year)
147

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
5.8 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
75,674
Jobs reachable by transit (45 min)
62,955

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
2
Nearest national park
Ulysses S Grant National Historic Site (20 mi)
National parks include
Ulysses S Grant National Historic Site, Gateway Arch National Park
Airports within 30 mi
26
Nearest airport
Spirit of St Louis Airport (SUS) (3 mi)
Nearest major airport
Spirit of St Louis Airport (SUS) (3 mi)
Hospitals nearby (~15 mi)
1
Hospitals include
CENTERPOINTE HOSPITAL
Solar radiation rating
Fair (4.2 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
+810 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,991
Housing built before 1970
6.6%
Housing built 2000 or later
25.0%
Median annual property tax
$3,549
Mean commute to work
20 min
Households with broadband internet
88.0%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
143,570
Average weekly wage
$1,124
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
1,399

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 63304State medianUS median
Median home value$407,484$244,663$289,727
Median sale price$237,750$249,900$325,000
Median days on market11 days40 days51 days
Typical rent$1,799/mo$1,417/mo$1,808/mo
Median annual property tax$3,549$1,136$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 63304?
$407,484.
What is the median sale price in ZIP 63304?
$237,750.
How long do homes take to sell in ZIP 63304?
Median days on market: 11 days.
What is typical rent in ZIP 63304?
Typical rent: $1,799/month.
What is the natural-hazard risk in ZIP 63304?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: strongWind, coldWave, hail, inlandFlooding, lightning.
Is ZIP 63304 in a flood zone?
High (FEMA NFIP). FEMA flood zone AE.
What is the wildfire risk in ZIP 63304?
Risk to homes is higher than 34% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 63304?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 63304?
2 current or proposed National Priorities List sites within 5 miles (EPA). Nearest site: Weldon Spring Quarry/Plant/Pits (USDOE/Army), 3.1 mi.
How many schools serve ZIP 63304?
12 schools (3 elementary, 4 middle, 2 high) (NCES, 2022-23).
Is ZIP 63304 walkable?
Walkability index: 5.8/20 (EPA Smart Location Database).
What is the air quality in ZIP 63304?
Good. Median AQI: 45. (EPA AQI).
What is the cost of living in ZIP 63304?
Regional Price Parity: 89.5 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents