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St. Louis, MO-IL

Cost of living in St. Charles County, MO

Part of the St. Louis Metro Area

Estimated monthly cost
$3,269/mo
for a single person, all categories combined

Population 409,830 · Last updated May 21, 2026

Cost breakdown

Single person, by category, per month.

Rent $984 30%
Federal tax $725 22%
Healthcare $480 15%
Transport $320 10%
Groceries $313 10%
State tax $203 6%
Energy $194 6%
Water $50 2%

Rent in St. Charles County

Fair Market Rents by bedroom count.

Studio
$951
per month
1 bedroom
$984
per month
2 bedroom
$1,215
per month
3 bedroom
$1,570
per month
4 bedroom
$1,806
per month

Source: HUD FMR FY2025

Income and earnings in St. Charles County

Annual earnings figures from the Census ACS.

Household income
$102,912
per year
Individual earnings
$54,399
per year
Per capita
$49,859
per year

Source: ACS 2019-2023 5-Year.

Home values in St. Charles County

Average values reported by homeowners.

Average home value
$296,800
Annual property tax
$3,340

Source: ACS 2019-2023 5-Year

Energy costs in St. Charles County

Estimated monthly electricity and gas costs.

Electricity
$142
per month · 14.2¢/kWh
Natural gas
$52
per month
Annual total
$2,328
per year

Source: EIA

Healthcare in St. Charles County

Insurance premiums and coverage rates.

Individual premium
$480
per month
Family premium
$1,350
per month
Uninsured rate
4.3%

Source: ACS + national avg. Marketplace benchmark premiums are second-lowest Silver plan estimates and do not reflect employer plans, subsidies, or out-of-pocket costs. This is not healthcare advice.

Taxes in St. Charles County

State and local tax rates for Missouri.

State income tax
4.8%
Top marginal rate
State sales tax
4.2%
Combined sales tax
8.3%
incl. average local

Tax rates change. Consult a qualified tax professional for advice on your specific situation. This is not tax advice.

Transportation in St. Charles County

Commute patterns and estimated costs.

Average commute
24.9 min
Drive alone
76.2%
Public transit
0.1%
Work from home
16.0%

Source: ACS

Monthly cost estimates for St. Charles County

What it costs to live in St. Charles County each month.

Single person
$3,269
per month
  • Rent $984
  • Energy $194
  • Water $50
  • Groceries $313
  • Transport $320
  • Healthcare $480
  • Federal tax $725
  • State tax $203
Couple
$5,063
per month
  • Rent $1,215
  • Energy $233
  • Water $60
  • Groceries $519
  • Transport $420
  • Healthcare $864
  • Federal tax $1,355
  • State tax $397
Family
$7,540
per month
  • Rent $1,570
  • Energy $291
  • Water $70
  • Groceries $787
  • Transport $520
  • Healthcare $1,350
  • Childcare $1,200
  • Federal tax $1,355
  • State tax $397

Frequently asked questions about St. Charles County

Common questions about cost of living, rent and salary.

What is the average rent in St. Charles County?

In St. Charles County, MO, a one-bedroom apartment averages $984 per month, a two-bedroom averages $1,215 per month, a three-bedroom averages $1,570 per month, according to HUD Fair Market Rent data.

What is the average salary in St. Charles County?

In St. Charles County, MO, the average household income is $102,912 per year and individual earnings for full-time workers average $54,399 per year, according to U.S. Census Bureau data.

What is the cost of living in St. Charles County?

The estimated cost of living in St. Charles County, MO is approximately $3,269 per month for a single person, $5,063 for a couple, $7,540 for a family. This includes rent, utilities, groceries, transportation, healthcare, and taxes.

What is the sales tax rate in St. Charles County?

The combined sales tax rate in St. Charles County, MO is 8.29%, which includes the Missouri state rate of 4.22% plus an average local rate of 4.06%.

Is St. Charles County an affordable place to live?

Based on the data, a single person in St. Charles County, MO would need approximately $3,269 per month to cover rent, utilities, food, transport, healthcare, and taxes. The average household income is $102,912 per year ($8,576 per month). St. Charles County is relatively affordable compared to the national average.

How much does healthcare cost in St. Charles County?

The ACA marketplace benchmark premium in St. Charles County, MO is approximately $480 per month for an individual. Approximately 4.3% of residents are uninsured. Actual costs vary based on employer coverage, plan type, and individual circumstances.

What are house prices in St. Charles County?

The average home value in St. Charles County, MO is $296,800, with average annual property taxes of $3,340, according to U.S. Census Bureau data.

How does St. Charles County compare to other areas?

You can compare St. Charles County, MO with any other US county using our comparison tool at /compare. St. Charles County is in the St. Louis, MO-IL metro area.

Other counties in Missouri

Browse the full list of counties in Missouri, ranked by cost of living.

See all counties in Missouri

Compare St. Charles County with another area

Put two counties side by side to see how rent, taxes and everyday costs stack up.

About this data

All figures on this page come from official U.S. government sources, listed below.

  • HUD FMR FY2025
  • ACS 2019-2023 5-Year
  • EIA
  • ACS + national avg
  • ACS
  • USDA + BEA RPP
Methodology All data sources