Photo by Randall Mann on Unsplash (https://unsplash.com/@reallyrandall)
St. Charles, Missouri Retirement Guide
established retirement community
38
Retirement Score
St. Charles, Missouri at a Glance
- Median Home Price
- $289,600
- State Income Tax
- State income tax; Social Security partially exempt based on income; limited pension deduction.
- Avg January Low
- 15.8°F
- Cost of Living Index
- 91 (US avg = 100)
- Best For
- established retirement community
- RetireCityIQ Score
- 38 / 100
Retirement Data
Affordability
Cost of Living Index
91 (U.S. avg = 100)High confidence
BEA Regional Price Parities · Updated May 2026
Median Home Price
$289,600High confidence
U.S. Census ACS 1-Year · Updated June 2026
Median Monthly Rent
$1,100High confidence
U.S. Census ACS 1-Year · Updated June 2026
Taxes
Retirement Tax Score
30 / 100High confidence
Tax Foundation · Updated June 2026
Tax Details
State income tax; Social Security partially exempt based on income; limited pension deduction.High confidence
Tax Foundation · Updated June 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
0 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Aging-in-Place Score (proxy)
36.9 / 100High confidence
RetireCityIQ proxy model · Updated June 2026
Healthcare
Healthcare Access Score
0 / 100High confidence
CMS Hospital General Information (no in-city hospital listed) · Updated June 2026
Climate
Avg July High
83.1°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Avg January Low
15.8°FHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Annual Precipitation
41.3"High confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Sunny Days / Year
268 daysHigh confidence
Open-Meteo Historical Weather (ERA5) · Updated June 2026
Safety
Safety Score
76.5 / 100High confidence
FBI Crime Data Explorer · Updated June 2026
Walkability
Walk Score (proxy)
13.7 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Transit Score (proxy)
0.9 / 100High confidence
U.S. Census ACS 5-Year (B08301) · Updated June 2026
Demographics
Population
70,687High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Age
38.2High confidence
U.S. Census ACS 5-Year · Updated June 2026
Age 65+
17.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Median Household Income
$83,589High confidence
U.S. Census ACS 5-Year · Updated June 2026
Community Profile
Owner-Occupied Housing
66.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Veterans
6.8%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Bachelor's Degree+
44.0%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Poverty Rate
5.9%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Diversity
White
81.7%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Black
7.3%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Hispanic/Latino
5.6%High confidence
U.S. Census ACS 5-Year · Updated June 2026
Asian
3.5%High confidence
U.S. Census ACS 5-Year · Updated June 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in St. Charles using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$627
Stress-case monthly carrying cost
$705
Median home price used: $289,600
Median rent reference: $1,100 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.
Local Professionals
Financial Advisors
FYRA CAPITAL MANAGEMENT
PINERIDGE ADVISORS, LLC