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St Charles, MO
St Charles · MO 63301
Updated November 1, 2026 · Would You Live There?
Good for now
Verdict
$350K
Median Price
…
Walk Score
6.3/10
Schools
39 min
to St. Louis, MO
Score Breakdown
CAffordability
63/100
D+Safety
55/100
CSchools
63/100
B-Quietness
70/100
B-Commute
70/100
FWalkability
0/100
WYLT Score54/100
Our Take
St. Charles offers solid schooling, a decent commute to St. Louis, and a low flood risk—good for families and commuters. Walkability and nightlife are limited, but the neighborhood’s overall livability and community feel remain strong.
B.
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The Good
- ✓Top‑rated schools with many high schools rated 9/10
- ✓Convenient 39‑minute commute to downtown St. Louis
- ✓Low flood risk (X zone) and relatively affordable home values
- ✓Strong community vibe with local parks and family events
Real Talk
- !Walkability and public transit options are limited, making car ownership almost a necessity
- !Dining and nightlife choices are modest compared to larger metro areas
- !Property crime is moderate—watch for neighborhood‑specific hotspots
- !Older homes may require higher maintenance costs than newer constructions
- $Potential HOA fees in certain residential districts
- $Higher property taxes compared to other Missouri suburbs
- $Insurance premiums for older homes can be elevated due to maintenance needs
Best For
Families with school‑aged childrenCommuters to St. LouisRetirees seeking a quiet suburbYoung professionals looking for affordable entry into the metro market
Risk Snapshot
Flood riskLow
Violent crimeModerate
Property crimeModerate
Air qualityGood
Price volatilityModerate
Crime & Safety
St Charles, MO
D+
Safety grade
Safety score55 / 100
High riskVery safe
⚠️Violent Crime
Moderate3.9incidents / 1,000 residents / yr
0Natl avg (3.7)11+
5% higher than the national average
🔒Property Crime
Moderate19.8incidents / 1,000 residents / yr
0Natl avg (19.5)59+
2% higher than the national average
Verify with real-time data
City-Data stats →From Residents
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