Is St. Charles, MN a Good Place to Live?
St. Charles is a small town of 3,979 in Minnesota, with a median household income of $91,326 and a 2.5% unemployment rate. Its cost of living index is 97 (US average = 100), which is 3% below the national average.
Strengths: St. Charles stands out for an affordable cost of living, below-average home prices, lower-than-average crime, solid school ratings (A-), a well-educated population, short average commutes.
Trade-offs: No major red flags stand out in the available data. Whether St. Charles is right for you depends on your priorities — the full breakdown is below.
All St. Charles city data on this page comes from official government sources — the US Census Bureau, FBI, NCES, BEA, and NOAA — updated annually.
Cost of Living
Index: 96.6St. Charles's overall cost of living index is 96.6, where 100 represents the US national average. Living in St. Charles costs roughly 3% less than the average American city.
| Metric | St. Charles, MN | National Avg |
|---|---|---|
| Median Home Value | $220,500 | $244,900 |
| Median Monthly Rent | $910 | $1,163 |
| Homeownership Rate | 83.7% | 65.9% |
| Median Household Income | $91,326 | $74,755 |
Crime & Safety
Very SafeSt. Charles's violent crime rate is 49.5 per 100,000 residents — 87% lower than the national average of ~380 per 100,000.
Vertical marker = national average. Source: FBI UCR Program.
Schools & Education
St. Charles is served primarily by ST. CHARLES PUBLIC SCHOOL DISTRICT. The student-to-teacher ratio is 14.7:1 (better than the national average of ~16:1).
| Metric | St. Charles, MN | National Avg |
|---|---|---|
| School District | ST. CHARLES PUBLIC SCHOOL DISTRICT | — |
| Elementary Schools | 1 | — |
| Middle Schools | N/A | — |
| High Schools | 1 | — |
| Student/Teacher Ratio | 14.7:1 | 16:1 |
| Bachelor's Degree or Higher | 37.1% | 35.4% |
| High School Diploma or Higher | 94.0% | 91.1% |
Weather & Climate
St. Charles sees average highs of 22.9°F in January and 82.6°F in July, with 37.1 inches of annual precipitation and 44.9 inches of snow per year.
| Metric | St. Charles, MN |
|---|---|
| Average High — January | 22.9°F |
| Average High — July | 82.6°F |
| Annual Precipitation | 37.1" |
| Annual Snowfall | 44.9" |
Demographics
| Metric | St. Charles, MN | National Avg |
|---|---|---|
| Population | 3,979 | — |
| Median Age | 39.9 | 38.9 |
| Unemployment Rate | 2.5% | 3.7% |
| Avg Commute Time | 24.3 min | 26 min |
| White (non-Hispanic) | 90.4% | 59.3% |
| Black or African American | 0.0% | 13.6% |
| Hispanic or Latino | 2.9% | 18.9% |
| Asian | 6.3% | 6.3% |
| Under 18 | 23.5% | 22.2% |
| 65 and over | 14.2% | 16.8% |
Nearby Cities
ZIP Codes in St. Charles
St. Charles, MN is covered by 1 ZIP code: