County data
St. Charles County, MO Mortgage Calculator
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- Property tax$0
- Home insurance$0
- HOA dues$0
- Mortgage insurance (PMI)$0
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St. Charles County at a glance
Median home value
$320,800
Property tax rate
1.10%
Missouri: 0.93% · U.S.: 1.05%
Median income
$104,692
Conforming loan limit
$832,750
Typical monthly cost of the median home
Principal and interest
$1,756
$256,640 loan at 7.28%, 30 years
Property tax
$294
1.10% of $320,800 a year
Together
$2,050
before insurance, HOA and PMI
Other large counties in Missouri
| County | Median home | Tax rate | Payment |
|---|---|---|---|
| St. Louis County | $276,800 | 1.21% | $1,794 |
| Jackson County | $230,500 | 1.18% | $1,488 |
| Greene County | $221,300 | 0.73% | $1,346 |
| St. Louis city | $197,500 | 1.13% | $1,267 |
| Clay County | $275,600 | 1.11% | $1,763 |
| Jefferson County | $237,200 | 0.86% | $1,468 |
| Boone County | $272,800 | 0.86% | $1,689 |
| Jasper County | $166,900 | 0.77% | $1,021 |
Frequently asked questions
What is the property tax rate in St. Charles County, MO?
Homeowners with a mortgage in St. Charles County pay a median of $3,522 a year in property tax on a median home value of $320,800, an effective rate of 1.10%. That is above the Missouri figure of 0.93% and above the U.S. median of 1.05%. It ranks 8 of 115 counties in Missouri for effective rate, highest first. Your own bill depends on the assessed value, the taxing districts and any exemptions.
How much is the monthly payment on a median-priced home in St. Charles County?
On a $320,800 home with 20% down and a 30-year loan at 7.28% (the Freddie Mac weekly average), principal and interest is about $1,756 a month and property tax about $294, so roughly $2,050 before homeowners insurance, HOA dues and mortgage insurance. For comparison, the median household income here is $104,692 a year, so that payment is about 23% of it.
What is the conforming loan limit in St. Charles County?
The 2026 one-unit conforming loan limit for St. Charles County is $832,750. A conventional loan above that amount is a jumbo loan, which can have different rates and down payment requirements.
Where do these numbers come from?
Home values, property taxes and incomes are U.S. Census Bureau American Community Survey 5-year medians for the county. Loan limits come from the Federal Housing Finance Agency and rates from Freddie Mac. The methodology page lists each source and when it was retrieved.
Data and method. Home values, property taxes and incomes: U.S. Census Bureau, ACS 2024 5-year (2020-2024) (medians, with sampling error; property tax is for owners with a mortgage). Loan limits: FHFA. Rates: Freddie Mac weekly average as of October 1, 2026. Retrieved October 1, 2026. Payment figures assume 20% down, a 30-year fixed loan, and exclude insurance, HOA dues and mortgage insurance. Estimates only; see the methodology.