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St. Charles, IL Real Estate Market

Source & Methodology

Analytics built by:   Location, Inc.

Raw data sources:   American Community Survey (U.S. Census Bureau), U.S. Department of Housing and Urban Development, Federal Housing Finance Agency.

Date(s) & Update Frequency:
  • Home Values, Rents: Reflects Q1 2022. Updated quarterly.
  • Setting, Housing Stock, Homeownership: 2020 (latest available). Updated annually.

Methodology:   NeighborhoodScout uses over 600 characteristics to build a neighborhood profile… Read more about Scout's Real Estate Data

St. Charles, IL Housing Market Trends

With 33,081 people, 12,342 houses or apartments, and a median cost of homes of $309,475, St. Charles real estate is some of the most expensive in Illinois, although St. Charles home values aren't among America's most expensive.

Single-family detached homes are the single most common housing type in St. Charles, accounting for 61.84% of the city's housing units. Other types of housing that are prevalent in St. Charles include large apartment complexes or high rise apartments ( 17.44%), row houses and other attached homes ( 11.88%), and a few duplexes, homes converted to apartments or other small apartment buildings ( 8.84%).

Owner-occupied, three and four bedroom dwellings, primarily in single-family detached homes are the most prevalent type of housing you will see in St. Charles. Owner-occupied housing accounts for 69.54% of St. Charles's homes, and 57.04% have either three or four bedrooms, which is average sized relative to America.

There is a lot of housing in St. Charles built from 1970 to 1999 so parts of town may have that "Brady Bunch" look of homes popular in the '70s and early '80s, although some of these houses were built up through the early '90s as well. There is also a lot of housing in St. Charles built between 2000 and later ( 20.81%). A lesser amount of the housing stock also hails from between 1940-1969 ( 18.88%). There's also some housing in St. Charles built before 1939 ( 8.55%).

St. Charles Home Appreciation Rates

St. Charles's appreciation rate notably has been below the national average for the last ten years. The average annual home appreciation rate in St. Charles during the period has been just 3.38%, which is lower than 80% of US communities.

Over the last year, St. Charles appreciation rates have trailed the rest of the nation. In the last twelve months, St. Charles's appreciation rate has been 10.85%, which is lower than appreciation rates in most communities in America. In the latest quarter, NeighborhoodScout's data show that house appreciation rates in St. Charles were at 1.10%, which equates to an annual appreciation rate of 4.48%.

Notably, St. Charles's appreciation rate in the latest quarter is one of the lowest in America.

Relative to Illinois, our data show that St. Charles's latest annual appreciation rate is lower than 60% of the other cities and towns in Illinois.

One very important thing to keep in mind is that these are average appreciation rates for the city. Individual neighborhoods within St. Charles differ in their investment potential, sometimes by a great deal. Fortunately, you can use NeighborhoodScout to pinpoint the exact neighborhoods in St. Charles - or in any city or town - that have the best track record of real estate appreciation, by the latest quarter, the last year, 2 years, 5 years, 10 years, or even since 2000, to assist you in making the best St. Charles real estate investment or home purchase decisions.

Average Home Values

 

Median Home Value:
$309,475

St. Charles, IL HOME PRICES

> $1,183,000
$887,001 - $1,183,000
$591,001 - $887,000
$473,001 - $591,000
$355,001 - $473,000
$237,001 - $355,000
$118,001 - $237,000
$59,001 - $118,000
$0 - $59,000
1.0%
1.0%
2.1%
2.1%
9.7%
9.7%
9.1%
9.1%
25.6%
25.6%
40.2%
40.2%
10.1%
10.1%
1.3%
1.3%
0.8%
0.8%
0.0% 100.0%
% OF HOMES
Value Relative To State

High for Nation

Very High for IL

Value Relative To Nation

Number Of Homes And Apartments:
12,342

St. Charles Appreciation Rates

 
Time Period Total Appreciation Avg. Annual Rate Compared To
IL*
Compared To
America*
Latest Quarter:
2021 Q4 - 2022 Q1
Last 12 Months:
2021 Q1 - 2022 Q1
Last 2 Years:
2020 Q1 - 2022 Q1
Last 5 Years:
2017 Q1 - 2022 Q1
Last 10 Years:
2012 Q1 - 2022 Q1
Since 2000:
2000 Q1 - 2022 Q1
46.87% 1.74%
4
1
* 10 is highest

Rent & Ownership

 

Average Market Rent:
$1,848 / per month

Homeownership Rate

Owners
Renters
Vacant
69.5%
69.5%
30.5%
30.5%
5.1%
5.1%
0.0% 100.0%
% OF HOMES

Housing Market Details

 

Age of Homes

2000 or Newer
1970 - 1999
1940 - 1969
1939 or Older
20.8%
20.8%
51.8%
51.8%
18.9%
18.9%
8.6%
8.6%
0.0% 100.0%
% OF HOMES

Types of Homes

Single-Family
Townhomes
Small Apt. Buildings
Apt. Complexes
Mobile Homes
Other
61.8%
61.8%
11.9%
11.9%
8.8%
8.8%
17.4%
17.4%
0.0%
0.0%
0.0%
0.0%
0.0% 100.0%
% OF HOMES

Home Size

No Bedroom
1 Bedroom
2 Bedrooms
3 Bedrooms
4 Bedrooms
5 or more bedrooms
0.5%
0.5%
10.8%
10.8%
23.4%
23.4%
31.3%
31.3%
25.8%
25.8%
8.2%
8.2%
0.0% 100.0%
% OF HOMES