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Market Intelligence · MO / St. Charles County

St. Charles, MO home prices and housing market

3 ZIP markets liveData updated September 2026Typical value$356K1-yr changeUp2.1%

The typical home value in St. Charles, MO is $356K as of September 2026, up 2.1% from a year ago, based on the Zillow Home Value Index. In the typical St. Charles ZIP code, the median list price is $378K and homes spend a median of 42 days on market as of September 2026 (Realtor.com).

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The coverage

St. Charles, by the numbers.

Typical home valueZillow ZHVI, September 2026
$356K
1-yr changeMedian across St. Charles ZIPs
+2.1%
ZIP markets live4 tracked in St. Charles
3
County
St. Charles County

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12-month value trend

+2.1% over 12 months

Typical home value in St. Charles over the last 12 months: $349K in Sep 2025 to $356K in Sep 2026 (+2.1%).

Sep 2025$349K

Sep 2026$356K

Median Zillow home value index across St. Charles's ZIP codes.

Context

The typical home value in St. Charles is $355,825, up 2.1% over the past year as of September 2026. That is modest, steady growth rather than a surge. Sellers are listing at a median of $377,750, and homes are taking a median of 42 days to go under contract. Inventory sits at 268 homes for sale, with 170 new listings hitting the market, so buyers have real options to compare. About 16.4% of listings have taken a price cut, a sign that overpricing gets punished. For a homeowner weighing a sale, the St. Charles market is stable and still moving, but accurate pricing from day one matters more than it did in a hotter market.

The numbers

What is the housing market like in St. Charles, MO?

Typical home value

$356K

Up2.1%YoY

Median list price

$378K

Days on market

42

Homes for sale

268

Price cuts

16.4%

New listings

170

Sources · Zillow ZHVI (September 2026) / Realtor.com (September 2026)

Figures reflect St. Charles's ZIP codes with market data: values and listing medians take the median across ZIPs; inventory and new listings are summed.

Prices over time

St. Charles, MO home prices over time

Typical home values in St. Charles, MO are up 2.1% over the past year, from $349K in September 2025 to $356K in September 2026.

Typical home value in St. Charles, MO, September of each year
MonthTypical value1-yr change
September 2026$355,825+2.1%
September 2025$348,550No prior year

Typical value is the median Zillow Home Value Index across St. Charles ZIP codes, taken in September of each year so every row compares the same month.

Market balance

Is St. Charles, MO a buyer's or seller's market?

St. Charles, MO is roughly balanced between buyers and sellers.

These measures sit between the ranges that usually favor one side, so pricing and condition matter more than market direction.

Based on a median of 42 days on market and 16% of listings with a price cut in the typical St. Charles ZIP code, and 170 new listings against 268 active listings across St. Charles, as of September 2026 (Realtor.com).

The outlook

St. Charles housing market forecast 2027

+2.2%

Weighted average of Zillow's ZIP forecasts, 12 months to September 2027

A weighted average of Zillow's ZIP forecasts, across 3 St. Charles ZIP codes, points to typical home values rising 2.2% by September 2027.

Over the 12 months through September 2026, typical home values in St. Charles rose 2.1%, per the Zillow Home Value Index.

Will home prices drop in St. Charles?

The forecasts do not call for a drop: a weighted average of Zillow's ZIP forecasts for St. Charles shows typical home values rising 2.2% by September 2027, after a 2.1% rise over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

How this is calculated: each ZIP code's 12-month Zillow forecast is weighted by its typical home value (Zillow Home Value Index, September 2026). 3 St. Charles ZIP codes have both figures.

Forecast: a weighted average of Zillow's ZIP forecasts (Zillow Home Value Forecast, published October 2026), calculated by Home Value Pros. A forecast, not a guarantee.

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Live markets

What ZIP codes are live in St. Charles?

Typical value is the Zillow home value index (ZHVI) for each ZIP, as of September 2026. 1-yr change compares it to the same ZIP a year earlier. We track 4 St. Charles ZIP codes in total; the remaining 1 publish as their data clears editorial QA.

Zillow ZHVI, September 2026

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Common questions

Questions about St. Charles, MO home prices.

How much is a home in St. Charles worth?

The typical home value in St. Charles is $355,825 as of September 2026, up 2.1% over the past year. This is a citywide figure, so an individual home may be worth more or less depending on condition, size, and location.

How fast are homes selling in St. Charles?

Homes in St. Charles spend a median of 42 days on the market as of September 2026. Well-priced homes can sell faster, while 16.4% of listings have needed a price cut.

Is there much competition from other sellers in St. Charles?

There are 268 homes for sale in St. Charles as of September 2026, with 170 new listings added. The median list price is $377,750, so sellers should price realistically against that competition.

Are home prices going up or down in St. Charles, MO?

Typical home values in St. Charles, MO are up 2.1% over the past year, based on the Zillow Home Value Index as of September 2026.

Is St. Charles, MO a buyer's or seller's market?

St. Charles, MO is roughly balanced between buyers and sellers. These measures sit between the ranges that usually favor one side, so pricing and condition matter more than market direction. Based on a median of 42 days on market and 16% of listings with a price cut in the typical St. Charles ZIP code, and 170 new listings against 268 active listings across St. Charles, as of September 2026 (Realtor.com).

How long do homes take to sell in St. Charles, MO?

In the typical St. Charles ZIP code, homes spend a median of 42 days on market as of September 2026, based on Realtor.com listing data. Pricing and condition decide how fast any one home sells, so treat the median as a benchmark rather than a promise.

Nearby markets

More Missouri housing markets.

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