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Market Intelligence · MO / St. Charles

St. Charles, MO 63304 Housing Market

The typical home value in Saint Charles, MO 63304 is $401,412, up 1.4% over the past year as of September 2026. The median list price is $480,740, and homes spend a median of 50 days on the market.

Updated September 2026Median value$401K

The median home value in St. Charles, MO 63304 is $401K as of September 2026, up 1.4% year over year, according to Zillow ZHVI. For a read on your own home, start with a free consultation: a licensed local pro will walk you through your numbers and your options, with no obligation.

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Typical 63304 range

$369K to $434K

This is an automated estimate, not an appraisal. Actual value is determined by current market conditions and professional evaluation. It is provided for informational purposes only and is not an offer to buy or a promise of value.

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12-month value trend

+1.4% over 12 months

Typical home value in 63304 over the last 12 months: $396K in Sep 2025 to $401K in Sep 2026 (+1.4%).

Sep 2025$396K

Sep 2026$401K

The numbers

What is the 63304 housing market like?

Typical home value

$401K

Up1.4%YoY

Median list price

$481K

Up9.3%MoM

Days on market

50

Up6.4%MoM

Homes for sale

83

Down2.4%MoM

Price cuts

16.4%

Down10.3%MoM

New listings

40

Up11.1%MoM

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

The outlook

63304 housing market forecast 2027

+2.2%

Zillow forecast, 12 months to September 2027

Zillow forecasts typical home values in 63304 to rise 2.2% by September 2027.

Over the 12 months through September 2026, typical home values in 63304 rose 1.4%, per the Zillow Home Value Index.

Will home prices drop in 63304?

Zillow's forecast does not call for a drop: it expects typical home values in 63304 to rise 2.2% by September 2027, after a 1.4% rise over the past 12 months. Forecasts are not guarantees: mortgage rates, inventory, and the wider economy can move values either way.

Forecast: Zillow Home Value Forecast, published October 2026. A forecast, not a guarantee.

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The comparison

How do 63304 home prices compare?

  • 63304$401,412
  • Saint Charles$355,825
  • Missouri$241,333
  • United States$285,347

Median Zillow home value (ZHVI), as of September 2026. Comparison levels are medians across every ZIP code with Zillow data (Saint Charles: 3 ZIPs; Missouri: 758 ZIPs; United States: 26,262 ZIPs).

Context

As of September 2026, there are 83 homes for sale in 63304, with 40 new listings coming on the market. The median list price of $480,740 sits well above the typical home value of $401,412, which is up 1.4% over the past year. Homes are taking a median of 50 days to sell, and 16.4% of listings have had a price cut. Values are still rising, but only modestly, and a meaningful share of sellers are trimming their asking prices. For a seller, the honest read is that pricing realistically from the start matters more than testing the top of the market.

Monthly payment

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20% · $80,282

Common questions

What people ask us.

How much is a home in 63304 worth?

The typical home value in 63304 is $401,412, up 1.4% over the past year as of September 2026.

How long does it take to sell a home in 63304?

Homes in 63304 spend a median of 50 days on the market as of September 2026.

How competitive is the 63304 market right now?

There are 83 homes for sale and 40 new listings as of September 2026, and 16.4% of listings have had a price cut.

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