ZIP Code 63301 — Saint Charles, MO Home Prices (2026)
The typical home in ZIP 63301 (Saint Charles, Missouri) is worth about $322,000 at roughly $212 per square foot — 11% more affordable than the Saint Charles median and 10% more expensive than the typical U.S. home.
How 63301 compares
ZIP 63301 is one of the more affordable ZIP codes in Saint Charles: its typical home value of $322,000 ranks #3 of the 3 Saint Charles ZIP codes we track (the citywide range runs from $322,000 in 63301 to $407,000 in 63304). Per square foot it costs about $212, against $204 for Saint Charles as a whole, $160 for Missouri, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 63301 | $322,000 | $212 |
| Saint Charles, MO | $361,000 | $204 |
| Missouri | $247,000 | $160 |
| United States | $294,000 | $195 |
Home value by size in 63301
Using this ZIP’s rate of about $212 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $212,000 |
| 1,500 sq ft | $318,000 |
| 2,000 sq ft | $424,000 |
| 2,500 sq ft | $530,000 |
| 3,000 sq ft | $636,000 |
Salary needed to buy a home in ZIP 63301
To buy the typical $322,000 home in ZIP 63301 with 20% down, you need a household income of roughly $88,000 a year (about $2,040 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $104,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $16,100 | $2,540/mo | $109,000/yr |
| 10% (+PMI) | $32,200 | $2,430/mo | $104,000/yr |
| 20% | $64,400 | $2,040/mo | $88,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 63301
At about $212 per square foot, here is roughly how much home different budgets get you in ZIP 63301:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 710 sq ft | below the local median — condos, smaller or older homes |
| $200k | 940 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1180 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1420 sq ft | around the typical home here |
| $400k | 1890 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 63301 home.
Estimate a specific home in 63301
The estimator below is pre-set to ZIP 63301 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Saint Charles ZIP codes by home value
Where 63301 sits among Saint Charles’s 3 ZIP codes:
ZIP 63301 home prices: frequently asked
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See the full Saint Charles home values page, all Missouri cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.