63304 ZIP Code — Saint Charles, MO

Saint Charles County, Missouri

ZIP code 63304 is located in Saint Charles, Missouri, within Saint Charles County. It covers approximately 55.10 square miles and serves a population of 42,738 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 636.

About ZIP code 63304

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $300,700. Owner-occupancy is high at 89%, well above the national average.

The gap between median ($111,114) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 33% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 63304 reflects a community defined by high homeownership and a significant Social Security-dependent population.

42,738

population

55.10

sq mi land

Standard

ZIP type

Central (CT)

timezone

63304 ZIP code map

Cities in ZIP code 63304

Below are the cities the US Postal Service accepts for ZIP code 63304. Using any city not on this list may result in mail delivery delays.

City	Status
Saint Charles	Acceptable
Saint Charles	Preferred

Nearby ZIP codes

63368 O Fallon (4.8 mi) 63368 O Fallon (4.8 mi) 63368 O Fallon (4.8 mi) 63005 Chesterfield (5.2 mi) 63005 Chesterfield (5.2 mi) 63005 Chesterfield (5.2 mi) 63376 Saint Peters (6.2 mi) 63376 Saint Peters (6.2 mi) 63376 Saint Peters (6.2 mi) 63376 Saint Peters (6.2 mi) 63376 Saint Peters (6.2 mi) 63376 Saint Peters (6.2 mi)

Demographics updated 06/2026

Population
Total population	42,738
Population density	776 / sq mi
State FIPS	29
County FIPS	183

Geography
Land area	55.10 sq mi
Water area	3.29 sq mi
Latitude	38.7107
Longitude	-90.6663
Timezone	Central (CT)
Area code	636

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.3%	24.9%	43.8%
$50k – $100k	31.7%	32.4%	31.5%
$100k – $200k	37.3%	33.0%	19.5%
Over $200k	13.7%	9.7%	5.2%

Demographics & statistics

42,738

Population

776

People per sq mi

42.3

Median age

$111,114

Median household income

$55,761

Per capita income

$300,700

Median home value

$1,452

Median monthly rent

89.4%

Home ownership

3.5%

Poverty rate

4.2%

Unemployment

14,644

Housing units

46.1%

Bachelor's or higher

Age distribution

Male Female

960

Under 5

986

1,268

5–9

1,301

1,497

10–14

1,537

1,524

15–19

1,564

1,109

20–24

1,138

2,105

25–34

2,161

2,787

35–44

2,862

3,008

45–54

3,088

1,632

55–59

1,676

1,588

60–64

1,631

2,070

65–74

2,126

999

75–84

1,025

541

85+

555

← Male

Female →

Age summary

Group	Count	%
Under 18	9,530	22.3%
18 and over	33,208	77.7%
65 and over	7,316	17.1%
Median age	42.3 years

Race & ethnicity

White 88.1%

Black or African American 4.4%

Two or more races 3.7%

Asian 1.9%

Hispanic or Latino 1.5%

Other race 0.3%

American Indian / Alaska Native 0.1%

Group	Count	%
White	38,212	88.1%
Black or African American	1,918	4.4%
Two or more races	1,607	3.7%
Asian	824	1.9%
Hispanic or Latino	651	1.5%
Other race	151	0.3%
American Indian / Alaska Native	26	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.3%	24.9%	43.8%
$50k – $100k	31.7%	32.4%	31.5%
$100k – $200k	37.3%	33.0%	19.5%
Over $200k	13.7%	9.7%	5.2%

Under $10k 1.5%

$10k–$15k 0.7%

$15k–$25k 2.7%

$25k–$35k 4.3%

$35k–$50k 6.5%

$50k–$75k 14.7%

$75k–$100k 13.4%

$100k–$150k 22.3%

$150k–$200k 14.3%

$200k+ 19.5%

Range	% of households
Under $10k	1.5%
$10k–$15k	0.7%
$15k–$25k	2.7%
$25k–$35k	4.3%
$35k–$50k	6.5%
$50k–$75k	14.7%
$75k–$100k	13.4%
$100k–$150k	22.3%
$150k–$200k	14.3%
$200k+	19.5%
Median income	$111,114

Housing

Home values

Under $50k 1.8%

$50k–$100k 1.1%

$100k–$150k 3.0%

$150k–$200k 9.6%

$200k–$300k 34.3%

$300k–$500k 34.5%

$500k–$1M 12.3%

$1M+ 3.4%

Housing overview

Metric	Value
Median home value	$300,700
Median rent / month	$1,452
Owner occupied	89.4%
Renter occupied	10.6%
Vacant	2.5%
Single-family detached	86.4%
Large apartment buildings	3.1%
Mobile homes	0.3%
Median rooms	7.2
Avg household size (owned)	2.74

Year built

Era	%
2020 or later	0.7%
2010–2019	8.4%
2000–2009	12.3%
1990–1999	31.3%
1980–1989	29.0%
1970–1979	11.9%
1960–1969	4.3%
1950–1959	1.6%
1940–1949	0.3%
1939 or earlier	0.3%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	1.5%
2 bedrooms	9.6%
3 bedrooms	45.5%
4 bedrooms	35.4%
5+ bedrooms	6.4%

Vehicles per household

Vehicles	% of households
No vehicle	2.9%
1 vehicle	20.6%
2 vehicles	44.2%
3 or more	32.3%

Heating fuel

Fuel type	%
Utility gas	74.8%
Electricity	23.3%
Propane / LP gas	1.5%
Fuel oil	0.1%
Wood	0.1%
Solar	0.1%
No fuel used	0.1%

Households & families

Household type	Count	%
Married-couple family	10,510	66.0%
Cohabiting couple	699	4.4%
Male householder, no spouse	1,607	10.1%
Female householder, no spouse	3,106	19.5%
Households with children under 18	5,210	32.7%
Households with seniors (65+)	4,894	30.7%
Average household size	2.68

Marital status

Status	Male	Female
Never married	28.8%	21.8%
Married	61.7%	60.4%
Separated	0.4%	0.5%
Widowed	1.8%	8.0%
Divorced	7.4%	9.3%

Education

Less than 9th grade 1.5%

Some HS, no diploma 2.3%

HS graduate 21.2%

Some college, no degree 19.8%

Associate's degree 9.1%

Bachelor's degree 28.1%

Graduate / professional 18.0%

Metric	%
HS diploma or higher	96.2%
Bachelor's or higher	46.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	703	6.7%
Kindergarten	428	4.1%
Elementary school	4,542	43.1%
High school	2,753	26.1%
College / grad school	2,114	20.1%

Employment

Industry of employment

Education & healthcare 23.0%

Manufacturing 12.3%

Retail trade 11.2%

Finance & real estate 10.2%

Professional & management 10.0%

Arts, food & hospitality 8.4%

Construction 6.7%

Transportation & utilities 4.8%

Other services 3.7%

Wholesale trade 3.5%

Public administration 3.1%

Information 2.4%

Agriculture & mining 0.7%

Occupation

Category	%
Management, business & arts	51.8%
Service	12.0%
Sales & office	22.1%
Natural resources & construction	6.5%
Production & transportation	7.6%

Employment type

Type	%
Private sector	85.0%
Government	10.1%
Self-employed	4.3%
Unpaid family workers	0.6%

Commute

Method	%
Drive alone	77.7%
Carpool	5.4%
Public transit	0.0%
Walk	0.2%
Work from home	15.2%
Other means	1.5%
Avg commute (minutes)	25.4

Poverty

All people 3.5%

Under 18 years 5.6%

18 and over 2.9%

Married-couple families 1.2%

Female-led households 10.4%

Income support

Source	% of households
Social Security	32.6%
Retirement income	30.7%
Supplemental Security	3.3%
Cash public assistance	1.2%
Food stamps / SNAP	2.0%

Health indicators

Condition	%
Obesity	30.0%
High blood pressure	25.2%
High cholesterol	32.0%
Diabetes	7.2%
Heart disease	4.9%
Stroke	2.1%
Asthma	8.4%
Arthritis	22.3%
Kidney disease	2.1%
Pulmonary disease	5.0%
Cancer	6.3%

Behavior / access	%
Smoking	14.1%
Binge drinking	21.0%
No physical activity	18.9%
Less than 7 hrs sleep	31.4%
Depression	22.1%
Fair or poor health	10.0%
Poor mental health	13.5%
Poor physical health	8.2%
No health insurance	10.6%
Visited doctor (checkup)	73.9%
Visited dentist	70.1%
Cholesterol screening	91.0%
Teeth loss	9.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,992	6.0%

Disability	%
Any disability	11.0%
Under 18	4.8%
18–64 years	7.3%
65 and over	32.6%

Health insurance coverage

Type	%
Private insurance	86.2%
Public insurance	22.6%
No insurance	3.2%
Uninsured under 19	1.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	40,792	95.4%
Spanish	404	1.0%
Other Indo-European	134	0.3%
Asian & Pacific Islander	185	0.5%
Other languages	68	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	40,949	95.8%
Born in same state	40,410	94.6%
Born in different state	29,111	68.1%
Foreign born	539	1.3%
Naturalized citizen	1,789	4.2%
Not a US citizen	1,186	66.3%

Ancestry

Ancestry	Count	%
Italian	8,203	19.2%
French	5,080	11.9%
Arab	2,366	5.5%
Polish	351	0.8%
English	305	0.7%

Ancestry	Count	%
Norwegian	167	0.4%
Irish	127	0.3%
German	81	0.2%
Dutch	35	0.1%

Technology access

Metric	% of households
Computer access	37.3%
Internet access	96.2%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 63304

What city is ZIP code 63304 in?

ZIP code 63304 is primarily assigned to Saint Charles, Missouri.

What county is ZIP code 63304 in?

ZIP code 63304 falls within Saint Charles County, Missouri.

Is ZIP code 63304 mostly owner-occupied?

89% of occupied units in ZIP code 63304 are owner-occupied, well above the national average.

How educated is the population of ZIP code 63304?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 63304?

The median household income in ZIP code 63304 is $111,114, above the national median of ~$75,000.

What is the population of ZIP code 63304?

ZIP code 63304 has an estimated population of 42,738 residents, with a density of 776 people per square mile.

What timezone is ZIP code 63304 in?

ZIP code 63304 observes the CST timezone.