Saint Charles ZIP Code List — Saint Charles County, MO

There are 4 unique ZIP codes in Saint Charles, Missouri. Area code: 636.

ZIP codes

159.18

sq mi land

14.78

sq mi water

636

area code

Saint Charles, MO ZIP code map

About Saint Charles, MO

Saint Charles, Missouri, is a charming city located in Saint Charles County, known for its rich history and vibrant community. With a blend of modern amenities and historical landmarks, it attracts both residents and visitors alike. The city is a hub of activity along the scenic Missouri River, making it a picturesque place to live and explore.

Location & geography

Saint Charles is situated in east-central Missouri, just northwest of St. Louis, which is approximately 25 miles away. The city covers a total land area of 289.14 square miles, with an additional 22.86 square miles of water, offering a diverse landscape. Nearby communities include O'Fallon, about 10 miles to the west, and St. Peters, located roughly 5 miles to the south.

Community & economy

The character of Saint Charles is defined by its friendly neighborhoods and active community engagement, making it a great place for families and individuals alike. The local economy thrives on a mix of industries, including retail, healthcare, and manufacturing, with an emphasis on fostering small businesses. Daily life in Saint Charles offers residents a variety of parks, recreational facilities, and cultural events, providing ample opportunities for leisure and socialization.

Transportation

Saint Charles is strategically located along several major highways, including Interstate 70, which facilitates easy travel to nearby cities and regions. The nearest airport is Lambert-St. Louis International Airport, located approximately 20 miles to the southeast, offering a range of domestic and international flights. Public transit options, including bus services, make it convenient for residents to navigate around the city and beyond.

History

Saint Charles was founded in the early 19th century, making it one of the oldest settlements in Missouri, with its historical roots deeply linked to the westward expansion of the United States. Key industries during its development included transportation and trade along the Missouri River, which played a significant role in the area's economy. Notable events in the city's history include being the first capital of Missouri, where the first state legislature convened.

Did you know?

One surprising fact about Saint Charles is that it is home to the historic Main Street, which features many restored buildings from the 19th century, showcasing its rich history. Additionally, the city's vibrant culture is reflected in annual events like the Festival of the Little Hills, celebrating local artisans and its community spirit.

ZIP codes for Saint Charles, MO (4)

ZIP code	City	County	Map
63301	Saint Charles	Saint Charles	View map
63302	Saint Charles	Saint Charles	View map
63303	Saint Charles	Saint Charles	View map
63304	Saint Charles	Saint Charles	View map

Demographics & statistics

141,424

Population

39.8

Median age

$94,442

Median household income

$49,841

Per capita income

$272,000

Median home value

$1,243

Median monthly rent

77.7%

Home ownership

4.9%

Poverty rate

3.2%

Unemployment

46,867

Housing units

44.2%

Bachelor's or higher

Age distribution

Male Female

3,383

Under 5

3,475

3,977

5–9

4,084

3,801

10–14

3,903

4,163

15–19

4,275

5,166

20–24

5,305

9,821

25–34

10,086

8,652

35–44

8,887

8,183

45–54

8,404

5,320

55–59

5,464

5,076

60–64

5,214

7,051

65–74

7,242

3,612

75–84

3,710

1,564

85+

1,606

← Male

Female →

Age summary

Group	Count	%
Under 18	27,356	19.5%
18 and over	114,068	80.5%
65 and over	24,785	17.5%
Median age	39.8 years

Race & ethnicity

White 82.2%

Black or African American 5.8%

Two or more races 4.6%

Asian 3%

Hispanic or Latino 3%

Other race 1.3%

American Indian / Alaska Native 0.1%

Native Hawaiian / Pacific Islander 0.1%

Group	Count	%
White	119,847	82.2%
Black or African American	8,420	5.8%
Two or more races	6,632	4.6%
Asian	4,364	3%
Hispanic or Latino	4,327	3%
Other race	1,876	1.3%
American Indian / Alaska Native	176	0.1%
Native Hawaiian / Pacific Islander	109	0.1%

Household income

Under $10k 2.3%

$10k–$15k 1.2%

$15k–$25k 3.7%

$25k–$35k 5.2%

$35k–$50k 9.6%

$50k–$75k 16.8%

$75k–$100k 14.0%

$100k–$150k 20.8%

$150k–$200k 12.5%

$200k+ 13.8%

Range	% of households
Under $10k	2.3%
$10k–$15k	1.2%
$15k–$25k	3.7%
$25k–$35k	5.2%
$35k–$50k	9.6%
$50k–$75k	16.8%
$75k–$100k	14.0%
$100k–$150k	20.8%
$150k–$200k	12.5%
$200k+	13.8%
Median income	$94,442

Housing

Home values

Under $50k 3.7%

$50k–$100k 1.8%

$100k–$150k 5.4%

$150k–$200k 14.4%

$200k–$300k 34.3%

$300k–$500k 31.2%

$500k–$1M 7.6%

$1M+ 1.7%

Housing overview

Metric	Value
Median home value	$272,000
Median rent / month	$1,243
Owner occupied	77.7%
Renter occupied	22.3%
Vacant	4.5%
Single-family detached	71.7%
Large apartment buildings	5.2%
Mobile homes	2.5%
Median rooms	6.3
Avg household size (owned)	2.52

Year built

Era	%
2020 or later	0.7%
2010–2019	8.6%
2000–2009	12.6%
1990–1999	21.4%
1980–1989	21.4%
1970–1979	14.7%
1960–1969	10.1%
1950–1959	5.8%
1940–1949	1.3%
1939 or earlier	3.5%

Bedrooms

Size	% of units
No bedroom (studio)	2.0%
1 bedroom	6.8%
2 bedrooms	18.5%
3 bedrooms	42.4%
4 bedrooms	25.6%
5+ bedrooms	4.6%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	28.3%
2 vehicles	44.4%
3 or more	23.7%

Heating fuel

Fuel type	%
Utility gas	69.0%
Electricity	29.1%
Propane / LP gas	1.4%
Wood	0.1%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	30,699	54.4%
Cohabiting couple	3,620	6.2%
Male householder, no spouse	9,391	15.9%
Female householder, no spouse	13,734	23.6%
Households with children under 18	15,263	27.0%
Households with seniors (65+)	17,012	29.7%
Average household size	2.39

Marital status

Status	Male	Female
Never married	32.7%	26.8%
Married	55.5%	52.8%
Separated	0.7%	0.7%
Widowed	2.2%	8.4%
Divorced	9.0%	11.3%

Education

Less than 9th grade 1.5%

Some HS, no diploma 3.2%

HS graduate 22.3%

Some college, no degree 20.0%

Associate's degree 8.9%

Bachelor's degree 27.2%

Graduate / professional 17.0%

Metric	%
HS diploma or higher	95.3%
Bachelor's or higher	44.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	2,263	7.1%
Kindergarten	1,592	4.7%
Elementary school	12,404	38.6%
High school	6,174	19.1%
College / grad school	10,721	30.5%

Employment

Industry of employment

Education & healthcare 22.6%

Manufacturing 13.0%

Professional & management 11.8%

Finance & real estate 10.0%

Retail trade 9.8%

Arts, food & hospitality 8.4%

Construction 6.1%

Transportation & utilities 5.7%

Other services 4.1%

Wholesale trade 3.1%

Public administration 2.9%

Information 2.0%

Agriculture & mining 0.5%

Occupation

Category	%
Management, business & arts	49.6%
Service	12.8%
Sales & office	21.4%
Natural resources & construction	6.7%
Production & transportation	9.5%

Employment type

Type	%
Private sector	85.6%
Government	10.3%
Self-employed	3.8%
Unpaid family workers	0.3%

Commute

Method	%
Drive alone	78.5%
Carpool	5.5%
Public transit	0.2%
Walk	0.8%
Other means	1.2%
Avg commute (minutes)	23.4

Poverty

All people 4.9%

Under 18 years 6.8%

18 and over 4.5%

Married-couple families 1.3%

Female-led households 9.8%

Income support

Source	% of households
Social Security	30.3%
Retirement income	28.1%
Supplemental Security	3.5%
Cash public assistance	0.9%
Food stamps / SNAP	3.1%

Health indicators

Condition	%
High blood pressure	26.3%
High cholesterol	31.9%
Heart disease	5.5%
Stroke	2.4%
Asthma	8.7%
Arthritis	23.2%
Kidney disease	2.3%
Pulmonary disease	5.8%
Cancer	6.3%

Behavior / access	%
Binge drinking	20.7%
No physical activity	21.1%
Less than 7 hrs sleep	32.1%
Fair or poor health	11.7%
Poor mental health	14.4%
Poor physical health	9.1%
No health insurance	12.3%
Visited doctor (checkup)	73.9%
Visited dentist	66.4%
Cholesterol screening	89.4%
Teeth loss	12.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	7,342	6.4%

Disability	%
Any disability	11.6%
Under 18	4.5%
18–64 years	8.8%
65 and over	29.7%

Health insurance coverage

Type	%
Private insurance	83.3%
Public insurance	24.0%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	134,566	95.1%
Spanish	2,323	1.7%
Other Indo-European	1,050	0.7%
Asian & Pacific Islander	638	0.5%
Other languages	575	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	134,549	95.2%
Born in same state	133,071	94.1%
Born in different state	93,232	66.0%
Foreign born	1,478	1.0%
Naturalized citizen	6,875	4.8%
Not a US citizen	3,690	54.7%

Ancestry

Ancestry	Count	%
Italian	23,393	16.5%
French	16,066	11.4%
Arab	8,874	6.3%
English	1,604	1.1%
Polish	1,010	0.7%

Ancestry	Count	%
Dutch	554	0.4%
Irish	403	0.3%
German	370	0.3%
Norwegian	224	0.2%

Technology access

Metric	% of households
Computer access	40.5%
Internet access	96.2%

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

Frequently asked questions

What ZIP codes does Saint Charles, MO have?

Saint Charles, MO has 6 ZIP codes: 63301, 63303, 63303, 63304, 63304, 63304. Each ZIP code serves a distinct delivery area within the city and surrounding region.

What is the main ZIP code for Saint Charles, MO?

The primary ZIP code for Saint Charles, MO is 63301. The city uses area code 636 for phone service.

What county is Saint Charles, MO in?

Saint Charles is located in Saint Charles County, Missouri.

How many ZIP codes are in Saint Charles, MO?

Saint Charles, MO has 6 ZIP codes.

What ZIP code covers historic Downtown Saint Charles along the Missouri River?

Downtown Saint Charles, including the historic riverfront district and Main Street area, is primarily served by ZIP code 63301.

Which ZIP codes serve the Saint Charles County Courthouse area and central business district?

The Saint Charles County Courthouse and surrounding central business district are located in ZIP codes 63303 and 63304.