St. Charles: Housing & Real Estate
Housing in St. Charles centers on a median value of $55,700 (estimated market value runs 5% higher at $58,596), with median rent $738 (1.1× below Hopkins County median $815; 1.2× below Kentucky median $884). Homeownership rate: 60.9%. That's 2.3× below the Hopkins County median ($125,800); 3.3× below the Kentucky median ($181,606). Market is cold. Vacancy rate 15.2%. New construction makes up 2.1% of stock. A municipal building code is in effect.
- 1.2× annual income — home value vs. household income (vs Kentucky 2.8×).
- 6.3 years to break even renting at the median (vs Kentucky 17y).
- 4-BR rent is 2.0× a studio — rent gradient by unit size.
- Median rent 18% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $55,700 — 0.3× the Kentucky median ($181,606). Median rent $738/month. homeownership rate 60.9% — below the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.2× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 24.5% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 46.2% |
| Affordability · Poverty Rate | 33.8% |
| Affordability · Property Tax Pct Income | 0.9% |
| Fair Market Rent · Studio rent | $662 |
| Fair Market Rent · One-bedroom rent | $686 |
| Fair Market Rent · Two-bedroom rent | $900 |
| Fair Market Rent · Three-bedroom rent | $1,163 |
| Fair Market Rent · Four-bedroom rent | $1,330 |
| Fair Market Rent · HUD FMR area | Hopkins County, KY |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $58,596 |
| Median Home Value | $55,700 (vs Kentucky $181,606) |
| Median Rent | $738 (vs Kentucky $884) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | cold |
|---|---|
| Housing Market · Vacancy rate | 15.2% |
| Housing Market · New construction (% of stock) | 2.1% |
| Housing Market · Price Appreciation 2Yr | 2.2% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% |
| Broadband · Broadband-capable premises | 145 |
| Electricity · Electricity rate (¢/kWh) | 12.79¢/kWh |
| Electricity · Customers | 2,077,215 |
| Electricity · Revenue Millions | $3,335 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 10 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 60.9% |
|---|---|
| Median Year Built | 1972 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12