PlainZIP

Saint Charles, MO · standard

ZIP Code 63304

St. Charles County, Missouri - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

40,336
372/sq mi
$114,442
Median income
$351,000
Median home value
49.3%
Bachelor's or higher

The verdict

Saint Charles pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.

Top 12%
household income, US ZIPs
Top 26%
home value, US ZIPs
372
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 63304 against every reporting US ZIP.

ZIP code 63304 is a densely settled ZIP (a standard USPS delivery area) in Saint Charles, St. Charles County, Missouri, with 40,336 residents across 108.4 square miles, a density of 372 people per square mile, in the Chicago time zone.

ZIP 63304 skews affluent, with a median household income of $114,442 (71% above the Missouri average), while per-capita income is $60,115. 3.5% of residents live below the poverty line, and the unemployment rate reads 3.5%. Median home value sits at $351,000 (84% above the state average), median rent at $1,749 a month, and owner-occupancy at 87.7%.

A solid share of residents have a four-year degree: 49.3% of adults hold a bachelor's degree or higher, the median age is 40.7, and the average commute is 24 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing St. Charles County, so you can benchmark 63304 against its immediate geography rather than a national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 63304

Top 5 sectors by establishment count in Saint Charles, MO

Which industries have the most business establishments in ZIP 63304.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 63304, Saint Charles, MO · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

40,336

Population

108.4

Area (sq mi)

372

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 63304?

40.7

Median Age

49.4%

Male

50.6%

Female

4.2%

Foreign-Born

White 88.0%
African American 4.6%
Asian 1.7%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.7%
Hispanic or Latino 4.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$114,442

Median Household Income

+71% vs state

$60,115

Per Capita Income

3.5%

Poverty Rate

3.5%

Unemployment Rate

24.4 min

Mean Commute Time

How ZIP 63304 ranks nationally

Saint Charles, MO household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$114,442 Top 12% higher than 88% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 68.3%
Bachelor's Degree or Higher 49.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

16,690

Total Housing Units

16,284

Occupied Units

406

Vacant Units

2.65

Avg Household Size

Occupancy Type

Owner 87.7%
Renter 12.3%

$351,000

Median Home Value

+84% vs state

$1,749

Median Rent

1991

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+5.7%

YoY Change (2024)

246

HPI Index (2000 = 100)

+146%

Total Change Since 2000

Home values in ZIP 63304 have increased 5.7% over the past year (2024). Since 2000, this ZIP has seen +146% cumulative appreciation.

Year Annual Change HPI Index
2020 +5.0% 173
2021 +9.9% 190
2022 +15.6% 220
2023 +6.0% 233
2024 +5.7% 246

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 958 business establishments in ZIP 63304, employing approximately 12,151 people with a combined annual payroll of $631,230,000.

958

Businesses

12,151

Employees

$631.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 127 13.3%
Other services (except public administration) 114 11.9%
Health care and social assistance 101 10.5%
Professional, scientific, and technical services 87 9.1%
Accommodation and food services 87 9.1%
Retail trade 84 8.8%
Administrative and support and waste management and remediation services 79 8.3%
Finance and insurance 68 7.1%
Real estate and rental and leasing 66 6.9%
Wholesale trade 34 3.5%
Arts, entertainment, and recreation 29 3.0%
Manufacturing 24 2.5%
Transportation and warehousing 24 2.5%
Information 21 2.2%
Educational services 9 0.9%
Management of companies and enterprises 4 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 63304 vs 63005 →

ZIP 63304 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 63304 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 63304 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 63304 ranks #9 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
63005 Chesterfield, MO 17,753 4.4 mi
63368 O Fallon, MO 43,360 4.7 mi
63038 Wildwood, MO 6,914 8.6 mi
63376 Saint Peters, MO 70,828 7.0 mi
63303 Saint Charles, MO 45,834 7.0 mi
63040 Wildwood, MO 8,512 9.3 mi
63341 Defiance, MO 3,530 8.2 mi
63017 Chesterfield, MO 41,470 7.9 mi
63367 Lake Saint Louis, MO 19,433 8.6 mi
63011 Ballwin, MO 36,347 9.1 mi

More ZIP Codes in St. Charles County

63376 standard
Saint Peters, MO
Pop: 70,828
63301 standard
Saint Charles, MO
Pop: 48,514
63366 standard
O Fallon, MO
Pop: 46,175
63303 standard
Saint Charles, MO
Pop: 45,834
63368 standard
O Fallon, MO
Pop: 43,360
63385 standard
Wentzville, MO
Pop: 35,750

Related Areas

St. Charles County Saint Charles, MO Missouri

Frequently Asked Questions

What county is ZIP code 63304 in? ▼
ZIP code 63304 (Saint Charles) is located in St. Charles County, Missouri. St. Charles County contains multiple ZIP codes, see the full list at /counties/st-charles-mo.
What is the population of ZIP code 63304? ▼
ZIP code 63304 in Saint Charles, MO has a population of 40,336 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 63304? ▼
The median household income in ZIP 63304 is $114,442, which is 50% above the national average of $76,288.
What is the average home value in ZIP 63304? ▼
The median home value in ZIP 63304 is $351,000, which is 26% above the national average of $278,155.
What is the demographic makeup of ZIP 63304? ▼
The largest racial group in ZIP 63304 is White at 88.0%. Hispanic or Latino residents make up 4.1% of the population.
How many businesses are in ZIP code 63304? ▼
ZIP code 63304 has 958 business establishments employing approximately 12,151 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 63304? ▼
The top industries by establishment count in ZIP 63304 are: Construction (127), Other services (except public administration) (114), Health care and social assistance (101). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 63304? ▼
According to the FHFA House Price Index, home values in ZIP 63304 increased by 5.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 146%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 63304? ▼
In ZIP code 63304, 68.3% of residents aged 25+ have a high school diploma or higher, and 49.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 63304? ▼
The mean commute time for workers in ZIP code 63304 is 24.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 63304? ▼
In ZIP code 63304, approximately 87.7% of occupied housing units are owner-occupied and 12.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 63304? ▼
The poverty rate in ZIP code 63304 is 3.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.