Residential delivery area · Missouri
ZIP Code 63304: Saint Charles, MO
ZIP code 63304 uses the postal name Saint Charles, Missouri and lies entirely in St. Charles County (Census 2020 ZIP-county file). About 43,000 people live there (Census Bureau, ACS 2020-2024), the least populous of Saint Charles's 3 residential ZIP codes. Median household income is $114,442 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Weldon Spring (14%), Cottleville (6%) and Weldon Spring Heights (under 1%), and 6% in smaller places; 75% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Saint Charles · 3 residential ZIPs
- County
- St. Charles County
- Census places
- Weldon Spring (14%); Cottleville (6%); Weldon Spring Heights (under 1%)
- Metro area
- St. Louis, MO-IL
- House districts
- MO-2 (55%), MO-3 (45%) 119th Congress, by share of land
- State
- Missouri
- Time zone
- Central
- Land area
- 55.1 sq mi · 784 people per sq mi
- PO Box ZIPs
- 63302 also use the name Saint Charles
Where is ZIP code 63304?
63304 centers on 38.706°, -90.686° and covers 55.1 square miles of land plus 3.3 of water. It borders 8 ZIP codes: 63368, 63005, 63341, 63376, 63303, 63017, 63073, 63385.
The map draws ZIP code areas only. For the streets inside 63304, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 63304 compare with the rest of Saint Charles?
| Measure | 63304 | In Saint Charles | In St. Charles County | In MO |
|---|---|---|---|---|
| People (ACS 2020-2024) | 43,195 | 3rd of 3 | 7th of 15 | 18th of 1,035 |
| Median household income | $114k | 1st of 3 | 5th of 11 | 28th of 479 |
| Median home value | $351k | 1st of 3 | 5th of 12 | 43rd of 494 |
Its median household income is higher than in 88% of U.S. residential ZIP codes, and it is denser than 76% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 63304?
The 2020 Census counted 42,028 people in 63304; the ACS, which samples households over 2020-2024, estimates 43,195. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 43,195
- 2020 Census count
- 42,028
- Households
- 16,284
- Median age
- 40.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 63304?
Of the 43,195 people the ACS estimates in 63304, 23.5% are under 18 and 18.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (86.5%).
- Under 1823.5%
- 18 to 6458.0%
- 65 and older18.4%
- White, not Hispanic86.5%
- Hispanic or Latino4.1%
- Black, not Hispanic4.1%
- Other or two or more3.7%
- Asian, not Hispanic1.6%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 63304 earn?
Median household income is $114,442 (ACS 2020-2024), the 5th highest of the 11 ranked ZIP codes in St. Charles County.
- Median household income
- $114,442
- Income per person
- $60,115
- Below the poverty line
- 3.5%
- Unemployed (of the labor force)
- 3.5%
- Adults 25+ with a bachelor's degree
- 49.3%
- Adjusted gross income per tax return, 2022
- $117,02621,490 returns; wages 67% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 63304?
FHFA's house price index for 63304, built from repeat sales and appraisals of the same homes, rose 95% from 2015 to 2025 and rose 51% from 2020 to 2025, and moved +4.5% in 2025.
- Median home value (owners' estimate)
- $351,000
- Median gross rent
- $1,749
- Homes owned by their occupants
- 87.7%
- Housing units
- 16,690
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 63304?
958 business establishments had a location in this ZIP code in 2023, 41 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction127
- Other services (except public administration)114
- Health care and social assistance101
- Professional, scientific, and technical services87
- Accommodation and food services87
- Retail trade84
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 63304?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 63368 | O Fallon | 46,966 | $124k | 3.9 mi |
| 63005 | Chesterfield | 19,779 | $199k | 4.7 mi |
| 63341 | Defiance | 3,515 | $171k | 7.2 mi |
| 63376 | Saint Peters | 74,962 | $96k | 7.7 mi |
| 63303 | Saint Charles | 46,089 | $99k | 8.0 mi |
| 63017 | Chesterfield | 43,243 | $127k | 8.5 mi |
| 63073 | Saint Albans | 803 | $250k+ | 9.5 mi |
| 63385 | Wentzville | 51,330 | $112k | 11.2 mi |
| 63367 | Lake Saint Louis | 29,725 | $138k | 7.5 mi (near) |
| 63038 | Wildwood | 7,107 | $187k | 9.0 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.