ZIP Code Tabulation Area

63304

Saint Charles, MO · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
43,195
Median household income
$114,442
People below poverty
3.5%
Median home value
$351,000

Income

The median income of households in 63304 was $114,442. An estimated 1.3% of households had income below $10,000 a year and 21.4% had income of $200,000 or more.

Household Income in 63304 in 2020-2024

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Percent
Less than $10,000 1.3
$10,000 to $14,999 0.5
$15,000 to $24,999 2.8
$25,000 to $34,999 2.9
$35,000 to $49,999 5.4
$50,000 to $74,999 13.6
$75,000 to $99,999 15.4
$100,000 to $149,999 22.2
$150,000 to $199,999 14.5
$200,000 or more 21.4

Median Earnings for Full-Time Year-Round Workers by Sex in 63304 in 2020-2024

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Dollars
Male 87895
Female 63758

An estimated 80.5% of households received earnings. An estimated 30.9% of households received Social Security and an estimated 33.1 % of households received retirement income other than Social Security. The average income from Social Security was $30,475. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 63304 in 2020-2024

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Percent
Earnings 80.5
Social Security 30.9
Retirement income 33.1
Supplemental Security Income (SSI) 2.8
Cash public assistance income 0.7

Poverty and Participation in Government Programs

In 2020-2024, 3.5 % of people were in poverty. An estimated 5.3% of children under 18 were below the poverty level, compared with 2.1% of people 65 years old and over. An estimated 3.2% of people 18 to 64 years were below the poverty level.

Poverty Rates in 63304 in 2020-2024

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Percent
People in poverty 3.5
Children under 18 years below poverty 5.3
People 65 years old and over below poverty 2.1
People 18 to 64 years below poverty 3.2

In 2020-2024, 1.8 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 54.9% of households that received SNAP had children under 18, and 29% of households that received SNAP had one or more people 60 years and over. An estimated 48.5% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 63304 in 2020-2024, 97.6% had health insurance coverage and 2.4% did not have health insurance coverage. Private coverage was 86.9% and public coverage was 23.2%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 2.2%.


In 2020-2024, 63304 had a total population of 43,195 - 21,873 (50.6%) females and 21,322 (49.4%) males. The median age was 40.7 years. An estimated 23.5% of the population was under 18 years, 30.1% was 19 to 44 years, 26% was 45 to 64 years, and 18.4 % was 65 years and older.

Population by Age and Sex for 63304 in 2020-2024

Male Female
Under 5 943 1241
5 to 9 1312 1444
10 to 14 1617 1667
15 to 19 1499 1259
20 to 24 1128 1070
25 to 29 1095 973
30 to 34 1364 1349
35 to 39 1778 1320
40 to 44 1410 1506
45 to 49 1301 1577
50 to 54 1273 1287
55 to 59 1334 1352
60 to 64 1625 1506
65 to 69 1331 1307
70 to 74 1068 1175
75 to 79 536 747
80 to 84 441 417
85 and over 267 676

Hispanic Origin and Race

For people reporting one race alone, 88% were White; 4.6% were Black or African American; 9.3% were American Indian and Alaska Native; 1.7% were Asian; 2.2% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 4.7% reported Two or More Races. An estimated 4.1% of the people in 63304 were Hispanic or Latino. An estimated 86.5% of the people in 63304 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 16,284 households in 63304. The average household size was 2.65 people.

Married-couple households made up 64.4% of the households in 63304 while cohabiting couple households made up 5.7% of households. Female householders with no spouse or partner present were 18.8% of all households, while 11% of households had male householders with no spouse or partner present. Some households had one person, as 6.5% of households were male householders living alone, and 10.9% were female householders living alone, for a total of 17.4% of all households.

In 63304, 33.8% of all households had one or more people under the age of 18; 31.8% of all households had one or more people 65 years and over.

Types of Households in 63304 in 2020-2024

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Percent
Married-couple households 64.4
Cohabiting Couples 5.7
Male Householder
No spouse/partner present
11
Female Householder
No spouse/partner present
18.8

Marital Status

Among persons 15 and older, 61.8% of males and 61.1% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 28.7 22.4
Now married, except separated 61.8 61.1
Separated 0.7 0.7
Widowed 2 7.3
Divorced 6.8 8.6

Grandparents and Grandchildren

In 63304, 622 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 58.7% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 95.8% of the people living in 63304 were U.S. natives. 69.1% of the 63304 population were living in the state where they were born.

Approximately 4.2% of 63304 residents in 2020-2024 were foreign-born. 61% of foreign-born were naturalized U.S. citizens and an estimated 64.1 % entered the country before the year 2010.

Foreign-born residents of 63304 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 63304.

Region of Birth for the Foreign-Born Population in 63304 in 2020-2024

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Percent
Latin America 22.5
Asia 38.6
Europe 19.9
Africa 14.4
Northern America 3.6
Oceania 1

Language

Among people at least five years old living in 63304 in 2020-2024, 4.6 % spoke a language other than English at home. Spanish was spoken by 1.2% of people at least five years old; 1% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 63304 in 2020-2024

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Percent
Spanish 1.2
Other Indo-European languages 2.2
Asian and Pacific Islander languages 0.6
Other languages 0.6

Geographic Mobility

In 2020-2024, 91.9 % of the people at least one year old living in 63304 were living in the same house one year earlier.

Geographic Mobility of Residents of 63304 in 2020-2024

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Percent
Same house 91.9
Different house, same county 3.3
Different county, same state 2.8
Different state 1.3
Abroad 0.7

Education

In 2020-2024, 97 % of people 25 years and over had at least graduated from high school and 49.3% had a bachelor's degree or higher. An estimated 3% did not complete high school.

The total school enrollment in 63304 was 10,492 in 2020-2024. Nursery school enrollment was 674 and kindergarten through 12th grade enrollment was 7,964. College or graduate school enrollment was 1,854.

Educational Attainment of People in 63304 in 2020-2024

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Percent
Less than high school diploma 3
High school diploma or equivalency 19
Some college, no degree 19.7
Associate's degree 8.9
Bachelor's degree 29.8
Graduate or professional degree 19.5

Disability

In 63304, among the civilian noninstitutionalized population in 2020-2024, 10.8 % reported a disability. The likelihood of having a disability varied by age - from 4.3% of people under 18 years old, to 7.4% of people 18 to 64 years old, and to 30% of those 65 and over.


Employment Status and Type of Employer

In 63304, 66.7 % of the population 16 and over were employed; 30.9% were not currently in the labor force.

An estimated 85.4% of the people employed were private wage and salary workers; 9.7% were federal, state, or local government workers; and 4.5 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 19,614 85.4
Federal, state, or local government workers 2,222 9.7
Self-employed workers in own not incorporated business 1,038 4.5

Industries

In 2020-2024, the civilian employed population 16 years and older in 63304 worked in the following industries:

Percent by Industry in 63304 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.6
Construction 5.6
Manufacturing 12.4
Wholesale trade 3.2
Retail trade 10.6
Transportation and warehousing, and utilities 4.8
Information 2.2
Finance and insurance, and real estate and rental and leasing 11.9
Professional, scientific, and management, and administrative and waste management services 9.3
Educational services, and health care and social assistance 23.9
Arts, entertainment, and recreation, and accommodation, and food services 8.4
Other Services, except public administration 4.7
Public administration 2.7

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 63304 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 12,337 53.7
Service occupations 2,719 11.8
Sales and office occupations 4,600 20
Natural resources, construction, and maintenance occupations 1,339 5.8
Production, transportation, and material moving occupations 1,966 8.6

Commuting to Work

An estimated 73.6% of 63304 workers drove to work alone in 2020-2024, and 5.3% carpooled. Among those who commuted to work, it took them on average 24.4 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 63304 in 2020-2024

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Percent
Car, truck, van -- drove alone 73.6
Car, truck, van -- carpooled 5.3
Public transportation (excluding taxicab) 0
Walked 0.6
Other means 1
Worked from home 19.5

In 2020-2024, 63304 had a total of 16,690 housing units. Of these housing units, 89.1% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 10.6% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 0.3% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 63304 in 2020-2024

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Percent
Single-family houses 89.1
Apartments in multi-unit structures 10.6
Mobile homes 0.3
Boat, RV, van, etc 0

12.7% of the housing inventory was comprised of houses built since 2010, while 0.6% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 63304 was 7 rooms, and of these housing units 85.3% had three or more bedrooms.


In 2020-2024, 63304 had 16,284 housing units that were occupied or had people living in them, while the remaining 406 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 87.7% while renters occupied 12.3%. The average household size of owner-occupied houses was 2.73 and in renter-occupied houses it was 2.05.

4% of householders of these occupied houses had moved into their house since 2021, while 9.1% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 3.7% and another 29.6% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 63304:

House Heating Fuel Used in 63304 in 2020-2024

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Percent
Gas 75.6
Electricity 23.7
Fuel oil, kerosene, etc 0.1
All other fuels 0.3
No fuel used 0.4

In 2020-2024, the median property value for owner-occupied houses in 63304 was $351,000.

Of the owner-occupied households, 68.6 % had a mortgage. 31.4% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $1,905 and for owners without a mortgage it was $760.

For renter-occupied houses, the median gross rent for 63304 was $1,749. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.