St. Charles County, Missouri has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $320,800, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $104,692 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $320,800 |
| Missouri median home value | $230,300 |
| Limit ÷ median home value | 2.60× |
| Median household income | $104,692 |
| Median home value ÷ income | 3.1× |
| Population | 414,535 |
| Median property tax paid (owners) | $3,480 |
| Effective property tax rate (approx.) | 1.08% |
| Owner-occupied homes | 80.5% |
| Home value rank in Missouri | 2 of 115 counties |
| Neighbor: Calhoun County, IL | limit $832,750; median home $190,900 |
| Neighbor: Jersey County, IL | limit $832,750; median home $171,900 |
| Neighbor: Madison County, IL | limit $832,750; median home $173,000 |
| Neighbor: Franklin County, MO | limit $832,750; median home $227,600 |
| Neighbor: Lincoln County, MO | limit $832,750; median home $244,300 |
| Neighbor: St. Louis County, MO | limit $832,750; median home $276,800 |
| Neighbor: Warren County, MO | limit $832,750; median home $260,400 |
Across Missouri's 115 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. St. Charles County's median home value is 39% above the state median of $230,300 (rank 2 of 115). Among its 7 neighboring counties, St. Louis County has the highest median home value ($276,800) and Jersey County the lowest ($171,900); all share the same loan limit. Owners pay a median $3,480 a year in property tax, an effective rate of about 1.08% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
Related
- 2026 conforming loan limit: Spokane County, WA
- 2026 conforming loan limit: Spotsylvania County, VA
- 2026 conforming loan limit: St. Bernard Parish, LA
- 2026 conforming loan limit: St. Charles Parish, LA
- 2026 conforming loan limit: St. Clair County, AL
- 2026 conforming loan limit: St. Clair County, IL
- 2026 conforming loan limit: St. Clair County, MI
- 2026 conforming loan limit: St. Clair County, MO
Last updated 2026-10-16. Data only, not financial or tax advice.