ZIP Code · MO

ZIP 63304

Part of Saint Charles, MO

Pop. 43,195·Saint Charles County·23rd most expensive ZIP in Missouri

Median rent (all units)

$1,696/mo

Year-over-Year

+6.4%

Month-over-Month

+1.0%

vs US Median

-$236

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 63304 · $1,696

More affordable than 58% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,360

1 BR

$1,410

2 BR

$1,730

3 BR

$2,230

4 BR+

$2,570

Research median

$1,730/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 63304 is at its highest level since Zillow's records here began in April 2022.

Past year vs. the rest of Missouri

Rent in ZIP 63304 changed +6.4% over the year to September 2026. Across the 119 Missouri ZIP codes Zillow tracks, the typical change was +4.6%.

Recent direction

Rent rose in 9 of the last 12 months.

What a typical income covers

30% of the median household income ($114,442) is $2,861 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,570).

Rank in Saint Charles

3rd cheapest of 3 ZIP codes in Saint Charles.

From Zillow's monthly rent index (ZORI) for ZIP 63304. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$20,352/yr

At $1,696/mo median

Location

CitySaint Charles

StateMO

CountySaint Charles County

Rent Market Meter

Strong Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are up 6.4% year-over-year. Expect competition, and move quickly to lock in terms.

Based on rent-price momentum (+6.4% YoY, +1.0% MoM), not inventory.

Demographics

Who lives here

ZIP 63304 (Saint Charles, MO) is majority owner-occupied, has a median income above the national average, 49.3% of residents hold a bachelor's degree or higher.

Population

43,195

Median income

$114,442

Median age

40.7

Renters

12.3%

Age distribution

23.5%

18%

26.5%

13.5%

18.4%

Under 1823.5%

18–3418%

35–5426.5%

55–6413.5%

65+18.4%

Gender

49.4%

50.6%

Male49.4%

Female50.6%

Race & ethnicity

88%

White88%

Black4.6%

Hispanic4.1%

Asian1.7%

Other1.6%

Education (25+)

19%

28.6%

49.3%

No HS diploma3%

HS diploma19%

Some college28.6%

Bachelor's+49.3%

Housing tenure

87.7%

12.3%

Owner87.7%

Renter12.3%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 63304 in Saint Charles, MO has changed in 5 years

Rent

$1,353 → $1,696

up 25.4%

Income

$103,766 → $114,442

up 10.3%

Population

42,342 → 43,195

up 2.0%

Renter share

9.7% → 12.3%

+2.6 pts

Bachelor's+

46.3% → 49.3%

+3.0 pts

Median age

41.9 → 40.7

-1.2 yrs

The median rent in ZIP 63304 in Saint Charles, MO stood at $1,353 in 2022 and currently runs about $1,696, reflecting a 25.4% increase over the period. Household income in the area moved from $103,766 to $114,442 across the same window, up 10.3% versus 2021. That spread, with rent up faster than earnings, points to a tougher affordability environment than five years ago. The population has grown by 2.0% since 2021, moving from about 42,342 residents to roughly 43,195. Renters now make up 12.3% of households, compared with 9.7% five years ago. College-educated residents now make up 49.3% of adults here, versus 46.3% in 2021. Reading these numbers side by side helps frame whether current listings in ZIP 63304 in Saint Charles, MO look reasonable against where the market sat half a decade ago.

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Local insights

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About renting in ZIP 63304

Last updated: October 17, 2026

ZIP code 63304 covers Saint Charles, MO. The median rent here is $1,696/mo as of October 2026. A 1-bedroom rents for a median of $1,410/mo. A 2-bedroom rents for a median of $1,730/mo.

At 18% of local median household income ($114,442/yr), ZIP 63304 ranks as affordable compared to the national benchmark of 30%. Rents have increased 6.4% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 63304?

To keep rent at or below 30% of gross income, you would need to earn at least $68,000/year (about $33/hour full-time) to afford the median rent of $1,696/mo in ZIP 63304. The local median household income is $114,442/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 63304?

Rent in ZIP 63304 has risen 6.4% over the past year as of September 2026. That is the highest level since Zillow's records here began in April 2022.

How does ZIP 63304 compare to other ZIPs in Missouri?

ZIP 63304 is one of the pricier among Missouri ZIP codes for rent, ranking #23 of 137 at $1,696/mo. Over the year to September 2026, rent in ZIP 63304 changed +6.4%, against a typical +4.6% across the 119 Missouri ZIP codes Zillow tracks.