St. Charles: Housing & Real Estate
St. Charles homes sell at a median $256,600 (estimated market value runs 8% higher at $276,007), with median rent $1,001 (1.2× higher than Winona County median $803; 1.2× below Minnesota median $1,170). Homeownership rate: 80.8%. That's 1.3× higher than the Winona County median ($203,500); 1.1× below the Minnesota median ($290,542). Market is warm. Vacancy rate 5.1%. New construction makes up 4.5% of stock. A municipal building code is in effect.
- 2.7× annual income — home value vs. household income (vs Minnesota 3.2×).
- 21.4 years to break even renting at the median (vs Minnesota 21y).
- 4-BR rent is 2.0× a studio — rent gradient by unit size.
- Median rent 6% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $256,600 — 0.9× the Minnesota median ($290,541). Median rent $1,001/month. homeownership rate 80.8% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 2.7× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 11.7% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 16.5% |
| Affordability · Poverty Rate | 3.2% |
| Affordability · Property Tax Pct Income | 2.4% |
| Fair Market Rent · Studio rent | $791 |
| Fair Market Rent · One-bedroom rent | $868 |
| Fair Market Rent · Two-bedroom rent | $1,066 |
| Fair Market Rent · Three-bedroom rent | $1,336 |
| Fair Market Rent · Four-bedroom rent | $1,543 |
| Fair Market Rent · HUD FMR area | Winona County, MN |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $276,007 |
| Median Home Value | $256,600 (vs Minnesota $290,542) |
| Median Rent | $1,001 (vs Minnesota $1,170) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 5.1% |
| Housing Market · New construction (% of stock) | 4.5% |
| Housing Market · Price Appreciation 2Yr | 10.9% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 4.5% |
| Broadband · Broadband-capable premises | 1,983 |
| Electricity · Electricity rate (¢/kWh) | 15.45¢/kWh |
| Electricity · Customers | 2,581,180 |
| Electricity · Revenue Millions | $3,409 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 2 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 80.8% |
|---|---|
| Median Year Built | 1975 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12