St. Charles, KY population, income and ZIP codes

St. Charles city is a very small community in Kentucky, with 308 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #413 of 554 ranked by population — larger than 25% of them. The median age here is 35.2 years against 39.1 nationally, a slightly younger profile than the country as a whole. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in St. Charles city earn a median of $40,000 a year, 49.1% below the national figure of $78,538 and 28% below the $55,469 median for the 246 Kentucky cities we cover. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 45.1% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in St. Charles city is valued at $54,500, 82% below the national figure and 65% below the $157,200 peer median, while median gross rent runs $913 a month, 35.1% below the national figure, or roughly $10,956 across a full year. A household on the local median income would put about 27.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 1.4×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 60.7% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

With 308 residents, a handful of survey responses moves every median on this page. Compare St. Charles city against its county rather than against national figures.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.