The median home in Saint Charles, Illinois is valued at $447,875, up 5.0% year over year. Typical monthly rent is $1,871, producing a price-to-rent ratio of 19.9x — near the national average of 18x. Saint Charles is part of the Chicago-Naperville-Elgin, IL-IN-WI metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$447,875

+5.0%

Rent$1,871/mo

Prices rising — worse for buyers.

Affordability

Enter your income for Saint Charles.

Income (annual)

Down Payment

$89,575 on $447,875

Example: $75,000 household income. Change it above to see your own.

Out of reach52% of income

Need $139,157/yr to afford.

PITI$3,247

P/I52%

Afford$241K

Gap-$206K

P&I $2,265Tax $832Ins $150

Renting $1,376/mo cheaper ($1,871 rent)6.50% 30yr, 20% down, county tax + IL ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Illinois

Compare Saint Charles with other housing markets across Illinois.

Kenilworth$1.93M Winnetka$1.73M Glencoe$1.51M Bannockburn$1.22M Golf$1.19M Hinsdale$1.18M Lake Forest$1.14M South Barrington$1.08M

Full Chicago-Naperville-Elgin, IL-IN-WI analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Chicago-Naperville-Elgin, IL-IN-WI metro.

View Chicago-Naperville-Elgin, IL-IN-WI metro

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.

Saint Charles, IL