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.

See the full metro analysis: Chicago-Naperville-Elgin, IL-IN-WI stress score, crash risk, and 12-month forecast →

Home Value$447,875

+5.0%

Rent$1,871/mo

AFFORDABILITY

Enter your income for Saint Charles.

Income (annual)

Down Payment

$89,575 on $447,875

Out of reach — 52% 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$1927K Winnetka$1731K Glencoe$1507K Bannockburn$1222K Golf$1186K Hinsdale$1182K Lake Forest$1136K South Barrington$1077K

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 →

SAINT CHARLES, IL