St. Charles County, Missouri

County Distress Index: Healthy · 22.0 | 416,659 people · 114th most distressed in Missouri
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St. Charles County, MO ranks among the least distressed counties in the country at 22.0 — 3089th nationally out of 3144 counties. The primary driver is Housing Cost Burden, where housing remains relatively affordable compared to local incomes. Within Missouri, it ranks 114th of 115 counties. It scores lower than all 7 of its neighboring counties.

The Numbers Behind the Score

The CDI measures five domains of financial distress. St. Charles County's primary driver is Housing Cost Burden at 36.9 — above the national median.

Housing Cost Burden Primary driver 36.9
Rent-Burdened (30%+) 49
Severely Rent-Burdened (50%+) 41
Mortgage-Burdened (30%+) 76
Homeownership Rate 16
Rent-to-Income Ratio 2
Debt & Delinquency 33.8
Debt in Collections 22
Medical Debt 53
Student Loan Delinquency 12
Auto Loan Delinquency 27
Credit Card Delinquency 18
Bankruptcy Filing Rate 71
Employment & Wages 27.7
Unemployment Rate 13
Wage-to-Rent Ratio 45
Business Formation Rate 25
Community Vulnerability 10.4
Uninsured Rate 11
Disability Rate 10
Income & Poverty 1.1
Poverty Rate 1
Income vs. State Median 1
Child Poverty Rate 1

Scores are percentile-based: 50 = national median, higher = more distressed. The median line is shown on each bar.

Neighbors and Peers

How St. Charles County compares to its 7 neighboring counties and population peers.

Neighboring Counties

County Score Zone vs. St. Charles County
St. Charles County, MO 22.0 Healthy —
Madison County, IL 44.2 Normal +22.2
Jersey County, IL 40.9 Normal +18.9
Franklin County, MO 38.3 Normal +16.3
Calhoun County, IL 38.1 Normal +16.1
Warren County, MO 38.0 Normal +16.0
Lincoln County, MO 37.9 Normal +15.9
St. Louis County, MO 33.0 Healthy +11.0

Population Peers

County Score Zone vs. St. Charles County
Johnson County, KS 22.3 Healthy +0.4
Waukesha County, WI 21.3 Healthy -0.6
Warren County, OH 21.2 Healthy -0.7
Loudoun County, VA 22.8 Healthy +0.9
Douglas County, CO 23.2 Healthy +1.3

Download Data

Export all distress indicators for St. Charles County as a CSV file.

Find Help in St. Charles County

Find an Attorney

Missouri Bar — Lawyer Referral Service offers a lawyer referral service for bankruptcy, foreclosure defense, and consumer rights.

Missouri Bar — Lawyer Referral Service 573-635-4128

Free Legal Aid

Legal aid organizations serving St. Charles County residents at no cost.

Legal Services of Eastern Missouri 314-534-4200 (St. Louis); 1-800-444-0514 (statewide hotline)
Legal Aid of Western Missouri 816-474-6750 (Kansas City); 1-800-748-2057 (statewide hotline)
Central Missouri Legal Services 573-442-0116
The Legal Aid and Defender Association (LAD) 816-474-6750
Legal Services of Southern Missouri (417) 881-1397
Mid-Missouri Legal Services Corporation (573) 442-0116

American Default Research does not endorse, rate, or rank any provider. Verify attorney credentials with your state bar.

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Frequently Asked Questions

  • What is the distress score for St. Charles County, Missouri?

    St. Charles County has a County Distress Index score of 22.0 out of 100, placing it in the Healthy zone. It ranks 3,089th nationally out of 3,144 counties and 114th in Missouri out of 115 counties.

  • What drives financial distress in St. Charles County?

    The primary driver of distress in St. Charles County is Housing Cost Burden, where the county scores 36.9 out of 100. This domain is measured by indicators including Rent-Burdened (30%+), Severely Rent-Burdened (50%+), Mortgage-Burdened (30%+).

  • How does St. Charles County compare to neighboring counties?

    St. Charles County (22.0) can be compared to its 7 neighboring counties: Madison County, IL (44.2); Jersey County, IL (40.9); Franklin County, MO (38.3).

  • How is the County Distress Index calculated?

    The County Distress Index uses percentile-rank averaging across five domains: Debt & Delinquency, Income & Poverty, Housing Cost Burden, Employment & Wages, and Community Vulnerability. Each county's indicators are ranked against all 3,144 U.S. counties. A score of 50 means the county is at the national median; higher scores indicate greater distress.

  • What is the population of St. Charles County?

    St. Charles County, Missouri has a population of approximately 416,659 (2023 Census estimate), classified as a large county.