Market Overview
Home Prices in Saint Charles, ID
The median home value in Saint Charles, ID is $557,435 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 7.4% compared to a year ago and down 0.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Saint Charles are priced36% above average.
Over the past five years, Saint Charles home values have risen by approximately33.6%, reflecting strong long-term appreciation in this market.
Price History
Saint Charles Home Price Trend
2020
$304,015
$304K
—
2021
$417,327
$417K
+37.3%
2022
$534,522
$535K
+28.1%
2023
$493,090
$493K
-7.8%
2024
$520,166
$520K
+5.5%
2025
$519,004
$519K
-0.2%
2026
$557,435
$557K
+7.4%
City Comparison
Saint Charles vs. National Median
🏠 Saint Charles
$557,435
National Median
$410,000
At $557,435, homes in Saint Charles cost 36% above the national median of $410,000. Buyers in Saint Charles should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Saint Charles?
20% Down Payment
$111,487
on $557,435
Monthly P&I
$2,907/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,692/mo
incl. taxes & insurance
Income Needed
$147,680
gross annual (30% rule)
10% Down Option
$55,744
+ PMI applies
Loan Amount (20% dn)
$445,948
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Saint Charles, ID?
The median home value in Saint Charles is $557,435 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 7.4% year-over-year.
How much have home prices changed in Saint Charles?
Over the past year, home values in Saint Charles have increased by 7.4%. Over five years, prices have risen approximately 33.6%.
How much do I need to earn to buy a home in Saint Charles?
To comfortably afford the median home price of $557,435 with a 20% down payment ($111,487) at today's rates (6.8%), you'd need a gross annual income of approximately $147,680. This assumes keeping total housing costs at or below 30% of gross income.
How does Saint Charles compare to the national average home price?
The national median home value is approximately $410,000. At $557,435, homes in Saint Charles are 36% above the national average.