St. Charles, Missouri, offers a diverse housing market with a blend of historic charm and modern conveniences. The housing landscape is predominantly composed of single-family homes, which provide a sense of spaciousness and privacy for residents. Architectural styles range from traditional brick homes that reflect the city's rich history to contemporary constructions that cater to modern tastes. The homeownership rate in St. Charles is robust, with a significant majority of residents owning their homes, while the remainder of the population resides in rental properties, including apartments and townhouses.