The Town FilesSt. Paul, Missouri
City in St. Charles County · population 3,005 (2020 Census)
- Median home
- $443,600
- Household income
- $159,022
- Jan low / Jul high
- 21° / 88°
- Snow a year
- 12 in
- Tornadoes ≤10 mi since 1950
- 23
- Median age
- 43.5
St. Paul is a city of 3,005 people in St. Charles County, Missouri. The median home is worth $443,600, above the typical Missouri town ($153,900). It ranks better for families than 98% of Missouri towns, more upscale than 93% of Missouri towns, more of a college town than 88% of Missouri towns.
How St. Paul ranks
Percentile among Missouri towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Missouri towns.
Homes and cost of living
The median home in St. Paul is worth $443,600, above the typical Missouri town ($153,900). Homes cost about 2.8 times the median household income of $159,022, which is more affordable than 47% of Missouri towns. Median rent is $975 a month. 98.7% of households own their home.
| Housing | St. Paul | Typical Missouri town |
|---|---|---|
| Median home value | $443,600 | $153,900 |
| Median rent | $975 | $855 |
| Median household income | $159,022 | $56,368 |
| Home value ÷ income | 2.8× | 2.7× |
| Homeownership | 98.7% | 67.4% |
| Median year built | 2005 | 1972 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in St. Paul
| People | St. Paul | Typical Missouri town |
|---|---|---|
| Median age | 43.5 | 38.6 |
| Age 65 and over | 12.1% | 17.7% |
| Under 18 | 17.7% | — |
| Bachelor's degree or higher | 42.7% | 18.9% |
| Below the poverty line | 0.5% | 14.6% |
| Veterans | 4.9% | — |
| Born outside the U.S. | 0.9% | — |
| Work from home | 13.6% | 7.9% |
| Average commute | 24.3 min | 23.1 min |
| Homes with broadband | 95.5% | 88.7% |
Weather in St. Paul
July highs average 88.1°F and January lows 21.2°F. About 42.3 inches of rain and melted snow fall a year, with 12.3 inches of snow (typical Missouri town: 11.1 in). Expect about 39 days a year at 90°F or hotter and 103 nights at or below freezing.
Tornadoes, storms and disasters
23 tornadoes have passed within 10 miles of St. Paul since 1950, compared with 23 for the typical Missouri town. 7 rated (E)F2 or stronger. The strongest, an F3, struck on November 15, 1988 about 4.0 miles from the town center. The most recent was on November 4, 2024.
Hail of 1 inch or larger has been reported within 10 miles 121 times; the largest was 3.00 inches on April 28, 2012.
Severe weather in St. Charles County since 1996
St. Charles County has been included in 28 federal disaster or emergency declarations since 1953, most often for flood, drought, tornado.
| Declared | Incident | Declaration |
|---|---|---|
| August 8, 2022 | Flood | DR-4665: Severe Storms And Flooding |
| March 26, 2020 | Biological | DR-4490: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3482: Covid-19 |
| July 9, 2019 | Severe Storm | DR-4451: Severe Storms, Tornadoes, And Flooding |
| January 21, 2016 | Flood | DR-4250: Severe Storms, Tornadoes, Straight-Line Winds, And Flooding |
Jobs and pay in St. Charles County
St. Charles County had 162,611 jobs in 2024, paying an average of $60,105 a year. Unemployment was 2.5% in 2023; in St. Paul itself the ACS puts it at 0.5%.
Towns near St. Paul
- O'Fallon, MO4.9 mi · 91,316 people · home $326,200
- Lake St. Louis, MO5.3 mi · 16,707 people · home $405,900
- Wentzville, MO7.4 mi · 44,372 people · home $331,300
- Dardenne Prairie, MO7.6 mi · 12,743 people · home $432,000
- Cottleville, MO8.1 mi · 5,611 people · home $435,400
- St. Peters, MO8.7 mi · 57,732 people · home $269,900
- Weldon Spring, MO10.7 mi · 5,326 people · home $544,300
- Moscow Mills, MO11.9 mi · 3,317 people · home $196,400
St. Paul questions
Is St. Paul, Missouri a good place to retire?
On The Town Files lifestyle rankings, St. Paul scores better for retirees than 55% of Missouri towns and quieter than 54%. 12.1% of residents are 65 or older (median age 43.5).
How much does a house cost in St. Paul?
The median owner-occupied home in St. Paul is valued at $443,600 (Census ACS 2020–2024), against a median household income of $159,022, so homes cost about 2.8 times income. Median rent is $975 a month.
What is the weather like in St. Paul?
July highs average 88.1°F and January lows 21.2°F (NOAA 1991–2020 normals). It gets about 42.3 inches of precipitation a year and 12.3 inches of snow.
Does St. Paul get tornadoes?
23 tornadoes have passed within 10 miles of St. Paul since 1950 (NOAA Storm Events); the strongest was a F3 on November 15, 1988. The typical Missouri town has had 23.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)