Charlack, Missouri.
Typical home $133,302 (-1.3% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$346 (+98%) since Jan 2020.
- 1 year
- Down $1,745 -1%
- $135,046$133,302 since Sep 2025
- 5 years
- Up $11,664 +10%
- $121,638$133,302 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Charlack$700
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 38 years.
Typical home values in Charlack, MO fell 1.3% over the past year — slower than the nation's +1.2%.
Living in Charlack, St. Louis County, Missouri
Charlack is a city of 1,304 people in St. Louis County. Unemployment in St. Louis County was 4.2% in August 2026, and the county had 1.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Charlack is a small city in St. Louis County, home to a small community of residents. Residents tend to be younger than in many American towns, and homes here cost less than the county's, as do incomes. Fewer adults hold a four-year degree than you might find in other parts of the metro area, and a typical drive to work is a fairly ordinary one. Winters are cold, with the coldest weather in January, and summers are hot, with July the warmest month. Snow falls regularly through the winter, and rain and melted snow are common across the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, banks, insurance and property, and restaurants, hotels and entertainment. Across St. Louis County, some of the largest workplaces are Washington University in St Louis, The Boeing Company and Mercy Hospital - St. Louis. Unemployment in the county is a little lower than a year ago, though the county has fewer jobs than it did the year before.
Things to do. A short drive away, the Saint Louis Zoo and the Missouri Botanical Garden make easy outings, and Forest Park offers open green space close to both. The Saint Louis Art Museum is a short drive as well. For a longer trip, Gateway Arch National Park sits along the river and is a longer drive away.
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- 20%of adults have a degree
- 23 mintypical commute
What residents work in
Employed residents by industry, from the Census survey. St. Louis County had 589,803 jobs in 2025, 1.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 24°; warmest in July, with highs near 90° and lows near 71°. About 17 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Louis Lambert International Airport weather station, 4 miles away (NOAA).
Largest workplaces in St. Louis County
- Washington University in St LouisUniversity or college20,568
- The Boeing CompanyAircraft manufacturing13,947
- Graybar Electric CompanyDistribution equipment, electrical, merchant wholesalers7,787
- Specl. Sch. Dst. St. Louis CO SchoolsSchool district5,153FTE
- Mercy Hospital - St. LouisGeneral hospital5,074FTE
- Brinkmann ConstructorsCommercial building construction general contractors4,695
- Rockwood R-VI SchoolsSchool district3,388FTE
- SSM Health St. Marys Hospital - STLGeneral hospital3,059FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 995 workplaces with 20 or more staff, 186,284 people in all across the county; Charlack has two of its own. Colleges come from IPEDS (NCES, 2023–24), school districts from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Heat wavesVery high
- HailRelatively high
- EarthquakesRelatively high
- Cold wavesRelatively high
- LightningRelatively high
- Ice stormsRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Charlack’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on St. Louis County and the St. Louis, MO-IL metro.
Charlack home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Charlack$133,302
- Missouri$265,387
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Zip codes with a Charlack address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Charlack — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.