Cottleville, Missouri.
Typical home $502,685 (+3.9% in a year). St. Louis, MO-IL metro.
to buy the typical home at today's mortgage rate — +$1,380 (+110%) since Jan 2020.
- 1 year
- Up $18,924 +4%
- $483,761$502,685 since Sep 2025
- 5 years
- Up $95,350 +23%
- $407,335$502,685 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.
- Cottleville$2,638
- Missouri$1,393
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 16 years.
Typical home values in Cottleville, MO rose 3.9% over the past year — faster than the nation's +1.2%.
Living in Cottleville, St. Charles County, Missouri
Cottleville is a city of 5,611 people in St. Charles County. Half its households earn more than $131,310 a year and half less, against $104,692 across St. Charles County; 2% of its people live below the poverty line. 81% of its homes are lived in by their owners and 19% are rented. Unemployment in St. Charles County was 3.3% in August 2026, and the county had about as many jobs in 2025 as the year before. The most residents work in schools and health care, then shops.
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 It can be wrong or out of date.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. Cottleville is a small city in St. Charles County, west of St. Louis, and most of its homes are lived in by their owners. Households here earn more than the county's typical household, and far fewer residents live below the poverty line than you might expect. More adults hold a four-year degree than in many places, and the population sits on the older side of middle age. Winters are cold, with lows well below freezing in January, summers turn hot by July, and the year brings a fair amount of snow and rain.
Work. Residents work mostly in schools, hospitals and social care, in shops, in professional and business services, and in banks, insurance and property. Across St. Charles County, some of the largest workplaces are General Motors Wentzville, which assembles light trucks, Amazon, and the Francis Howell school district. The typical commute is a moderate one, and a fair number of people work from home.
Things to do. Most of the places worth a day out are a longer drive away, in and around St. Louis. The Gateway Arch National Park is the best known, a national park beside the river, and the Missouri Botanical Garden is a botanical garden for slower afternoons. The Saint Louis Zoo and Forest Park are also in the city, and the Saint Louis Art Museum is an option when the weather turns.
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- 2,206households
- 53%of adults have a degree
- 2%below the poverty line
- 22 mintypical commute
- 14%work from home
What residents work in
Employed residents by industry, from the Census survey. St. Charles County had 162,655 jobs in 2025, about as many as the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 21°; warmest in July, with highs near 88° and lows near 68°. About 15 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the St. Peters Southeast weather station, 4 miles away (NOAA).
Largest workplaces in St. Charles County
- General Motors WentzvilleAssembly plants, light trucks on chassis of own manufacture4,000
- AmazonGeneral warehousing and storage3,602
- Francis Howell R-iii SchoolsSchool district2,683FTE
- Wentzville R-IV SchoolsSchool district2,563FTE
- Fort Zumwalt School DistrictSchool district2,094FTE
- Lindenwood UniversityUniversity or college1,396
- SSM Health St. Joseph HospitalGeneral hospital1,291FTE
- The Boeing CompanyGuided missile and space vehicle manufacturing1,259
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 292 workplaces with 20 or more staff, 44,681 people in all across the county; Cottleville has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), colleges from IPEDS (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
- Inland floodingVery high
- HailRelatively high
- Strong windRelatively high
- TornadoesRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cottleville’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. Charles County and the St. Louis, MO-IL metro.
Cottleville home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cottleville$502,685
- 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.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cottleville13
New listings per month
Sellers arriving at the market.
- Cottleville6
Zip codes with a Cottleville address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cottleville — 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.