Saint Charles, Minnesota.
Typical home $348,047 (+4.5% in a year). Winona, MN metro.
to buy the typical home at today's mortgage rate — +$999 (+121%) since Jan 2020.
- 1 year
- Up $15,021 +5%
- $333,025$348,047 since Sep 2025
- 5 years
- Up $83,274 +31%
- $264,773$348,047 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.
- Saint Charles$1,827
- Minnesota$1,831
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Saint Charles, MN rose 4.5% over the past year — faster than the nation's +1.2%.
Living in Saint Charles, Winona County, Minnesota
Saint Charles is a city of 3,990 people in Winona County. Half its households earn more than $96,200 a year and half less, against $70,744 across Winona County; 3% of its people live below the poverty line. 81% of its homes are lived in by their owners and 19% are rented. Unemployment in Winona County was 4.0% in August 2026, and the county had 0.4% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Saint Charles is a small city in Winona County, home to a community that is a little older than the typical American one. Household incomes run well above the county's, very few residents live below the poverty line, and most homes are lived in by their owners. Winters are cold, with snow through the season, and summers are warm, with a good deal of rain and melted snow across the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing many. Among the largest workplaces in town are the Saint Charles public school district, City Hall and Whitewater Health Services. A fair number of people work from home, and the typical commute is a moderate one.
Things to do. Whitewater State Park, a protected area, is a short drive away, and Bear Creek, a river, is close by as well. For a longer outing, the Minnesota Marine Art Museum is a museum a longer drive away, and Trempealeau National Wildlife Refuge offers more protected land and water.
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- 1,576households
- 33%of adults have a degree
- 3%below the poverty line
- 24 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Winona County had 23,933 jobs in 2025, 0.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 23° and lows near 8°; warmest in July, with highs near 83° and lows near 64°. About 36 inches of snow and 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Minnesota City Dam weather station, 18 miles away (NOAA).
Largest workplaces in Saint Charles
- St. Charles Public School DistrictSchool district120FTE
- City HallGeneral public administration49
- Whitewater Health ServicesSkilled nursing facilities37
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 227 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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
- Cold wavesRelatively high
- HailRelatively high
- Inland floodingRelatively high
- TornadoesRelatively high
- Winter weatherRelatively high
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Charles’ census tracts, against the rest of the country; all of them together, relatively moderate. 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 Winona County and the Winona, MN metro.
Saint Charles home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Charles$348,047
- Minnesota$348,778
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
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.
- Saint Charles11
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Saint Charles address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Charles — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Saint Charles
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 55972 | Saint Charles | 5,434 | — | $349,330 |
| 55910 | Altura | 1,171 | — | $306,421 |