Miami FL vs St. Charles MO — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
Miami, FL
Florida · Population: 446,663
- Median HH Income$59,390
- Median Home Price$580,996
- Unemployment5.0%
- Bachelor's+35.6%
St. Charles, MO
Missouri · Population: 71,542
- Median HH Income$55,578
- Median Home Price$144,200
- Unemployment4.7%
- Bachelor's+22.7%
Detailed Comparison
Demographics
Population
Miami
446,663
Miami +
St. Charles
71,542
Pop. Density / sq mi
Lower = more space
Miami
N/A
St. Charles
N/A
Median Age
Miami
39.7
St. Charles
37.9
St. Charles +
Foreign Born
Miami
57.7%
Miami +
St. Charles
4.2%
White
Miami
34.2%
St. Charles
80.4%
St. Charles +
Black
Miami
13.7%
Miami +
St. Charles
6.7%
Asian
Miami
1.6%
Miami +
St. Charles
1.4%
Hispanic
Miami
71.2%
Miami +
St. Charles
7.7%
Spanish at Home
Miami
N/A
St. Charles
N/A
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Population | 446,663 | 71,542 | Miami + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 39.7 | 37.9 | St. Charles + |
| Foreign Born | 57.7% | 4.2% | Miami + |
| White | 34.2% | 80.4% | St. Charles + |
| Black | 13.7% | 6.7% | Miami + |
| Asian | 1.6% | 1.4% | Miami + |
| Hispanic | 71.2% | 7.7% | Miami + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Miami
$59,390
Miami +
St. Charles
$55,578
Per Capita Income
Miami
$42,528
Miami +
St. Charles
$31,499
Per Capita Personal Income (MSA)
BEA MSA-level
Miami
$65,328
Miami +
St. Charles
$58,527
Unemployment Rate
Miami
5.0%
St. Charles
4.7%
St. Charles +
Poverty Rate
Miami
19.2%
St. Charles
18.7%
St. Charles +
Bachelor's Degree+
Miami
35.6%
Miami +
St. Charles
22.7%
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Median HH Income | $59,390 | $55,578 | Miami + |
| Per Capita Income | $42,528 | $31,499 | Miami + |
| Per Capita Personal Income (MSA)BEA MSA-level | $65,328 | $58,527 | Miami + |
| Unemployment Rate | 5.0% | 4.7% | St. Charles + |
| Poverty Rate | 19.2% | 18.7% | St. Charles + |
| Bachelor's Degree+ | 35.6% | 22.7% | Miami + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Miami
$580,996
St. Charles
$144,200
St. Charles +
Homeownership Rate
Miami
30.7%
St. Charles
61.4%
St. Charles +
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $580,996 | $144,200 | St. Charles + |
| Homeownership Rate | 30.7% | 61.4% | St. Charles + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Miami
324
Miami +
St. Charles
501
Property Crime / 100K
FBI CDE (state-level est.)
Miami
1453
Miami +
St. Charles
2418
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 324 | 501 | Miami + |
| Property Crime / 100KFBI CDE (state-level est.) | 1453 | 2418 | Miami + |
Health
Obesity Rate
CDC PLACES
Miami
29.9%
Miami +
St. Charles
35.9%
Diabetes Rate
CDC PLACES
Miami
15.5%
St. Charles
10.4%
St. Charles +
Poor Mental Health
CDC PLACES — 14+ days/month
Miami
15.0%
Miami +
St. Charles
16.0%
No Health Insurance
CDC PLACES
Miami
27.2%
St. Charles
7.1%
St. Charles +
Binge Drinking
CDC PLACES
Miami
15.3%
Miami +
St. Charles
18.4%
Current Smokers
CDC PLACES
Miami
12.3%
Miami +
St. Charles
12.5%
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 29.9% | 35.9% | Miami + |
| Diabetes RateCDC PLACES | 15.5% | 10.4% | St. Charles + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 15.0% | 16.0% | Miami + |
| No Health InsuranceCDC PLACES | 27.2% | 7.1% | St. Charles + |
| Binge DrinkingCDC PLACES | 15.3% | 18.4% | Miami + |
| Current SmokersCDC PLACES | 12.3% | 12.5% | Miami + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Miami
75.8°F
St. Charles
N/A
Annual Precipitation
NOAA 1991–2020 normal
Miami
64.1 in
St. Charles
N/A
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 75.8°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 64.1 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Miami
7.2 µg/m³
Miami +
St. Charles
9.3 µg/m³
Good Air Days
AQI ≤ 50
Miami
75.0%
Miami +
St. Charles
55.0%
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.2 µg/m³ | 9.3 µg/m³ | Miami + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Miami + |
Commute
Mean Commute Time
Census ACS
Miami
29.9 min
St. Charles
18.3 min
St. Charles +
| Metric | Miami, FL | St. Charles, MO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 29.9 min | 18.3 min | St. Charles + |
Which City is Right for You?
Miami leads in median household income at $59,390, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, Miami is safer with a violent crime rate of 324 per 100,000 residents, compared to 501 in St. Charles. St. Charles has a lower unemployment rate at 4.7%, and Miami has cleaner air (PM2.5 avg 7.2 µg/m³). For overall health outcomes, Miami scores better with a lower obesity rate of 29.9%.
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