Modesto CA 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)
Modesto, CA
California · Population: 218,614
- Median HH Income$77,899
- Median Home Price$447,353
- Unemployment7.3%
- Bachelor's+20.3%
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
Modesto
218,614
Modesto +
St. Charles
71,542
Pop. Density / sq mi
Lower = more space
Modesto
N/A
St. Charles
N/A
Median Age
Modesto
35.4
Modesto +
St. Charles
37.9
Foreign Born
Modesto
18.7%
Modesto +
St. Charles
4.2%
White
Modesto
50.8%
St. Charles
80.4%
St. Charles +
Black
Modesto
4.7%
St. Charles
6.7%
St. Charles +
Asian
Modesto
7.4%
Modesto +
St. Charles
1.4%
Hispanic
Modesto
43.9%
Modesto +
St. Charles
7.7%
Spanish at Home
Modesto
N/A
St. Charles
N/A
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Population | 218,614 | 71,542 | Modesto + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 35.4 | 37.9 | Modesto + |
| Foreign Born | 18.7% | 4.2% | Modesto + |
| White | 50.8% | 80.4% | St. Charles + |
| Black | 4.7% | 6.7% | St. Charles + |
| Asian | 7.4% | 1.4% | Modesto + |
| Hispanic | 43.9% | 7.7% | Modesto + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
Modesto
$77,899
Modesto +
St. Charles
$55,578
Per Capita Income
Modesto
$34,656
Modesto +
St. Charles
$31,499
Per Capita Personal Income (MSA)
BEA MSA-level
Modesto
$77,230
Modesto +
St. Charles
$58,527
Unemployment Rate
Modesto
7.3%
St. Charles
4.7%
St. Charles +
Poverty Rate
Modesto
13.0%
Modesto +
St. Charles
18.7%
Bachelor's Degree+
Modesto
20.3%
St. Charles
22.7%
St. Charles +
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Median HH Income | $77,899 | $55,578 | Modesto + |
| Per Capita Income | $34,656 | $31,499 | Modesto + |
| Per Capita Personal Income (MSA)BEA MSA-level | $77,230 | $58,527 | Modesto + |
| Unemployment Rate | 7.3% | 4.7% | St. Charles + |
| Poverty Rate | 13.0% | 18.7% | Modesto + |
| Bachelor's Degree+ | 20.3% | 22.7% | St. Charles + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
Modesto
$447,353
St. Charles
$144,200
St. Charles +
Homeownership Rate
Modesto
58.4%
St. Charles
61.4%
St. Charles +
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $447,353 | $144,200 | St. Charles + |
| Homeownership Rate | 58.4% | 61.4% | St. Charles + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
Modesto
503
St. Charles
501
St. Charles +
Property Crime / 100K
FBI CDE (state-level est.)
Modesto
2388
Modesto +
St. Charles
2418
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 503 | 501 | St. Charles + |
| Property Crime / 100KFBI CDE (state-level est.) | 2388 | 2418 | Modesto + |
Health
Obesity Rate
CDC PLACES
Modesto
36.2%
St. Charles
35.9%
St. Charles +
Diabetes Rate
CDC PLACES
Modesto
12.1%
St. Charles
10.4%
St. Charles +
Poor Mental Health
CDC PLACES — 14+ days/month
Modesto
19.0%
St. Charles
16.0%
St. Charles +
No Health Insurance
CDC PLACES
Modesto
13.0%
St. Charles
7.1%
St. Charles +
Binge Drinking
CDC PLACES
Modesto
16.5%
Modesto +
St. Charles
18.4%
Current Smokers
CDC PLACES
Modesto
13.7%
St. Charles
12.5%
St. Charles +
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 36.2% | 35.9% | St. Charles + |
| Diabetes RateCDC PLACES | 12.1% | 10.4% | St. Charles + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 19.0% | 16.0% | St. Charles + |
| No Health InsuranceCDC PLACES | 13.0% | 7.1% | St. Charles + |
| Binge DrinkingCDC PLACES | 16.5% | 18.4% | Modesto + |
| Current SmokersCDC PLACES | 13.7% | 12.5% | St. Charles + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
Modesto
63.7°F
St. Charles
N/A
Annual Precipitation
NOAA 1991–2020 normal
Modesto
13.1 in
St. Charles
N/A
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | 63.7°F | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | 13.1 in | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
Modesto
7.9 µg/m³
Modesto +
St. Charles
9.3 µg/m³
Good Air Days
AQI ≤ 50
Modesto
75.0%
Modesto +
St. Charles
55.0%
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 7.9 µg/m³ | 9.3 µg/m³ | Modesto + |
| Good Air DaysAQI ≤ 50 | 75.0% | 55.0% | Modesto + |
Commute
Mean Commute Time
Census ACS
Modesto
30.5 min
St. Charles
18.3 min
St. Charles +
| Metric | Modesto, CA | St. Charles, MO | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 30.5 min | 18.3 min | St. Charles + |
Which City is Right for You?
Modesto leads in median household income at $77,899, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, St. Charles is safer with a violent crime rate of 501 per 100,000 residents, compared to 503 in Modesto. St. Charles has a lower unemployment rate at 4.7%, and Modesto has cleaner air (PM2.5 avg 7.9 µg/m³). For overall health outcomes, St. Charles scores better with a lower obesity rate of 35.9%.
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