St. Charles MO vs Toledo OH — Cost of Living, Crime & Income Comparison 2026
Updated May 2026 · Source: US Census ACS 5-Year (2023), FBI CDE (2023), BLS OEWS (2024)
St. Charles, MO
Missouri · Population: 71,542
- Median HH Income$55,578
- Median Home Price$144,200
- Unemployment4.7%
- Bachelor's+22.7%
Toledo, OH
Ohio · Population: 268,461
- Median HH Income$47,532
- Median Home Price$130,101
- Unemployment8.5%
- Bachelor's+21.0%
Detailed Comparison
Demographics
Population
St. Charles
71,542
Toledo
268,461
Toledo +
Pop. Density / sq mi
Lower = more space
St. Charles
N/A
Toledo
N/A
Median Age
St. Charles
37.9
Toledo
35.7
Toledo +
Foreign Born
St. Charles
4.2%
St. Charles +
Toledo
3.4%
White
St. Charles
80.4%
St. Charles +
Toledo
58.7%
Black
St. Charles
6.7%
Toledo
28.7%
Toledo +
Asian
St. Charles
1.4%
Toledo
1.4%
Tie
Hispanic
St. Charles
7.7%
Toledo
8.9%
Toledo +
Spanish at Home
St. Charles
N/A
Toledo
N/A
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Population | 71,542 | 268,461 | Toledo + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 37.9 | 35.7 | Toledo + |
| Foreign Born | 4.2% | 3.4% | St. Charles + |
| White | 80.4% | 58.7% | St. Charles + |
| Black | 6.7% | 28.7% | Toledo + |
| Asian | 1.4% | 1.4% | Tie |
| Hispanic | 7.7% | 8.9% | Toledo + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
St. Charles
$55,578
St. Charles +
Toledo
$47,532
Per Capita Income
St. Charles
$31,499
St. Charles +
Toledo
$27,407
Per Capita Personal Income (MSA)
BEA MSA-level
St. Charles
$58,527
St. Charles +
Toledo
$58,300
Unemployment Rate
St. Charles
4.7%
St. Charles +
Toledo
8.5%
Poverty Rate
St. Charles
18.7%
St. Charles +
Toledo
24.5%
Bachelor's Degree+
St. Charles
22.7%
St. Charles +
Toledo
21.0%
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Median HH Income | $55,578 | $47,532 | St. Charles + |
| Per Capita Income | $31,499 | $27,407 | St. Charles + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,527 | $58,300 | St. Charles + |
| Unemployment Rate | 4.7% | 8.5% | St. Charles + |
| Poverty Rate | 18.7% | 24.5% | St. Charles + |
| Bachelor's Degree+ | 22.7% | 21.0% | St. Charles + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
St. Charles
$144,200
Toledo
$130,101
Toledo +
Homeownership Rate
St. Charles
61.4%
St. Charles +
Toledo
52.7%
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $144,200 | $130,101 | Toledo + |
| Homeownership Rate | 61.4% | 52.7% | St. Charles + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
St. Charles
501
Toledo
319
Toledo +
Property Crime / 100K
FBI CDE (state-level est.)
St. Charles
2418
Toledo
1866
Toledo +
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 501 | 319 | Toledo + |
| Property Crime / 100KFBI CDE (state-level est.) | 2418 | 1866 | Toledo + |
Health
Obesity Rate
CDC PLACES
St. Charles
35.9%
St. Charles +
Toledo
39.3%
Diabetes Rate
CDC PLACES
St. Charles
10.4%
St. Charles +
Toledo
15.7%
Poor Mental Health
CDC PLACES — 14+ days/month
St. Charles
16.0%
St. Charles +
Toledo
20.6%
No Health Insurance
CDC PLACES
St. Charles
7.1%
St. Charles +
Toledo
11.3%
Binge Drinking
CDC PLACES
St. Charles
18.4%
Toledo
14.9%
Toledo +
Current Smokers
CDC PLACES
St. Charles
12.5%
St. Charles +
Toledo
19.9%
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 35.9% | 39.3% | St. Charles + |
| Diabetes RateCDC PLACES | 10.4% | 15.7% | St. Charles + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 20.6% | St. Charles + |
| No Health InsuranceCDC PLACES | 7.1% | 11.3% | St. Charles + |
| Binge DrinkingCDC PLACES | 18.4% | 14.9% | Toledo + |
| Current SmokersCDC PLACES | 12.5% | 19.9% | St. Charles + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
St. Charles
N/A
Toledo
50.6°F
Annual Precipitation
NOAA 1991–2020 normal
St. Charles
N/A
Toledo
33.4 in
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 50.6°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 33.4 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
St. Charles
9.3 µg/m³
St. Charles +
Toledo
10.3 µg/m³
Good Air Days
AQI ≤ 50
St. Charles
55.0%
Toledo
55.0%
Tie
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.3 µg/m³ | 10.3 µg/m³ | St. Charles + |
| Good Air DaysAQI ≤ 50 | 55.0% | 55.0% | Tie |
Commute
Mean Commute Time
Census ACS
St. Charles
18.3 min
St. Charles +
Toledo
21.3 min
| Metric | St. Charles, MO | Toledo, OH | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 18.3 min | 21.3 min | St. Charles + |
Which City is Right for You?
St. Charles leads in median household income at $55,578, while toledo offers more affordable housing with a median home price of $130,101. On public safety, Toledo is safer with a violent crime rate of 319 per 100,000 residents, compared to 501 in St. Charles. St. Charles has a lower unemployment rate at 4.7%, and St. Charles has cleaner air (PM2.5 avg 9.3 µg/m³). For overall health outcomes, St. Charles scores better with a lower obesity rate of 35.9%.
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