St. Charles MO vs Utica NY — 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%
Utica, NY
New York · Population: 51,054
- Median HH Income$57,688
- Median Home Price$205,924
- Unemployment9.4%
- Bachelor's+36.8%
Detailed Comparison
Demographics
Population
St. Charles
71,542
St. Charles +
Utica
51,054
Pop. Density / sq mi
Lower = more space
St. Charles
N/A
Utica
N/A
Median Age
St. Charles
37.9
Utica
33.0
Utica +
Foreign Born
St. Charles
4.2%
Utica
9.7%
Utica +
White
St. Charles
80.4%
St. Charles +
Utica
64.8%
Black
St. Charles
6.7%
Utica
16.9%
Utica +
Asian
St. Charles
1.4%
Utica
4.3%
Utica +
Hispanic
St. Charles
7.7%
Utica
9.8%
Utica +
Spanish at Home
St. Charles
N/A
Utica
N/A
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Population | 71,542 | 51,054 | St. Charles + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 37.9 | 33.0 | Utica + |
| Foreign Born | 4.2% | 9.7% | Utica + |
| White | 80.4% | 64.8% | St. Charles + |
| Black | 6.7% | 16.9% | Utica + |
| Asian | 1.4% | 4.3% | Utica + |
| Hispanic | 7.7% | 9.8% | Utica + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
St. Charles
$55,578
Utica
$57,688
Utica +
Per Capita Income
St. Charles
$31,499
Utica
$35,780
Utica +
Per Capita Personal Income (MSA)
BEA MSA-level
St. Charles
$58,527
Utica
$77,425
Utica +
Unemployment Rate
St. Charles
4.7%
St. Charles +
Utica
9.4%
Poverty Rate
St. Charles
18.7%
St. Charles +
Utica
23.8%
Bachelor's Degree+
St. Charles
22.7%
Utica
36.8%
Utica +
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Median HH Income | $55,578 | $57,688 | Utica + |
| Per Capita Income | $31,499 | $35,780 | Utica + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,527 | $77,425 | Utica + |
| Unemployment Rate | 4.7% | 9.4% | St. Charles + |
| Poverty Rate | 18.7% | 23.8% | St. Charles + |
| Bachelor's Degree+ | 22.7% | 36.8% | Utica + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
St. Charles
$144,200
St. Charles +
Utica
$205,924
Homeownership Rate
St. Charles
61.4%
St. Charles +
Utica
36.8%
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $144,200 | $205,924 | St. Charles + |
| Homeownership Rate | 61.4% | 36.8% | St. Charles + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
St. Charles
501
Utica
434
Utica +
Property Crime / 100K
FBI CDE (state-level est.)
St. Charles
2418
Utica
1736
Utica +
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 501 | 434 | Utica + |
| Property Crime / 100KFBI CDE (state-level est.) | 2418 | 1736 | Utica + |
Health
Obesity Rate
CDC PLACES
St. Charles
35.9%
St. Charles +
Utica
39.6%
Diabetes Rate
CDC PLACES
St. Charles
10.4%
St. Charles +
Utica
14.1%
Poor Mental Health
CDC PLACES — 14+ days/month
St. Charles
16.0%
St. Charles +
Utica
19.4%
No Health Insurance
CDC PLACES
St. Charles
7.1%
St. Charles +
Utica
11.1%
Binge Drinking
CDC PLACES
St. Charles
18.4%
Utica
15.2%
Utica +
Current Smokers
CDC PLACES
St. Charles
12.5%
St. Charles +
Utica
18.7%
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 35.9% | 39.6% | St. Charles + |
| Diabetes RateCDC PLACES | 10.4% | 14.1% | St. Charles + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 19.4% | St. Charles + |
| No Health InsuranceCDC PLACES | 7.1% | 11.1% | St. Charles + |
| Binge DrinkingCDC PLACES | 18.4% | 15.2% | Utica + |
| Current SmokersCDC PLACES | 12.5% | 18.7% | St. Charles + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
St. Charles
N/A
Utica
N/A
Annual Precipitation
NOAA 1991–2020 normal
St. Charles
N/A
Utica
N/A
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | N/A | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | N/A | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
St. Charles
9.3 µg/m³
Utica
8.1 µg/m³
Utica +
Good Air Days
AQI ≤ 50
St. Charles
55.0%
Utica
75.0%
Utica +
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.3 µg/m³ | 8.1 µg/m³ | Utica + |
| Good Air DaysAQI ≤ 50 | 55.0% | 75.0% | Utica + |
Commute
Mean Commute Time
Census ACS
St. Charles
18.3 min
St. Charles +
Utica
22.7 min
| Metric | St. Charles, MO | Utica, NY | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 18.3 min | 22.7 min | St. Charles + |
Which City is Right for You?
Utica leads in median household income at $57,688, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, Utica is safer with a violent crime rate of 434 per 100,000 residents, compared to 501 in St. Charles. St. Charles has a lower unemployment rate at 4.7%, and Utica has cleaner air (PM2.5 avg 8.1 µg/m³). For overall health outcomes, St. Charles scores better with a lower obesity rate of 35.9%.
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