St. Charles MO vs Waukegan IL — 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%
Waukegan, IL
Illinois · Population: 33,889
- Median HH Income$97,263
- Median Home Price$239,865
- Unemployment4.3%
- Bachelor's+46.1%
Detailed Comparison
Demographics
Population
St. Charles
71,542
St. Charles +
Waukegan
33,889
Pop. Density / sq mi
Lower = more space
St. Charles
N/A
Waukegan
N/A
Median Age
St. Charles
37.9
Waukegan
37.6
Waukegan +
Foreign Born
St. Charles
4.2%
Waukegan
20.6%
Waukegan +
White
St. Charles
80.4%
St. Charles +
Waukegan
61.9%
Black
St. Charles
6.7%
Waukegan
11.2%
Waukegan +
Asian
St. Charles
1.4%
Waukegan
11.3%
Waukegan +
Hispanic
St. Charles
7.7%
Waukegan
16.4%
Waukegan +
Spanish at Home
St. Charles
N/A
Waukegan
N/A
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Population | 71,542 | 33,889 | St. Charles + |
| Pop. Density / sq miLower = more space | N/A | N/A | - |
| Median Age | 37.9 | 37.6 | Waukegan + |
| Foreign Born | 4.2% | 20.6% | Waukegan + |
| White | 80.4% | 61.9% | St. Charles + |
| Black | 6.7% | 11.2% | Waukegan + |
| Asian | 1.4% | 11.3% | Waukegan + |
| Hispanic | 7.7% | 16.4% | Waukegan + |
| Spanish at Home | N/A | N/A | - |
Economy
Median HH Income
St. Charles
$55,578
Waukegan
$97,263
Waukegan +
Per Capita Income
St. Charles
$31,499
Waukegan
$49,019
Waukegan +
Per Capita Personal Income (MSA)
BEA MSA-level
St. Charles
$58,527
Waukegan
$68,110
Waukegan +
Unemployment Rate
St. Charles
4.7%
Waukegan
4.3%
Waukegan +
Poverty Rate
St. Charles
18.7%
Waukegan
5.8%
Waukegan +
Bachelor's Degree+
St. Charles
22.7%
Waukegan
46.1%
Waukegan +
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Median HH Income | $55,578 | $97,263 | Waukegan + |
| Per Capita Income | $31,499 | $49,019 | Waukegan + |
| Per Capita Personal Income (MSA)BEA MSA-level | $58,527 | $68,110 | Waukegan + |
| Unemployment Rate | 4.7% | 4.3% | Waukegan + |
| Poverty Rate | 18.7% | 5.8% | Waukegan + |
| Bachelor's Degree+ | 22.7% | 46.1% | Waukegan + |
Housing
Median Home Value
Zillow ZHVI / Census ACS
St. Charles
$144,200
St. Charles +
Waukegan
$239,865
Homeownership Rate
St. Charles
61.4%
Waukegan
65.5%
Waukegan +
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Median Home ValueZillow ZHVI / Census ACS | $144,200 | $239,865 | St. Charles + |
| Homeownership Rate | 61.4% | 65.5% | Waukegan + |
Safety
Violent Crime / 100K
FBI CDE (state-level est.)
St. Charles
501
Waukegan
344
Waukegan +
Property Crime / 100K
FBI CDE (state-level est.)
St. Charles
2418
Waukegan
1842
Waukegan +
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Violent Crime / 100KFBI CDE (state-level est.) | 501 | 344 | Waukegan + |
| Property Crime / 100KFBI CDE (state-level est.) | 2418 | 1842 | Waukegan + |
Health
Obesity Rate
CDC PLACES
St. Charles
35.9%
St. Charles +
Waukegan
40.2%
Diabetes Rate
CDC PLACES
St. Charles
10.4%
St. Charles +
Waukegan
14.4%
Poor Mental Health
CDC PLACES — 14+ days/month
St. Charles
16.0%
St. Charles +
Waukegan
16.9%
No Health Insurance
CDC PLACES
St. Charles
7.1%
St. Charles +
Waukegan
21.3%
Binge Drinking
CDC PLACES
St. Charles
18.4%
Waukegan
14.8%
Waukegan +
Current Smokers
CDC PLACES
St. Charles
12.5%
St. Charles +
Waukegan
14.3%
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Obesity RateCDC PLACES | 35.9% | 40.2% | St. Charles + |
| Diabetes RateCDC PLACES | 10.4% | 14.4% | St. Charles + |
| Poor Mental HealthCDC PLACES — 14+ days/month | 16.0% | 16.9% | St. Charles + |
| No Health InsuranceCDC PLACES | 7.1% | 21.3% | St. Charles + |
| Binge DrinkingCDC PLACES | 18.4% | 14.8% | Waukegan + |
| Current SmokersCDC PLACES | 12.5% | 14.3% | St. Charles + |
Climate
Avg Annual Temp
NOAA 1991–2020 normal
St. Charles
N/A
Waukegan
47.8°F
Annual Precipitation
NOAA 1991–2020 normal
St. Charles
N/A
Waukegan
35.6 in
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Avg Annual TempNOAA 1991–2020 normal | N/A | 47.8°F | - |
| Annual PrecipitationNOAA 1991–2020 normal | N/A | 35.6 in | - |
Air Quality
PM2.5 Annual Avg
EPA AQS (state-level est.)
St. Charles
9.3 µg/m³
St. Charles +
Waukegan
9.4 µg/m³
Good Air Days
AQI ≤ 50
St. Charles
55.0%
Waukegan
55.0%
Tie
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| PM2.5 Annual AvgEPA AQS (state-level est.) | 9.3 µg/m³ | 9.4 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 +
Waukegan
33.7 min
| Metric | St. Charles, MO | Waukegan, IL | Better |
|---|---|---|---|
| Mean Commute TimeCensus ACS | 18.3 min | 33.7 min | St. Charles + |
Which City is Right for You?
Waukegan leads in median household income at $97,263, while st. Charles offers more affordable housing with a median home price of $144,200. On public safety, Waukegan is safer with a violent crime rate of 344 per 100,000 residents, compared to 501 in St. Charles. Waukegan has a lower unemployment rate at 4.3%, 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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