Census tract · St. Charles County
Census Tract 3103.02, St. Charles County, Missouri
Census Tract 3103.02, GEOID 29183310302, in St. Charles County, Missouri, entirely within St. Charles. 3,847 residents in the ACS 2020-2024 5-year estimates (±564); the 2020 Census counted 3,980.
Residents, 2020-2024
3,847
±564 (90% margin)
2020 Census count: 3,980
Median household income
$90,774
±$10,021 (90% margin)
St. Charles County: $104,692
Median home value
$245,400
±$23,576 (90% margin)
St. Charles County: $320,800
Median gross rent
$998
±$947 (90% margin)
St. Charles County: $1,370
Where is Census Tract 3103.02?
Census Tract 3103.02 is one of 85 census tracts in St. Charles County, Missouri. It covers 0.99 square miles of land, 4,020 residents per square mile in 2020. Its GEOID, 29183310302, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. Charles | 100% |
6 census tracts border Census Tract 3103.02: Tract 3102.02 ($76,950), Tract 3103.01 ($91,969), Tract 3104 ($72,115), Tract 3105.02 ($59,754), Tract 3106.01 ($88,125) and Tract 3106.02 ($108,625). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 3103.02?
The 2020-2024 American Community Survey puts Census Tract 3103.02's population at 3,847 (±564) in 1,615 households; the 2020 Census counted 3,980 residents and 1,839 housing units.
| Measure | Tract 3103.02 | St. Charles |
|---|---|---|
| Total population | 3,847 ±564 | 71,508 |
| Households | 1,615 ±222 | 30,362 |
| Average household size | 2.31 ±0.16 | 2.20 |
| Housing units | 1,794 ±196 | 32,305 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 3103.02?
The median resident of Census Tract 3103.02 is 40.8 years old; 19.2% are under 18 and 18.5% are 65 or older. The largest group is non-Hispanic white residents at 85.8%, then non-Hispanic Black residents at 6.9%. 4.9% of residents were born outside the United States.
| Measure | Tract 3103.02 | St. Charles |
|---|---|---|
| Median age | 40.8 ±4.9 | 38.6 |
| Under 18 years | 19.2% ±4.1 pts | 17.7% |
| 65 years and over | 18.5% ±4.5 pts | 18.3% |
| Hispanic or Latino (any race) | 2.2% ±1.8 pts | 6.5% |
| White alone, not Hispanic | 85.8% ±4.8 pts | 77.7% |
| Black or African American alone, not Hispanic | 6.9% ±4.0 pts | 7.2% |
| Asian alone, not Hispanic | 3.1% ±2.4 pts | 3.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.9 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Two or more races, not Hispanic | 2.0% ±1.3 pts | 4.3% |
| Some other race alone, not Hispanic | 0.0% ±0.9 pts | 0.4% |
| Born outside the United States | 4.9% ±2.6 pts | 6.2% |
| Speak a language other than English at home (age 5+) | 5.8% ±3.7 pts | 8.5% |
| Civilian veterans (age 18+) | 5.0% ±2.1 pts | 6.7% |
| With a disability | 14.3% ±4.3 pts | 13.1% |
| No health insurance coverage | 3.6% ±2.2 pts | 5.0% |
| High school graduate or higher (age 25+) | 95.8% ±2.3 pts | 94.9% |
| Bachelor's degree or higher (age 25+) | 39.2% ±8.2 pts | 43.3% |
| Graduate or professional degree (age 25+) | 16.0% ±4.8 pts | 17.0% |
| Lived in the same house a year earlier | 89.8% ±4.1 pts | 85.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 3103.02 earn?
Half of the 1,615 households in Census Tract 3103.02 earn less than $90,774 a year (±$10,021), against $104,692 across St. Charles County: 61st highest of the county's 84 tracts with a reliable estimate. 7.8% of residents live below the poverty line.
| Measure | Tract 3103.02 | St. Charles |
|---|---|---|
| Median household income | $90,774 ±$10,021 | $85,937 |
| Mean household income | $103,075 ±$13,183 | $114,464 |
| Per capita income | $44,645 ±$6,179 | $49,608 |
| People below the poverty line | 7.8% ±4.3 pts | 7.3% |
| Children under 18 below the poverty line | 13.9% ±13.4 pts | 8.5% |
| Households receiving SNAP | 3.2% ±2.4 pts | 4.6% |
| Households with a computer | 95.0% ±4.3 pts | 97.5% |
| Households with a broadband subscription | 94.1% ±3.2 pts | 94.6% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 3103.02?
Owners occupy 89.1% of Census Tract 3103.02's occupied homes and renters 10.9%. The median owner-occupied home is valued at $245,400 by its owner (±$23,576).
| Measure | Tract 3103.02 | St. Charles |
|---|---|---|
| Median home value (owner-occupied) | $245,400 ±$23,576 | $298,700 |
| Median gross rent | $998 ±$947 | $1,251 |
| Renters paying 35% or more of income on rent | 50.9% ±24.3 pts | 32.4% |
| Median monthly owner costs, with a mortgage | $1,562 ±$199 | $1,808 |
| Owner-occupied homes | 89.1% ±4.5 pts | 68.0% |
| Renter-occupied homes | 10.9% ±4.5 pts | 32.0% |
| Housing units | 1,794 ±196 | 32,305 |
| Single-family detached homes | 83.1% ±5.7 pts | 58.8% |
| Mobile homes | 0.0% ±1.9 pts | 5.2% |
| Built 2020 or later | 2.1% ±1.8 pts | 3.1% |
| Built 2010 to 2019 | 13.4% ±3.8 pts | 12.1% |
| Built 1939 or earlier | 12.7% ±4.7 pts | 6.8% |
| Households with no vehicle | 3.2% ±2.2 pts | 4.7% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 3103.02 get to work?
78.4% of Census Tract 3103.02's workers drive alone and 13.3% work from home. The average trip to work takes 20.9 minutes.
| Measure | Tract 3103.02 | St. Charles |
|---|---|---|
| In the labor force (age 16+) | 65.7% ±7.1 pts | 64.5% |
| Unemployment rate | 1.8% ±1.6 pts | 2.9% |
| Drove alone to work | 78.4% ±6.8 pts | 73.8% |
| Carpooled | 5.2% ±2.9 pts | 5.4% |
| Public transportation | 0.5% ±1.0 pts | 0.2% |
| Walked | 1.0% ±1.0 pts | 1.5% |
| Worked from home | 13.3% ±4.9 pts | 18.0% |
| Mean travel time to work | 20.9 min ±1.8 | 21.6 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 3103.02 compare with the other tracts in St. Charles County?
Among St. Charles County's tracts with a reliable estimate, Census Tract 3103.02 ranks as shown below (1 = highest).
| Measure | In St. Charles County | In St. Charles |
|---|---|---|
| Population | 64th of 84 | 13th of 20 |
| Residents per square mile | 17th of 85 | 6th of 20 |
| Median household income | 61st of 84 | 7th of 20 |
| Per capita income | 61st of 84 | 13th of 20 |
| Median home value | 69th of 84 | 13th of 20 |
| Poverty rate | 14th of 36 | 8th of 15 |
| Bachelor's degree or higher | 49th of 84 | 12th of 20 |
| Median age | 40th of 84 | 9th of 20 |
| Owner-occupied share | 33rd of 84 | 1st of 20 |
The tracts next to it on St. Charles County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 3103.01 | 58th | $91,969±$8,892 · within the margin of this tract |
| Tract 3113.11 | 59th | $91,434±$20,096 · within the margin of this tract |
| Tract 3108.01 | 60th | $90,841±$10,107 · within the margin of this tract |
| Tract 3103.02 | 61st | $90,774±$10,021 |
| Tract 3114.22 | 62nd | $88,979±$9,722 · within the margin of this tract |
| Tract 3117.33 | 63rd | $88,672±$20,956 · within the margin of this tract |
| Tract 3118.02 | 64th | $88,320±$19,517 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 3103.02?
3 of the 18 figures for Census Tract 3103.02 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections