Census tract · St. Charles County
Census Tract 3109.03, St. Charles County, Missouri
Census Tract 3109.03, GEOID 29183310903, in St. Charles County, Missouri, mostly within St. Charles (54% of its census blocks). 3,935 residents in the ACS 2020-2024 5-year estimates (±460); the 2020 Census counted 4,051.
Residents, 2020-2024
3,935
±460 (90% margin)
2020 Census count: 4,051
Median household income
$87,347
±$8,421 (90% margin)
St. Charles County: $104,692
Median home value
$329,000
±$24,708 (90% margin)
St. Charles County: $320,800
Median gross rent
$1,345
±$50 (90% margin)
St. Charles County: $1,370
Where is Census Tract 3109.03?
Census Tract 3109.03 is one of 85 census tracts in St. Charles County, Missouri. It covers 0.96 square miles of land, 4,207 residents per square mile in 2020. Its GEOID, 29183310903, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| St. Charles | 54% |
| St. Peters | 1% |
7 census tracts border Census Tract 3109.03: Tract 3107 ($58,574), Tract 3108.02 ($95,554), Tract 3109.01 ($71,944), Tract 3109.02 ($81,786), Tract 3112.12 ($110,714), Tract 3123 ($138,618) and Tract 3124 ($49,737). 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 3109.03?
The 2020-2024 American Community Survey puts Census Tract 3109.03's population at 3,935 (±460) in 1,800 households; the 2020 Census counted 4,051 residents and 1,863 housing units.
| Measure | Tract 3109.03 | St. Charles |
|---|---|---|
| Total population | 3,935 ±460 | 71,508 |
| Households | 1,800 ±201 | 30,362 |
| Average household size | 2.18 ±0.14 | 2.20 |
| Housing units | 1,902 ±193 | 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 3109.03?
The median resident of Census Tract 3109.03 is 39.4 years old; 15.5% are under 18 and 17.7% are 65 or older. The largest group is non-Hispanic white residents at 81.9%, then non-Hispanic Black residents at 6.4%. 3.6% of residents were born outside the United States.
| Measure | Tract 3109.03 | St. Charles |
|---|---|---|
| Median age | 39.4 ±2.2 | 38.6 |
| Under 18 years | 15.5% ±3.1 pts | 17.7% |
| 65 years and over | 17.7% ±3.0 pts | 18.3% |
| Hispanic or Latino (any race) | 3.6% ±2.6 pts | 6.5% |
| White alone, not Hispanic | 81.9% ±6.4 pts | 77.7% |
| Black or African American alone, not Hispanic | 6.4% ±4.0 pts | 7.2% |
| Asian alone, not Hispanic | 3.2% ±2.2 pts | 3.8% |
| American Indian and Alaska Native alone, not Hispanic | 0.5% ±0.7 pts | 0.1% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 1.0% ±1.6 pts | 0.0% |
| Two or more races, not Hispanic | 3.3% ±2.5 pts | 4.3% |
| Some other race alone, not Hispanic | 0.0% ±0.9 pts | 0.4% |
| Born outside the United States | 3.6% ±2.3 pts | 6.2% |
| Speak a language other than English at home (age 5+) | 5.4% ±2.8 pts | 8.5% |
| Civilian veterans (age 18+) | 5.6% ±2.1 pts | 6.7% |
| With a disability | 14.3% ±4.3 pts | 13.1% |
| No health insurance coverage | 3.4% ±2.1 pts | 5.0% |
| High school graduate or higher (age 25+) | 97.4% ±2.1 pts | 94.9% |
| Bachelor's degree or higher (age 25+) | 48.0% ±7.3 pts | 43.3% |
| Graduate or professional degree (age 25+) | 18.4% ±6.1 pts | 17.0% |
| Lived in the same house a year earlier | 80.4% ±6.5 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 3109.03 earn?
Half of the 1,800 households in Census Tract 3109.03 earn less than $87,347 a year (±$8,421), against $104,692 across St. Charles County: 66th highest of the county's 84 tracts with a reliable estimate. 9.0% of residents live below the poverty line.
| Measure | Tract 3109.03 | St. Charles |
|---|---|---|
| Median household income | $87,347 ±$8,421 | $85,937 |
| Mean household income | $112,009 ±$22,422 | $114,464 |
| Per capita income | $52,368 ±$10,474 | $49,608 |
| People below the poverty line | 9.0% ±3.5 pts | 7.3% |
| Children under 18 below the poverty line | 3.0% ±4.4 pts | 8.5% |
| Households receiving SNAP | 3.3% ±3.2 pts | 4.6% |
| Households with a computer | 97.7% ±2.3 pts | 97.5% |
| Households with a broadband subscription | 93.1% ±5.1 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 3109.03?
Owners occupy 63.4% of Census Tract 3109.03's occupied homes and renters 36.6%. The median owner-occupied home is valued at $329,000 by its owner (±$24,708). The median renter pays $1,345 a month including utilities, and 45.7% of renters pay 35% or more of their income on rent.
| Measure | Tract 3109.03 | St. Charles |
|---|---|---|
| Median home value (owner-occupied) | $329,000 ±$24,708 | $298,700 |
| Median gross rent | $1,345 ±$50 | $1,251 |
| Renters paying 35% or more of income on rent | 45.7% ±13.1 pts | 32.4% |
| Median monthly owner costs, with a mortgage | $1,881 ±$167 | $1,808 |
| Owner-occupied homes | 63.4% ±6.0 pts | 68.0% |
| Renter-occupied homes | 36.6% ±6.0 pts | 32.0% |
| Housing units | 1,902 ±193 | 32,305 |
| Single-family detached homes | 61.9% ±5.4 pts | 58.8% |
| Mobile homes | 2.2% ±2.7 pts | 5.2% |
| Built 2020 or later | 0.0% ±1.8 pts | 3.1% |
| Built 2010 to 2019 | 1.3% ±1.1 pts | 12.1% |
| Built 1939 or earlier | 0.5% ±0.7 pts | 6.8% |
| Households with no vehicle | 1.4% ±1.6 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 3109.03 get to work?
75.9% of Census Tract 3109.03's workers drive alone and 17.3% work from home. The average trip to work takes 23.1 minutes.
| Measure | Tract 3109.03 | St. Charles |
|---|---|---|
| In the labor force (age 16+) | 70.4% ±5.4 pts | 64.5% |
| Unemployment rate | 0.3% ±0.6 pts | 2.9% |
| Drove alone to work | 75.9% ±6.8 pts | 73.8% |
| Carpooled | 3.4% ±3.1 pts | 5.4% |
| Public transportation | 0.0% ±1.5 pts | 0.2% |
| Walked | 1.8% ±1.5 pts | 1.5% |
| Worked from home | 17.3% ±5.6 pts | 18.0% |
| Mean travel time to work | 23.1 min ±2.3 | 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 3109.03 compare with the other tracts in St. Charles County?
Among St. Charles County's tracts with a reliable estimate, Census Tract 3109.03 ranks as shown below (1 = highest).
| Measure | In St. Charles County | In St. Charles |
|---|---|---|
| Population | 62nd of 84 | 12th of 20 |
| Residents per square mile | 11th of 85 | 4th of 20 |
| Median household income | 66th of 84 | 9th of 20 |
| Per capita income | 35th of 84 | 7th of 20 |
| Median home value | 38th of 84 | 3rd of 20 |
| Median gross rent | 43rd of 73 | 5th of 19 |
| Poverty rate | 9th of 36 | 5th of 15 |
| Bachelor's degree or higher | 22nd of 84 | 4th of 20 |
| Median age | 50th of 84 | 10th of 20 |
| Owner-occupied share | 75th of 84 | 14th of 20 |
The tracts next to it on St. Charles County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| 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 |
| Tract 3106.01 | 65th | $88,125±$22,927 · within the margin of this tract |
| Tract 3109.03 | 66th | $87,347±$8,421 |
| Tract 3116.02 | 67th | $86,426±$9,680 · within the margin of this tract |
| Tract 3111.49 | 68th | $84,719±$18,594 · within the margin of this tract |
| Tract 3116.03 | 69th | $82,840±$16,903 · 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 3109.03?
2 of the 18 figures for Census Tract 3109.03 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