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St. Charles, MI

Village in Saginaw County, Michigan. ZIP codes: 48655.

Population

1,934

Land area

2.1sq mi

People per sq mi

924

ZIP codes

1

St. Charles and its ZIP codes

Full map

St. Charles at a glance

  • St. Charles is about 5.2 times as dense as Michigan as a whole.
  • Households here earn a median of $50,000 a year, 31% less than the Michigan figure of $72,875.
  • A typical owner-occupied home is valued at $118,500 (49% below Michigan) and median rent is $460 a month.

Local data for St. Charles, MI

Counts from official public data

Housing and community stats

St. Charles, MI, American Community Survey 2020-2024

Full profile

Median household income

$50,000

Poverty rate

15.3%

Median home value

$118,500

Median rent

$460/mo

Homeownership

69.2%

Bachelor's or higher

18.3%

Median age

46.6

Average commute

26.9 min

Largest reported origins and ancestries: German Americans (554), Polish Americans (235), Irish Americans (221).

Home values and rentsIncome, education and commute

Economy and federal money

Jobs, pay, income and spending are for Saginaw County. PPP loans are for St. Charles.

Details

Unemployment rate

5.1%

Sep 2026, -0.4 pts in a year

Average annual pay

$60,997

80,210 jobs, 2025

Income per person

$52,699

BEA, 2024

Federal spending

$1.3B

FY 2026, $6,957 per person

PPP loans

$6.5M

106 loans, 842 jobs reported

Saginaw County economyFederal spendingPPP loans

How people get to work

St. Charles, MI, workers 16 and older. American Community Survey 5-year estimates

  • Drove alone76.6%
  • Carpooled6.1%
  • Public transit0.0%
  • Walked3.8%
  • Bicycle0.0%
  • Taxi, ride-hailing, motorcycle or other3.0%
  • Worked from home10.4%

Average one-way commute: 26.9 minutes for people who do not work from home.

Environment and hazard risk

St. Charles, MI, from FEMA, NOAA and EPA

Full report

Natural hazard risk

Relatively Moderate

Top: winter weather

Storm events since 1996

565

Countywide, mostly thunderstorm wind

Flood insurance policies

841

1.1% of homes, county

July high / Jan low

83° / 16°F

34.0 inches of rain a year

Hazards, floods and storm historyCheck a flood zone

Health statistics

Share of adults in St. Charles, MI, CDC PLACES estimates

All 40 measures

Obesity

34.4%

U.S. 33.3% +1.1 pts

Diabetes

12.3%

U.S. 12.1% about the same

Smoking

16.1%

U.S. 12.8% +3.3 pts

Uninsured (18-64)

6.8%

U.S. 11.1% -4.3 pts

ZIP codes in St. Charles

1 in or overlapping St. Charles. Population shown

·

Cities near St. Charles

NameDistanceLand area (sq mi)
ChesaningVillage7.6 mi3.1
ShieldsCensus-designated place9.1 mi7.9
HemlockCensus-designated place9.5 mi2.8
OakleyVillage11 mi1
MerrillVillage12 mi0.7
SaginawCity13 mi17.1
BurtCensus-designated place13 mi6
BridgeportCensus-designated place14 mi8.4
Buena VistaCensus-designated place15 mi4
MontroseCity15 mi1
FreelandCensus-designated place15 mi6.6
HendersonCensus-designated place15 mi3.6
New LothropVillage15 mi0.9
ZilwaukeeCity17 mi2.2
BreckenridgeVillage18 mi1.2
Birch RunVillage18 mi1.9

Frequently asked questions

What county is St. Charles, MI in?
St. Charles is in Saginaw County, Michigan.
What ZIP codes are in St. Charles, MI?
ZIP codes in or overlapping St. Charles include 48655.
What is the population of St. Charles, MI?
About 1,934 people live in St. Charles, based on American Community Survey 5-year estimates.
What cities are near St. Charles?
Nearby places include Chesaning (7.6 mi), Shields (9.1 mi), Hemlock (9.5 mi), Oakley (11 mi), Merrill (12 mi).

Source: U.S. Census Bureau (TIGER/Line boundaries, American Community Survey) · Data as of 12/31/2023

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