St. Charles County Retirement Income Snapshot, Tax Year 2023

How to read this snapshot

This is a compilation and local tabulation of public government statistics. It is not a survey of clients, and it does not use any client information. It does not estimate household wealth, investable assets, or account balances. Dollar figures are amounts reported on individual income tax returns, subject to the IRS definitions and disclosure rules described below.

Renaud & Company is a fiduciary, SEC-registered investment adviser in O'Fallon. The firm compiled these figures so local households, reporters, and others have a single, sourced reference for retirement income reported in this county. The page is educational. It is not tax, legal, or individualized investment advice.

Official county totals (IRS county file)

Source: IRS Statistics of Income, Tax Year 2023 County data, St. Charles County, Missouri (STATEFIPS 29, COUNTYFIPS 183). Money amounts converted from thousands of dollars. Return counts are published rounded to the nearest 10. County data page; documentation.

ZIP Code areas and the towns they serve

Towns in St. Charles County do not each have their own exclusive ZIP Code. Several places share a ZIP, and two ZIPs in this table also include addresses outside the county. For that reason, this snapshot does not add ZIPs together to create a "town total." Use the ZIP rows, and the guide below, instead.

• O'Fallon: look at ZIP 63366 and 63368 (these ZIPs are also used by neighboring places)
• Lake Saint Louis: look at ZIP 63367
• Wentzville: look at ZIP 63385 (also used by Flint Hill and nearby addresses)
• St. Peters: look at ZIP 63376 (some St. Peters addresses also use 63304)
• St. Charles: look at ZIP 63301 and 63303 (some St. Charles, Cottleville and Weldon Spring addresses use 63304)
• Cottleville: look at ZIP 63304 and 63368 (shared with other places; no exclusive ZIP)
• Dardenne Prairie: look at ZIP 63368 (shared with O'Fallon and Cottleville; no exclusive ZIP)
• Weldon Spring: look at ZIP 63304 (shared with Cottleville, St. Charles and St. Peters; no exclusive ZIP)

Sources: IRS Statistics of Income, Tax Year 2023 ZIP Code data (data page; documentation). The 14 standard ZIP Codes are those listed for Saint Charles County by Hometown Locator; place names also reflect municipal addresses published by St. Charles County. Population, households, and median household income are U.S. Census Bureau American Community Survey 5-year estimates, 2024, for ZIP Code Tabulation Areas (ZCTAs), which are not identical to USPS ZIP Codes. ACS figures for ZCTAs 63357 and 63386 are not shown. A machine-readable version of these tables is available on request at (636) 240-5055.

Methodology and limitations

Every IRS figure on this page was recomputed from the agency's Tax Year 2023 micro-tabulations. ZIP figures come from the file 23zpallagi.csv. County figures come from the St. Charles County rows (STATEFIPS 29, COUNTYFIPS 183) of 23incyallagi.csv. Money amounts in both files are reported in thousands of dollars; this snapshot multiplies those amounts by 1,000 and shows whole dollars. The IRS rounds counts of returns to the nearest 10.

ZIP Code areas are not the same as the county, and they are not the same as city limits. The official county total is the figure to use when speaking about St. Charles County as a whole. The ZIP table is the figure to use when looking at a town or a postal area. The sum of the 14 ZIP areas will not equal the official county total, because:

• ZIP 63348 (Foristell) and ZIP 63357 (Marthasville) include addresses outside St. Charles County.
• Hometown Locator lists four PO Box ZIP Codes in the county — 63302, 63338, 63346, and 63365 — that do not appear as separate rows in the IRS ZIP file. The IRS places ZIP Codes with fewer than 100 returns, and some nonresidential ZIP Codes, in a statewide "other" category (99999), which cannot be divided back to this county.
• The address on a tax return may differ from the filer's residence.
• The county file and the ZIP file use different adjusted gross income classes. The county file includes a class for adjusted gross income under $1 (including deficit). The ZIP file excludes tax returns with negative adjusted gross income.
• The IRS suppresses or combines some cells to protect taxpayer identity. Items based on fewer than 20 returns in a ZIP Code are excluded. In a given adjusted gross income class, items with fewer than 20 returns may be combined with another class. In small ZIPs such as 63373 and 63386, some dollar amounts may therefore be incomplete.

The IRS tabulated these data from Forms 1040 filed and processed from January 1, 2024, through December 31, 2024. Most of those returns are for Tax Year 2023. A limited number of earlier-year returns are included as a proxy, which is the IRS's usual geographic method. Many people are not required to file an individual income tax return, so these figures do not represent the full population. The IRS notes that the number of returns approximates the number of households, but a return is not the same thing as a household.

Taxable Social Security benefits are the taxable portion reported on Form 1040, not the total Social Security paid to residents. Net capital gain is gain less loss and can be reduced by losses. Taxable IRA distributions and taxable pensions follow the IRS line definitions in the Tax Year 2023 documentation. "Elderly" returns, in the IRS files, are returns whose primary taxpayer is age 60 or older.

Census ACS 5-year 2024 estimates are a different data set, for a different period and geography (ZCTAs). They are shown only as context. They should not be added to, or treated as a substitute for, the IRS counts.

This snapshot does not include any modeled estimates of investable assets or household net worth.