The Town FilesCottleville, Missouri
City in St. Charles County · population 5,611 (2020 Census)
- Median home
- $435,400
- Household income
- $131,310
- Jan low / Jul high
- 21° / 88°
- Snow a year
- 15 in
- Tornadoes ≤10 mi since 1950
- 37
- Median age
- 41.1
Cottleville is a city of 5,611 people in St. Charles County, Missouri. The median home is worth $435,400, above the typical Missouri town ($153,900). It ranks better for families than 97% of Missouri towns, more upscale than 94% of Missouri towns, more of a college town than 91% of Missouri towns.
How Cottleville ranks
Percentile among Missouri towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Missouri towns.
Homes and cost of living
The median home in Cottleville is worth $435,400, above the typical Missouri town ($153,900). Homes cost about 3.3 times the median household income of $131,310, which is more affordable than 25% of Missouri towns. Median rent is $1,624 a month. 80.6% of households own their home.
| Housing | Cottleville | Typical Missouri town |
|---|---|---|
| Median home value | $435,400 | $153,900 |
| Median rent | $1,624 | $855 |
| Median household income | $131,310 | $56,368 |
| Home value ÷ income | 3.3× | 2.7× |
| Homeownership | 80.6% | 67.4% |
| Median year built | 2012 | 1972 |
| Seasonal / vacation homes | 0.0% | — |
Who lives in Cottleville
| People | Cottleville | Typical Missouri town |
|---|---|---|
| Median age | 41.1 | 38.6 |
| Age 65 and over | 15.2% | 17.7% |
| Under 18 | 22.0% | — |
| Bachelor's degree or higher | 53.3% | 18.9% |
| Below the poverty line | 2.0% | 14.6% |
| Veterans | 3.7% | — |
| Born outside the U.S. | 6.2% | — |
| Work from home | 13.7% | 7.9% |
| Average commute | 22.5 min | 23.1 min |
| Homes with broadband | 98.1% | 88.7% |
Weather in Cottleville
July highs average 88.1°F and January lows 21.2°F. About 42.3 inches of rain and melted snow fall a year, with 14.8 inches of snow (typical Missouri town: 11.1 in). Expect about 39 days a year at 90°F or hotter and 103 nights at or below freezing.
Tornadoes, storms and disasters
37 tornadoes have passed within 10 miles of Cottleville since 1950, compared with 23 for the typical Missouri town. 14 rated (E)F2 or stronger. The strongest, an EF4, struck on April 22, 2011 about 9.3 miles from the town center. Tornadoes within 10 miles have caused 4 deaths and 303 injuries since 1950. The most recent was on June 4, 2025.
Hail of 1 inch or larger has been reported within 10 miles 202 times; the largest was 4.00 inches on May 11, 2016.
Severe weather in St. Charles County since 1996
St. Charles County has been included in 28 federal disaster or emergency declarations since 1953, most often for flood, drought, tornado.
| Declared | Incident | Declaration |
|---|---|---|
| August 8, 2022 | Flood | DR-4665: Severe Storms And Flooding |
| March 26, 2020 | Biological | DR-4490: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3482: Covid-19 |
| July 9, 2019 | Severe Storm | DR-4451: Severe Storms, Tornadoes, And Flooding |
| January 21, 2016 | Flood | DR-4250: Severe Storms, Tornadoes, Straight-Line Winds, And Flooding |
Jobs and pay in St. Charles County
St. Charles County had 162,611 jobs in 2024, paying an average of $60,105 a year. Unemployment was 2.5% in 2023; in Cottleville itself the ACS puts it at 2.3%.
Public schools in Cottleville
10 public schools with 7,764 students, about 15.1 students per teacher.
| School | Grades | Students | Per teacher |
|---|---|---|---|
| FRANCIS HOWELL CENTRAL HIGH | 9-12 | 1,741 | 19.1 |
| FT. ZUMWALT SOUTH HIGH | 9-12 | 1,245 | 13.8 |
| FT. ZUMWALT SOUTH MIDDLE | 6-8 | 863 | 13.1 |
| CENTRAL ELEM. | PK-5 | 839 | 13.8 |
| HOLLENBECK MIDDLE | 6-8 | 760 | 16.5 |
| WARREN ELEM. | K-5 | 758 | 14.9 |
| SAEGER MIDDLE | 6-8 | 737 | 16.4 |
| PROGRESS SOUTH ELEM. | K-5 | 640 | 12.1 |
| EARLY CHILD FAMILY EDUC. CTR. | PK-PK | 160 | 17.8 |
| Boonslick | K-12 | 21 | 7.0 |
Towns near Cottleville
- Weldon Spring, MO2.9 mi · 5,326 people · home $544,300
- Dardenne Prairie, MO3.2 mi · 12,743 people · home $432,000
- St. Peters, MO3.6 mi · 57,732 people · home $269,900
- O'Fallon, MO3.9 mi · 91,316 people · home $326,200
- Lake St. Louis, MO7.2 mi · 16,707 people · home $405,900
- Chesterfield, MO7.8 mi · 49,999 people · home $472,500
- St. Paul, MO8.1 mi · 3,005 people · home $443,600
- St. Charles, MO8.3 mi · 70,493 people · home $298,700
Cottleville questions
Is Cottleville, Missouri a good place to retire?
On The Town Files lifestyle rankings, Cottleville scores better for retirees than 61% of Missouri towns and quieter than 26%. 15.2% of residents are 65 or older (median age 41.1).
How much does a house cost in Cottleville?
The median owner-occupied home in Cottleville is valued at $435,400 (Census ACS 2020–2024), against a median household income of $131,310, so homes cost about 3.3 times income. Median rent is $1,624 a month.
What is the weather like in Cottleville?
July highs average 88.1°F and January lows 21.2°F (NOAA 1991–2020 normals). It gets about 42.3 inches of precipitation a year and 14.8 inches of snow.
Does Cottleville get tornadoes?
37 tornadoes have passed within 10 miles of Cottleville since 1950 (NOAA Storm Events); the strongest was an EF4 on April 22, 2011. The typical Missouri town has had 23.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)