Chicago / St. Charles
St. Charles has 32,854 residents (give or take 153) (ACS 2020-2024 5-year, table B01003, https://data.census.gov/table/ACSDT5Y2024.B01003?g=160XX00US1766703, checked 2026-10-19), about 2,272 people per square mile.
St. Charles is about 33 miles from the Census center point for Chicago in a straight line and covers 14.458 square miles of land (Census 2024 Gazetteer internal points and land area, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/, checked 2026-10-19).
The quote form takes a ZIP code; for St. Charles that is 60174 (Census 2020 ZCTA to county subdivision and ZCTA to place relationship files, ZIP areas at least 20% inside the town, https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_cousub20_natl.txt and https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_place20_natl.txt, checked 2026-10-19).
Of the 13,161 occupied homes in St. Charles, 85% heat with natural gas, 0% with heating oil, 13% with electricity and 1% with propane (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=160XX00US1766703, checked 2026-10-19).
Gas heats 85% of St. Charles against electricity at 13%, so most quotes here are a partial-home system that carries the shoulder seasons and the summer while the gas furnace handles the coldest nights, or a whole-home system when the house is ready for it.
St. Charles has about the Kane County oil share of 0% and 1 points more electric heat than the county's 12% (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=050XX00US17089, checked 2026-10-19).
St. Charles has 13,829 housing units, 9% built before 1940 and 43% before 1980, with 24% built in 2000 or later (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US1766703, checked 2026-10-19).
St. Charles has 4 points fewer pre-1940 homes than Kane County as a whole (13%) and 6 points fewer homes built after 2000 than the county's 30% (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=050XX00US17089, checked 2026-10-19).
The median St. Charles home was built in 1984 (ACS 2020-2024 5-year, table B25035, https://data.census.gov/table/ACSDT5Y2024.B25035?g=160XX00US1766703, checked 2026-10-19) and the median home has 6.6 rooms (ACS 2020-2024 5-year, table B25018, https://data.census.gov/table/ACSDT5Y2024.B25018?g=160XX00US1766703, checked 2026-10-19).
59% of St. Charles homes are single-family detached, 7% are in two- to four-unit buildings and 20% are in buildings of five or more units (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=160XX00US1766703, checked 2026-10-19).
30% of St. Charles homes are rented (ACS 2020-2024 5-year, table B25003, https://data.census.gov/table/ACSDT5Y2024.B25003?g=160XX00US1766703, checked 2026-10-19), so beside the 59% detached houses there is a real share of jobs where the landlord, not the resident, signs the quote.
St. Charles has 10 points fewer detached houses than Kane County overall (69%) (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=050XX00US17089, checked 2026-10-19).
No electric utility is on file for St. Charles on this door yet, so this page does not name one; the name on the bill decides which rebate path applies.
Ameren Illinois Instant Incentives (ducted ASHP), run by Ameren Illinois, is a live program for Illinois addresses and lists a standard figure of $900 (registry row 45 verified 2026-10-15, https://amerenillinoissavings.com/residential/ducted-air-source-heat-pump/, checked 2026-10-16); confirm eligibility for the St. Charles address before counting it. With 13% of St. Charles homes already on electric heat and 86% on gas, oil or propane, the row that applies depends on the name on the electric bill and the fuel coming out.
Median household income in St. Charles is $114,300 (ACS 2020-2024 5-year, table B19013, https://data.census.gov/table/ACSDT5Y2024.B19013?g=160XX00US1766703, checked 2026-10-19); many state and utility heat pump rebate programs set higher incentive tiers for income-qualifying households, so the household income on the application, not the town median, decides which level applies.
Heating design temperature: -2F. Source: ENERGY STAR Design Temperature Limit Reference Guide (2019 Edition), Kane County row, 99% heating, PDF pages 29 to 33 of 141 (Revised 11/11/2020), https://www.energystar.gov/sites/default/files/Design%20Temperature%20Limit%20Reference%20Guide%20(2019%20Ed)%20-%20ENERGY%20STAR%20Single-Family%20New%20Homes_Rev11.pdf, fetched 2026-10-19, 99%.
That -2F figure is the Kane County cold-day number a St. Charles heat pump is sized against, so ask the installer to show the system's heating output at -2F, not at the milder rating-label temperature.
Ask whether the quote is whole-home or partial-home, because with 85% of St. Charles on gas and 13% already electric the two paths carry different rebate figures and different sizing.
Ask for the heat-loss calculation room by room; the median St. Charles home has 6.6 rooms and was built around 1984, and the count of heads and the tonnage follow the rooms and the insulation, not the square footage.
The form on this page is the follow-up for St. Charles. The public number is the number the contractor quotes from.
No local contractor is named on this door for St. Charles yet. A request from this page goes to the first licensed shop that takes the door.