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Ok so this might be kind of a dumb question, but as a relatively new player this is a situation that has come up in games a few times and I was never fully sure on how to resolve it.

If you have a unit on say the second floor of a ruin and they're taking up the whole floor with no space for any other models to stand on the same level as them can they still be charged? Or I guess if they do get charged can that unit actually complete the charge and attack them? My gut says no they can't finish the charge since there isn't anywhere to stand within 1'' of my models but it still feels a little game-y to me so I wasn't sure.

Check the FAQs.

Q: If a unit declares a charge against an enemy unit that is
entirely on the upper level of a terrain feature such as a ruin,
Sector Mechanicus structure, etc., but it cannot physically end
its charge move within 1" of any models from that unit (either
because there is not enough room to place the charging unit, or
because the charging unit is unable to end its move on the upper
levels of that terrain feature because of the expanded terrain rules
for it – as with ruins, for example), does that charge fail?
A: Yes.

Ah my bad, I really should have checked the FAQs first! Thank you for helping with my foolish question nonetheless!