Saint Joseph, TN—38481
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Joseph, TN
As of Oct '25, the median home price in Saint Joseph, TN is $161,000, with a year-over-year change of -0.3%. This indicates that home prices in Saint Joseph, TN are flat. According to Zillow, the 1-year price projection is 2.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $161,000 | -0.3% |
| Single Family | $161,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | N/A | N/A |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Joseph, TN
Saint Joseph, TN lacks sufficient rental market data for analysis.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | N/A | N/A |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | N/A | N/A |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint Joseph, TN
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Joseph, TN is 26. This is a decrease of -6.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 133.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $161,000 | -26.0% |
Listing Count | 3 | -8.0% |
| Listings as % of Homes | 0.7% | -8.0% |
Days on Market | 26 | -6.0% |
Demographics — Saint Joseph, TN
As of the latest ACS Survey released in 2023, Saint Joseph, TN has a population of 876, which has decreased by -14.6% over the past 5 years. Saint Joseph, TN is a moderately popular place for families, as children make up 19.3% of the population. The area has a poorly educated workforce, with 11.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.8% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 876 | -14.6% |
% Under 18 | 19.3% | 1.0% |
% Seniors | 17.1% | -17.8% |
% WFH | 4.8% | -53.8% |
% w/ College Degree | 11.7% | 41.0% |
As of the latest ACS Survey released in 2023, Saint Joseph, TN is a predominantly white area, with 94.1% of the population identifying as white. The white population has grown by 0.6% in the last 5 years. The second most common race or ethnicity in Saint Joseph, TN is black, making up 2.9% of the population. Foreign-born residents account for 0.8% of the population in Saint Joseph, TN, and this percentage has decreased by 46.7% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 94.1% | 0.6% |
% Black | 2.9% | ∞% |
% Hispanic | 0.8% | -81.0% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.8% | -46.7% |
Mortgage and Risk — Saint Joseph, TN
According to HUD data as of 2023, there were 21 mortgage originations in Saint Joseph, TN, of which 57.0% of loans were conventional mortgages. The average loan-to-value was 60.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Saint Joseph, TN. Investor activity is low, as 5.0% of loans were by investors. 14.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 21 |
% Conventional Loans | 57.0% |
% Government Loans | 43.0% |
% Investor Loans | 5.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 14.0% |
Loan Activity
Rentals and Section 8 — Saint Joseph, TN
Saint Joseph, TN lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 1 |
Total Units Section 8 | 1 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $690 |
| 2 Bedroom | N/A | N/A | $900 |
| 3 Bedroom | N/A | N/A | $1,080 |
| 4 Bedroom | N/A | N/A | $1,190 |
Affordability — Saint Joseph, TN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $161,000 |
| Median Household Income | $45,900 |