Saint Joe, IN—46785
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Joe, IN
As of Oct '25, the median home price in Saint Joe, IN is $288,000, with a year-over-year change of 4.4%. This indicates that home prices in Saint Joe, IN are increasing. According to Zillow, the 1-year price projection is 4.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $288,000 | 4.4% |
| Single Family | $288,000 | 4.7% |
| 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 | $272,000 | 5.4% |
4 Bed | $336,000 | 6.7% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Joe, IN
Saint Joe, IN 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 Joe, IN
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Joe, IN is 86. This is a increase of 118.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 0.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $324,000 | -44.0% |
Listing Count | 3 | 8.0% |
| Listings as % of Homes | N/A | 8.0% |
Days on Market | 86 | 118.0% |
Demographics — Saint Joe, IN
As of the latest ACS Survey released in 2023, Saint Joe, IN has a population of 1,630, which has increased by 8.4% over the past 5 years. Saint Joe, IN is a popular place for families, as children make up 27.6% of the population. The area has a poorly educated workforce, with 7.1% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 1,630 | 8.4% |
% Under 18 | 27.6% | 10.8% |
% Seniors | 13.9% | 47.9% |
% WFH | 5.5% | 44.7% |
% w/ College Degree | 7.1% | -59.4% |
As of the latest ACS Survey released in 2023, Saint Joe, IN is a predominantly white area, with 93.2% of the population identifying as white. The white population has grown by 7.1% in the last 5 years. The second most common race or ethnicity in Saint Joe, IN is hispanic, making up 5.5% of the population. Foreign-born residents account for 0.4% of the population in Saint Joe, IN, and this percentage has decreased by 20.0% 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 | 93.2% | 7.1% |
% Black | 0.0% | N/A |
% Hispanic | 5.5% | 7.8% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.4% | -20.0% |
Mortgage and Risk — Saint Joe, IN
According to HUD data as of 2023, there were 85 mortgage originations in Saint Joe, IN, of which 91.0% of loans were conventional mortgages. The average loan-to-value was 57.0%, with 16.0% above 90% LTV (elevated). This implies medium mortgage risk in Saint Joe, IN. Investor activity is low, as 2.0% of loans were by investors. 16.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 85 |
% Conventional Loans | 91.0% |
% Government Loans | 9.0% |
% Investor Loans | 2.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 16.0% |
Loan Activity
Rentals and Section 8 — Saint Joe, IN
Saint Joe, IN 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 | $710 |
| 2 Bedroom | N/A | N/A | $930 |
| 3 Bedroom | N/A | N/A | $1,160 |
| 4 Bedroom | N/A | N/A | $1,230 |
Affordability — Saint Joe, IN
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.5 |
| Median Home Price | $288,000 |
| Median Household Income | $69,000 |