Saint Joseph, MO—64504
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Joseph, MO
As of Oct '25, the median home price in Saint Joseph, MO is $131,000, with a year-over-year change of 7.9%. This indicates that home prices in Saint Joseph, MO are increasing. According to Zillow, the 1-year price projection is 1.9%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $131,000 | 7.9% |
| Single Family | $131,000 | 6.5% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $107,000 | 9.2% |
3 Bed | $167,000 | 6.4% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Joseph, MO
As of July '25, Rentcast reports the average rent in Saint Joseph, MO is $1,110, with a year-over-year rent change of 15.1%. Per bedroom, the median rent as of July '25 in Saint Joseph, MO is 2-bedrooms: $1,380, 3-bedrooms: $1,020. The most common rental property sizes in Saint Joseph, MO are 2-bedroom and 3-bedroom, accounting for 38.7% and 24.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,050 | $1,110 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,380 | $1,380 |
| 3 Bed Rent | $1,050 | $1,020 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Saint Joseph, MO
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Joseph, MO is 38. This is a decrease of -5.0% 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 58.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $154,000 | 22.0% |
Listing Count | 31 | -2.0% |
| Listings as % of Homes | 0.6% | -2.0% |
Days on Market | 38 | -5.0% |
Demographics — Saint Joseph, MO
As of the latest ACS Survey released in 2023, Saint Joseph, MO has a population of 10,300, which has decreased by -7.5% over the past 5 years. Saint Joseph, MO is a moderately popular place for families, as children make up 24.7% of the population. The area has a poorly educated workforce, with 13.3% 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 | 10,300 | -7.5% |
% Under 18 | 24.7% | -3.1% |
% Seniors | 16.9% | 27.1% |
% WFH | 5.5% | 223.5% |
% w/ College Degree | 13.3% | 2.3% |
As of the latest ACS Survey released in 2023, Saint Joseph, MO is a predominantly white area, with 83.2% of the population identifying as white. The white population has shrunk by 1.8% in the last 5 years. The second most common race or ethnicity in Saint Joseph, MO is hispanic, making up 9.1% of the population. Foreign-born residents account for 3.9% of the population in Saint Joseph, MO, and this percentage has increased by 30.0% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 83.2% | -1.8% |
% Black | 3.3% | -28.3% |
% Hispanic | 9.1% | 15.2% |
% Asian | 0.3% | -70.0% |
% Foreign Born | 3.9% | 30.0% |
Mortgage and Risk — Saint Joseph, MO
According to HUD data as of 2023, there were 198 mortgage originations in Saint Joseph, MO, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 78.0%, with 38.0% above 90% LTV (very high). This implies large mortgage risk in Saint Joseph, MO. Investor activity is low, as 13.0% of loans were by investors. 9.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 198 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 13.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 9.0% |
Loan Activity
Rentals and Section 8 — Saint Joseph, MO
Saint Joseph, MO lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 211 |
Total Units Section 8 | 187 |
% Rentals under Section 8 | 15.8% |
% Occupied Section 8 | 88.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $800 |
| 2 Bedroom | -$330 | $1,380 | $1,050 |
| 3 Bedroom | $280 | $1,050 | $1,330 |
| 4 Bedroom | N/A | N/A | $1,490 |
Affordability — Saint Joseph, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2 |
| Median Home Price | $131,000 |
| Median Household Income | $55,300 |