Saint Joseph, MO—64505
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 $210,000, with a year-over-year change of 7.2%. 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 | $210,000 | 7.2% |
| Single Family | $210,000 | 7.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $138,000 | 6.2% |
3 Bed | $258,000 | 5.7% |
4 Bed | $392,000 | 5.7% |
| 5 Bed | $509,000 | 3.7% |
% of Housing Stock
Rental Trends — Saint Joseph, MO
As of July '25, Rentcast reports the average rent in Saint Joseph, MO is $1,080, with a year-over-year rent change of -11.5%. Per bedroom, the median rent as of July '25 in Saint Joseph, MO is studios: $850, 2-bedrooms: $906, 3-bedrooms: $1,180, 4-bedrooms: $1,550. The most common rental property sizes in Saint Joseph, MO are 2-bedroom and 3-bedroom, accounting for 49.1% and 32.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,100 | $1,080 |
| Studio Rent | $850 | $850 |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $850 | $906 |
| 3 Bed Rent | $1,150 | $1,180 |
| 4 Bed Rent | $1,550 | $1,550 |
% 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 43. 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 41.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $231,000 | 6.0% |
Listing Count | 58 | 12.0% |
| Listings as % of Homes | 0.6% | 12.0% |
Days on Market | 43 | -6.0% |
Demographics — Saint Joseph, MO
As of the latest ACS Survey released in 2023, Saint Joseph, MO has a population of 13,900, which has increased by 6.6% over the past 5 years. Saint Joseph, MO is a moderately popular place for families, as children make up 22.8% of the population. The area has a moderately educated workforce, with 27.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 13,900 | 6.6% |
% Under 18 | 22.8% | -8.1% |
% Seniors | 15.4% | -12.5% |
% WFH | 7.6% | 192.3% |
% w/ College Degree | 27.5% | 24.4% |
As of the latest ACS Survey released in 2023, Saint Joseph, MO is a predominantly white area, with 81.1% of the population identifying as white. The white population has shrunk by 8.6% in the last 5 years. The second most common race or ethnicity in Saint Joseph, MO is hispanic, making up 7.6% of the population. Foreign-born residents account for 3.9% of the population in Saint Joseph, MO, and this percentage has increased by 69.6% 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 | 81.1% | -8.6% |
% Black | 2.9% | -14.7% |
% Hispanic | 7.6% | 18.8% |
% Asian | 2.5% | 177.8% |
% Foreign Born | 3.9% | 69.6% |
Mortgage and Risk — Saint Joseph, MO
According to HUD data as of 2023, there were 215 mortgage originations in Saint Joseph, MO, of which 69.0% of loans were conventional mortgages. The average loan-to-value was 74.0%, with 41.0% above 90% LTV (very high). This implies large mortgage risk in Saint Joseph, MO. Investor activity is low, as 6.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 215 |
% Conventional Loans | 69.0% |
% Government Loans | 31.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
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 | 143 |
Total Units Section 8 | 143 |
% Rentals under Section 8 | 8.7% |
% Occupied Section 8 | 79.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $850 |
| 2 Bedroom | $260 | $850 | $1,110 |
| 3 Bedroom | $260 | $1,150 | $1,410 |
| 4 Bedroom | $30 | $1,550 | $1,580 |
Affordability — Saint Joseph, MO
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $210,000 |
| Median Household Income | $70,700 |