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Saint Joseph, MO—64504

Real Estate Data & Market Trends

Key Metrics at a Glance

Median Home Value
$137,000
0.5% YoY Growth
Household Income
$55,300
15.3% YoY Growth
Days on Market
57
48.0% Longer YoY
Home Price Forecast
1.5%
Median Rent
$1,050
15.1% YoY Growth
1-Bed Rent
N/A
N/A
2-Bed Rent
$1,380
62.4% YoY Growth
3-Bed Rent
$1,050
13.6% YoY Growth

Other Zip Codes in Saint Joseph, MO

6450764505645066450364501
  • Home Price Trends
  • Rental Trends
  • Property Listings
  • Demographics
  • Mortgage and Risk

Home Price Trends — Saint Joseph, MO

As of May '26, the median home price in Saint Joseph, MO is $137,000, with a year-over-year change of 0.5%. This indicates that home prices in Saint Joseph, MO are flat. According to Zillow, the 1-year price projection is 1.5%, suggesting an increase housing market in the next year.

Cost per Home Type

Home TypeMedian Home ValueYoY % Change
All Homes
$137,0000.5%
Single Family $137,000-0.7%
Condos N/AN/A

Cost per Home Size

Home SizeMedian Home ValueYoY % Change
1 Bed

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  • Affordability
  • Rentals and Section 8
    • N/A
    N/A
    2 Bed
    		$111,000-0.9%
    3 Bed
    		$172,0000.0%
    4 Bed
    		N/AN/A
    5 Bed N/AN/A
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    % of Housing Stock

    Studio
    2.8%
    1 Bedroom
    11.6%
    2 Bedrooms
    33.6%
    3 Bedrooms
    37.4%
    4 Bedrooms
    11.9%
    5+ Bedrooms
    2.7%

    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.

    TypeMedian RentAverage Rent
    Average Rent$1,050$1,110
    Studio Rent N/AN/A
    1 Bed Rent N/AN/A
    2 Bed Rent $1,380$1,380
    3 Bed Rent $1,050$1,020
    4 Bed Rent N/AN/A
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    % of Rental Stock

    Studio
    6.9%
    1 Bedroom
    22.0%
    2 Bedrooms
    38.7%
    3 Bedrooms
    24.9%
    4 Bedrooms
    6.5%
    5+ Bedrooms
    1.1%

    Property Listings — Saint Joseph, MO

    As of May '26, Realtor.com reports that the median days on market for a home in Saint Joseph, MO is 57. This is a increase of 48.0% 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 11.0%, representing a small inventory and little supply pressure on home prices.

    MetricZip Code AverageYear over Year % Change
    Median Listing Price
    		$122,00020.0%
    Listing Count
    		3682.0%
    Listings as % of Homes0.6%82.0%
    Days on Market
    		5748.0%
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    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.

    MetricLatest CensusYoY % 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%
    Loading chart...

    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

    MetricLatest Census5-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%
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    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

    MetricZip 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%
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    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 SizeHUD PremiumMarket RentMax HUD Rent
    1 BedroomN/AN/A$800
    2 Bedroom-$330$1,380$1,050
    3 Bedroom$280$1,050$1,330
    4 BedroomN/AN/A$1,490

    Affordability — Saint Joseph, MO

    Home Price to Income Ratio

    MetricZip Code Average
    Home Price to Income Ratio2.1
    Median Home Price$137,000
    Median Household Income$55,300

    Saint Joseph, MO — ZIP Code Boundary Map

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    Nearby ZIP Codes

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    Frequently Asked Questions