St. Joseph
Missouri · Ranked #19 of 373 metros
93Affordable
💡
Housing in St. Joseph costs 2.74× the median income, below the national average of 4.5×. The median home price is $172K and median rent is $898/month. St. Joseph ranks #19 of 373 metros for affordability.
Median Home Price
🏠$172K
Need $51K income
Median Rent
🔑$898
Need $36K income
Building Permits
🔨81
annual
Median Income
💰$63K
Pop: 120,248
Rent Burden
⚠️21.7%
of renters paying >30%
Homeownership
🏡70.0%
Rent Burden
vs. National Average
Key Facts vs. National Average
| Metric | St. Joseph | National |
|---|---|---|
| Price-to-Income Ratio | 2.74x | 6.1x |
| Rent Burden | 21.7% | 31.5% |
| Homeownership Rate | 70.0% | 65.5% |
| YoY Rent Change | 0% | +2.8% |
| Mortgage Denial Rate | 0.0% | 13.5% |
| Eviction Rate | 0.0% | 3.6% |
House Price Index (2000–2025)
FHFA All-Transactions HPI
Since 2019: +61.3%Since 2000: +138.6%
HUD Fair Market Rents (FY2026)
Section 8 voucher payment standards
Studio$774/mo
1 Bedroom$832/mo
2 Bedroom$1,077/mo
3 Bedroom$1,363/mo
4 Bedroom$1,566/mo
Zillow Market Data
Home Value (ZHVI)
$206K
1yr: +6.7%5yr: +36.4%
Rent (ZORI)
$912/mo
1yr: +6.7%
Note: ZORI reflects current listing prices and may differ from the Census ACS median rent shown above, which captures what renters actually pay including below-market and subsidized units.
Redfin Market Activity
Median Sale Price
$144K
Active Inventory
12
Days on Market
3
Sold Above List
0.0%
Price Drops
8.3%