Saint Joseph, MO housing market
Typical home value
$181K
▲ 3.8% 1 yr
Typical rent
$990/mo
▲ 3.1% 1 yr
Gross rent yield
6.6%
U.S. 6.3%
5-year home value change
+27%
U.S. +20%
Key takeaways
- 1The typical home in Saint Joseph is worth $180,960, up 3.8% over the past year and up 27% over five years.
- 2Typical rent is $990 a month (+3.1% YoY), a gross rent yield of 6.6% (above the St. Joseph, MO metro's 5.7%).
- 3With 20% down at 7.32%, principal and interest on the typical home is about $994/mo, $4 more than typical rent.
- 4Zillow forecasts the St. Joseph, MO metro's home values to change +3.7% over the next 12 months.
Market temperature (St. Joseph, MO metro)
Neutral market
Buyer'sNeutralSeller's
Zillow Market Heat Index: 45/100, #208 hottest of 546 metros. Below 44 favors buyers; above 55 favors sellers.
Home values and rent
Source: Zillow Research (ZHVI, ZORI and market activity data).
How Saint Joseph compares
| Measure | Saint Joseph | St. Joseph, MO metro | United States |
|---|---|---|---|
| Typical home value | $180,960 | $211,906 | $366,157 |
| Home value, 1-yr change | +3.8% | +4.9% | +1.2% |
| Typical rent | $990 | $1,004 | $1,932 |
| Rent, 1-yr change | +3.1% | +3.2% | +2.7% |
| Gross rent yield | 6.6% | 5.7% | 6.3% |
| Price-to-rent ratio | 15.2 | 17.6 | 15.8 |
| Mortgage P&I, typical home | $994 | $1,165 | $2,012 |
Run the numbers
Rental property calculator
Cash flow on a typical Saint Joseph rental, pre-filled.
Rent vs buy in Saint Joseph
Which costs less over the years you'll stay.
Mortgage calculator
Monthly payment on a $181K home.
City figures are Zillow's typical home value (ZHVI) and observed rent (ZORI). Gross yield is before expenses. Data refreshed Oct 26, 2026.