Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$219,664+4.0% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 19% have cut their price
Income needed to buy, per year$47,619About 0.7× the local median income ($65,096): affordable for a typical household
Days on market66 daysSlower than a year ago: buyers have time to negotiate
The typical home in Saint Joseph County, MI is worth $219,664, up 4.0% from a year ago. That is well above what local incomes have historically supported: fair value is about $189,901, so the area is 15.7% overvalued. It is a balanced market, leaning toward buyers: homes take about 66 days to sell, listings are up 29% from a year ago, 19% of listings have had a price cut. A household needs about $47,619 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,096. Typical rent is $1,175 a month. In the latest IRS figures, 33 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$219,664
Change in 1 year
+4.0%
Overvalued %
+15.7%
Show 6 more
Fair home value
$189,901
Change in 5 years
+21.2%
Home value to income
3.4×
Monthly mortgage payment (20% down)
$1,190
Income needed to afford it
$47,619
Property tax rate
1.10%
Rent and investing
Typical rent
$1,175
Price-to-rent ratio
15.6×
HUD Fair Market Rent, 2 bedrooms
$1,046
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Gross rental yield
6.42%
Cap rate (estimate)
4.17%
Market activity
Listings vs a year ago
+29.3%
Days on market
66
Listings with a price cut
18.8%
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Homes for sale
172
Pending sales per 100 listings
41
Asking price per sq ft
$160
People and jobs
Median household income
$65,096
Population change (1 year)
−0.1%
Unemployment rate
5.9%
Show 4 more
Population
60,968
Income adjusted for cost of living
$73,142
Net moves in (IRS)
+33
Cost of living (US = 100)
89.0
Schools, risk and environment
School rating (1 to 10)
4.4
FEMA hazard risk score (0 to 100)
58.6
Flood risk score
68.1
Show 3 more
Wildfire risk score
17.0
Walkability (1 to 20)
5.2
Road, rail and air noise
53 dB
Questions people ask
Is Saint Joseph County, MI overvalued?
Home prices in Saint Joseph County, MI are well above what local incomes have historically supported: fair value is about $189,901, so the area is 15.7% overvalued.
Is Saint Joseph County, MI a buyer's or seller's market?
Saint Joseph County, MI is a balanced market, leaning toward buyers: homes take about 66 days to sell, listings are up 29% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Saint Joseph County, MI?
Home values in Saint Joseph County, MI are up 4.0% over the last year.
How much do you need to earn to buy a home in Saint Joseph County, MI?
A household needs about $47,619 a year to afford the typical home in Saint Joseph County, MI at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,096.