Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$211,906+4.9% YoY · prices are rising fast
Market right nowBalanced, leaning sellersMore homes for sale than last year, 25% have cut their price
Income needed to buy, per year$45,937About 0.7× the local median income ($66,412): affordable for a typical household
Days on market52 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+3.7%Zillow expects prices to rise slightly
The typical home in St. Joseph, MO-KS is worth $211,906, up 4.9% from a year ago. That is well above what local incomes have historically supported: fair value is about $191,410, so the area is 10.7% overvalued. It is a balanced market, leaning toward sellers: homes take about 52 days to sell, listings are up 6% from a year ago, 25% of listings have had a price cut. Zillow expects prices to rise about 3.7% over the next year. A household needs about $45,937 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 $66,412. Typical rent is $1,004 a month, or $1,174 for a house. In the latest IRS figures, 126 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
$211,906
Change in 1 year
+4.9%
Overvalued %
+10.7%
Show 7 more
Fair home value
$191,410
Change in 5 years
+28.2%
Zillow forecast, next 12 months
+3.7%
Home value to income
3.2×
Monthly mortgage payment (20% down)
$1,148
Income needed to afford it
$45,937
Property tax rate
0.78%
Rent and investing
Typical rent
$1,004
Typical rent for houses
$1,174
Price-to-rent ratio
17.6×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,101
Gross rental yield
5.68%
Cap rate (estimate)
3.69%
Market activity
Listings vs a year ago
+6.3%
Days on market
52
Listings with a price cut
24.8%
Show 3 more
Homes for sale
303
Pending sales per 100 listings
45
Asking price per sq ft
$143
People and jobs
Median household income
$66,412
Population change (1 year)
−0.0%
Unemployment rate
3.8%
Show 4 more
Population
119,170
Income adjusted for cost of living
$76,866
Net moves in (IRS)
+126
Cost of living (US = 100)
86.4
Schools, risk and environment
School rating (1 to 10)
5.4
FEMA hazard risk score (0 to 100)
57.7
Unhealthy air days a year
2
Show 4 more
Flood risk score
54.6
Wildfire risk score
55.3
Walkability (1 to 20)
7.6
Road, rail and air noise
53 dB
Questions people ask
Is St. Joseph, MO-KS overvalued?
Home prices in St. Joseph, MO-KS are well above what local incomes have historically supported: fair value is about $191,410, so the area is 10.7% overvalued.
Is St. Joseph, MO-KS a buyer's or seller's market?
St. Joseph, MO-KS is a balanced market, leaning toward sellers: homes take about 52 days to sell, listings are up 6% from a year ago, 25% of listings have had a price cut.
Are home prices going down in St. Joseph, MO-KS?
Home values in St. Joseph, MO-KS are up 4.9% over the last year. Zillow's forecast for the next 12 months is +3.7%.
How much do you need to earn to buy a home in St. Joseph, MO-KS?
A household needs about $45,937 a year to afford the typical home in St. Joseph, MO-KS at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,412.