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St. Joseph city, MO

ZIP 64504 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64504

Median Home Value
$115,100
Median Rent
$605
Affordability Snapshot
$32,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$739/mo PITI).

13%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 64504 in St. Joseph city, MO, a household would need roughly $32,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $739. That sits below the local median household income ($55,300), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
70.6%+8% vs US avg
x
Vacancy Rate
10.6%+3% vs US avg
x
Broadband Access
80.3%-8% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
13.5%+6% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
48.3%+26% vs US avg
x
$115,100
Home Value
$605
Rent
1956
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached84.7%
  • 1-unit attached1.2%
  • 2-9 units5.2%
  • 10+ units2.1%
  • Mobile home & other6.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$115,100
Median rent$605
Owner-occupied70.6%
Vacant10.6%
Price-to-income2.1x
Est. income to buy$32,000