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St. Joseph city, MO

ZIP 64506 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 64506

Median Home Value
$220,500
Median Rent
$747
Affordability Snapshot
$61,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,416/mo PITI).

15%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.6 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 64506 in St. Joseph city, MO, a household would need roughly $61,000 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 $1,416. That is roughly in line with the local median household income ($61,713). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.8%-10% vs US avg
x
Vacancy Rate
8.7%-16% vs US avg
x
Broadband Access
83.0%-5% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
23.6%-52% vs US avg
x
Mortgage-Free
44.8%+17% vs US avg
x
$220,500
Home Value
$747
Rent
1976
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached61.3%
  • 1-unit attached5.2%
  • 2-9 units19.3%
  • 10+ units13.0%
  • Mobile home & other1.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$220,500
Median rent$747
Owner-occupied58.8%
Vacant8.7%
Price-to-income3.6x
Est. income to buy$61,000