Mortgage payment estimates, closing cost breakdowns, and homebuying data for St. Joseph, Missouri.
Pre-filled with St. Joseph median home price and Missouri tax/insurance rates. Adjust for your property.
Estimated closing costs based on Missouri rates and fees applied to St. Joseph prices.
The median home price in St. Joseph is $145,000, 38% below the Missouri state median of $235,000. With a population of 72,473, St. Joseph is a smaller market where home prices tend to be more accessible than in many parts of Missouri.
Property taxes in Missouri average 0.97% annually. This moderate property tax rate means a $145,000 home in St. Joseph would carry roughly $117/month in property taxes. Homeowners insurance in Missouri runs approximately $2,200 per year. This is within the normal range nationally.
Average rent in St. Joseph is $780/month. The price-to-rent ratio in St. Joseph is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
St. Joseph offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Missouri's MHDC First Place Loan program.