Saint Joseph County, Michigan home prices
Typical home $219,664 · +4.0% in a year · property tax 1.1%
The typical home in Saint Joseph County is worth $219,664, 17% less than the Michigan typical home ($263,760). Values changed +4.0% in the past year and +21.2% over five years. Homeowners here pay a median 1.1% of their home's value in property tax each year ($2,413 on the typical home), versus 1.17% statewide.
Mortgage on the typical Saint Joseph County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $43,933 | $175,731 | $1,182 | $0 | $311 | $1,493 | $64,000 |
| 10% down | $21,966 | $197,698 | $1,330 | $82 | $311 | $1,723 | $73,900 |
| 5% down | $10,983 | $208,681 | $1,404 | $87 | $311 | $1,802 | $77,200 |
| 3.5% down (FHA) | $7,688 | $215,685 | $1,451 | $97 | $311 | $1,859 | $79,700 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.1% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Michigan · part of the Sturgis metro area.
Michigan counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Alger County | $219,882 | +7.8% | 0.94% |
| Presque Isle County | $219,214 | +9.5% | 0.95% |
| Ingham County | $223,411 | +2.5% | 1.83% |
| Jackson County | $224,556 | +2.6% | 1.26% |
| Missaukee County | $225,043 | +7.4% | 0.98% |
| Kalkaska County | $225,055 | +0.2% | 0.87% |
| Keweenaw County | $225,166 | +15.1% | 0.99% |
| Hillsdale County | $213,833 | +4.6% | 0.99% |
| Shiawassee County | $213,474 | +5.1% | 1.31% |
| Mecosta County | $229,044 | +7.5% | 0.99% |
Frequently asked questions
What is the average home price in Saint Joseph County, MI?
The typical home value in Saint Joseph County is $219,664 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Saint Joseph County?
About $64,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Saint Joseph County?
The median effective rate is 1.1% of home value a year (Census ACS 2024 5-year estimates).