St. Joseph, MO home prices
Typical home $211,906 · +4.9% in a year · income needed $59,200
The St. Joseph, MO metro area ranks 598 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +4.9% in a year and +28.2% over five years. With 20% down at 7.11%, the typical home costs about $1,382 a month including 0.77% property tax (Buchanan County rate).
Mortgage on the typical St. Joseph home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $42,381 | $169,524 | $1,140 | $0 | $242 | $1,382 | $59,200 |
| 10% down | $21,191 | $190,715 | $1,283 | $79 | $242 | $1,604 | $68,800 |
| 5% down | $10,595 | $201,310 | $1,354 | $84 | $242 | $1,680 | $72,000 |
| 3.5% down (FHA) | $7,417 | $208,067 | $1,400 | $94 | $242 | $1,735 | $74,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.77% 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.
Counties in the St. Joseph area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Buchanan County, MO | $190,751 | +4.1% | 0.77% |
| Andrew County, MO | $289,942 | +6.2% | 0.73% |
| DeKalb County, MO | $236,909 | +5.7% | 0.76% |
| Doniphan County, KS | $171,952 | +10.5% | 1.07% |
What can you afford in Missouri on your salary? · Missouri home prices · Salaries in Missouri
Frequently asked questions
How much is a house in St. Joseph?
The typical home in the St. Joseph, MO metro area is worth $211,906 (Zillow, September 2026).
What salary do you need to buy a house in St. Joseph?
About $59,200 a year for the typical home with 20% down at 7.11%.