US5.com
  1. Home
  2. States
  3. Missouri
  4. ZIP 64501
  5. Housing & Real Estate
St. Joseph city, MO

ZIP 64501 — 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 64501

Median Home Value
$97,400
Median Rent
$617
Affordability Snapshot
$27,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$626/mo PITI).

18%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.2 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 64501 in St. Joseph city, MO, a household would need roughly $27,000 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 $626. That sits below the local median household income ($41,615), 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 24% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
47.4%-28% vs US avg
x
Vacancy Rate
24.0%+133% vs US avg
x
Broadband Access
78.4%-10% vs US avg
x
4+ Bedrooms
4.1%-72% vs US avg
x
Built Pre-1939
7.2%-44% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
34.4%-31% vs US avg
x
Mortgage-Free
48.6%+27% vs US avg
x
$97,400
Home Value
$617
Rent
1938
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached62.4%
  • 1-unit attached1.6%
  • 2-9 units18.0%
  • 10+ units17.5%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$97,400
Median rent$617
Owner-occupied47.4%
Vacant24.0%
Price-to-income2.3x
Est. income to buy$27,000