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St. Joseph city, MO

ZIP 64507 — 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 64507

Median Home Value
$134,000
Median Rent
$677
Affordability Snapshot
$37,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$861/mo PITI).

13%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 64507 in St. Joseph city, MO, a household would need roughly $37,000 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 $861. That sits below the local median household income ($63,014), 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 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
68.1%+4% vs US avg
x
Vacancy Rate
10.8%+5% vs US avg
x
Broadband Access
85.9%-1% vs US avg
x
4+ Bedrooms
5.7%-62% vs US avg
x
Built Pre-1939
11.3%-12% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
28.3%-43% vs US avg
x
Mortgage-Free
33.7%-12% vs US avg
x
$134,000
Home Value
$677
Rent
1957
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached1.4%
  • 2-9 units11.1%
  • 10+ units5.5%
  • Mobile home & other2.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$134,000
Median rent$677
Owner-occupied68.1%
Vacant10.8%
Price-to-income2.1x
Est. income to buy$37,000