St. Joseph, MO-KS · Missouri
Buchanan County
83,855 residents57 permits TTM$59,423 median HHI10 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$156,600
ACS 5-Year
Cap rate proxy
6.8%
FMR × 0.65 ÷ Home Value
Rent-to-income
18.0%
HUD FMR ÷ ACS HHI
Net migration
+1.05%
IRS SOI
Permits (TTM)
57
Census BPS
Climate risk
74.4
FEMA NRI (0–100)
ZIP code breakdown10 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Buy Box score ↓ | Section 8 gap |
|---|---|---|---|---|---|
| 64501 | — | — | — | 0.9 | — |
| 64504 | — | — | — | 0.9 | — |
| 64507 | — | — | — | 0.8 | — |
| 64503 | — | — | — | 0.8 | — |
| 64506 | — | — | — | 0.5 | — |
| 64401 | — | — | — | 0.4 | — |
| 64448 | — | — | — | 0.3 | — |
| 64443 | — | — | — | 0.2 | — |
| 64440 | $156,600 | $1,030 | 7.9% | — | 15.9% |
| 64484 | $156,600 | $1,040 | 8.0% | — | 17.0% |
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Demographics
Owner-occupied
64.9%
Census ACS
Vacancy rate
13.1%
Census ACS
Bachelor's degree +
23.3%
Census ACS
Rent burdened
45.9%
Census ACS (>30% income)
Median age
38.9
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026