St. Joseph, MO-KS · Missouri
DeKalb County
ZIP 64497
11,176 residents3 permits TTM$69,093 median HHI6 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$167,500
ACS 5-Year
Cap rate proxy
5.7%
FMR × 0.65 ÷ Home Value
Rent-to-income
13.8%
HUD FMR ÷ ACS HHI
Net migration
+1.42%
IRS SOI
Permits (TTM)
3
Census BPS
Climate risk
16.0
FEMA NRI (0–100)
ZIP 64497
Median home value
—
Gross yield
—
Cap rate
5.7%
Rent gap
—
Affordability
P/I: 4.0R/I: —
Section 8 detail
SAFMR: —Rent: —Gap: —
ZIP code breakdown6 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 64422 | — | — | — | 5.7% | — |
| 64429 | $243,357 | $1,220 | 6.0% | 3.9% | 34.8% |
| 64474 | $167,500county est. | $1,030 | 7.4% | 5.7% | 22.7% |
| 64469 | — | — | — | 4.6% | — |
| 64430 | — | — | — | 5.7% | — |
Ranked by composite score
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Demographics
Owner-occupied
72.0%
Census ACS
Vacancy rate
11.7%
Census ACS
Bachelor's degree +
14.8%
Census ACS
Rent burdened
24.7%
Census ACS (>30% income)
Median age
42.3
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