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Area data

Saint joseph, MO — ZIP 64503

Population: 11,954 (Census ACS)

The median home value in ZIP 64503 (Saint joseph, MO) is $178,863 — up 6.3% over the past year. Homes sell for a median $181,000 after a median 16 days on market. Typical rent runs $1,073/month. 3 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Low, with strongwind, coldwave, drought the top-rated hazards. Cost of living is 10.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$178,863

Median home value

+6.3%

1-year change

16

Median days on market

Relatively Low

Hazard risk (county)

Home values & appreciation

Median home value
$178,863
1-year appreciation
+6.3%
3-year appreciation
+20.2%
5-year appreciation
+33.4%
10-year appreciation
+84.3%
All-time peak (2026-05)
$180,653
House Price Index (state)
403.5 (+4.3% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$181,000
Median list price
$184,900
Median price per sqft
$123
1-year sale-price change
-1.4%
Median days on market
16 days
Homes sold (recent period)
30
For-sale inventory
52
Sale-to-list ratio
97.2%
Active listings
36
1-year forecast
+1.8%
New listings (monthly)
22

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,073/mo
Studio fair-market rent
$660/mo
1BR fair-market rent
$825/mo
2BR fair-market rent
$1,028/mo
3BR fair-market rent
$1,337/mo
4BR fair-market rent
$1,543/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Low)
89.5 (100 = US avg)
Electricity rate (state-level)
13.5¢/kWh
Natural gas rate (state-level)
$14.90/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
3
Elementary schools
2
Middle schools
1
High schools
0
Schools include
PICKETT ELEM., SKAITH ELEM., SPRING GARDEN MIDDLE

Source: NCES school directory, 2022-23 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Low
Top hazards (county)
strongWind, coldWave, drought, hail, heatWave
Notable hazard ratings (county)
coldWave: Relatively Moderate · drought: Relatively Moderate · hail: Relatively Moderate · heatWave: Relatively Moderate · iceStorm: Relatively Moderate · inlandFlooding: Relatively Low
FEMA flood zone
C
Flood risk level
Minimal
Wildfire risk to homes (county)
Higher than 45% of US counties
Buildings in wildfire direct-exposure zone
32.7%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Annual precipitation
35.8 in
Annual snowfall
16.9 in
USDA plant hardiness zone
6a (extreme annual low -10 to -5°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
48
Days with Good air quality
196
Days with Moderate air quality
165
Highest AQI recorded (year)
129

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
6.0 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
3,517
Jobs reachable by transit (45 min)
3,681

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
1
Nearest national park
Harry S Truman National Historic Site (59 mi)
Airports within 30 mi
24
Nearest airport
Rosecrans Memorial Airport (STJ) (4 mi)
Nearest major airport
Rosecrans Memorial Airport (STJ) (4 mi)
Hospitals nearby (~15 mi)
2
Hospitals include
AMBERWELL ATCHISON ASSOCIATION, MOSAIC LIFE CARE AT ST JOSEPH
Avg hospital rating (CMS)
4.0 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (4.2 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-244 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,966
Housing built before 1970
58.3%
Housing built 2000 or later
10.6%
Median annual property tax
$1,022
Mean commute to work
16 min
Households with broadband internet
66.0%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
39,885
Average weekly wage
$1,112
Top industries (by employment)
Health Care, Accommodation & Food, Construction
Annual residential building permits (county)
32

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 64503State medianUS median
Median home value$178,863$244,663$289,727
Median sale price$181,000$249,900$325,000
Median days on market16 days40 days51 days
Typical rent$1,073/mo$1,417/mo$1,808/mo
Median annual property tax$1,022$1,136$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 64503?
$178,863.
What is the median sale price in ZIP 64503?
$181,000.
How long do homes take to sell in ZIP 64503?
Median days on market: 16 days.
What is typical rent in ZIP 64503?
Typical rent: $1,073/month.
What is the natural-hazard risk in ZIP 64503?
Overall risk: Relatively Low (FEMA NRI, county-level). Top hazards: strongWind, coldWave, drought, hail, heatWave.
Is ZIP 64503 in a flood zone?
Minimal (FEMA NFIP). FEMA flood zone C.
What is the wildfire risk in ZIP 64503?
Risk to homes is higher than 45% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 64503?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 64503?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 64503?
3 schools (2 elementary, 1 middle) (NCES, 2022-23).
Is ZIP 64503 walkable?
Walkability index: 6.0/20 (EPA Smart Location Database).
What is the air quality in ZIP 64503?
Good. Median AQI: 48. (EPA AQI).
What is the cost of living in ZIP 64503?
Regional Price Parity: 89.5 (100 = US average) (Low) (BEA RPP, metro/state-level).

Nearby ZIP codes

Selling a home in Saint joseph, MO?

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents