St. Joseph, MO metro area
The St. Joseph metro area, officially St. Joseph, MO-KS, is home to 118,392 people, down 1.6% since 2021. In 2025 its typical household earned $68,663, below the U.S. median of $84,780, and the median rent was $933 a month.
Compare St. Joseph with another metro ↗ See the national rent report ↗
What it takes to live here
Rent and home prices measured against what local households earn.
To keep rent at the common guideline of 30% of income, a household would need about $37,300 a year to afford the median rent in the St. Joseph area (U.S.: $62,300). In practice, the typical renter here spends 32.2% of household income on rent, the 130th highest share of 393 metro areas, and 56% of renter households pay 30% or more (U.S.: 52%).
For buyers, the median home value of $205,900 is 3.0 times the median household income, compared with 4.4 times nationally, which is relatively affordable by national standards.
How it has changed
Change since 2021 compared with the whole United States.
Since 2021, rent in the St. Joseph area has risen +18.1% while household income changed +25.5%. Incomes have kept ahead of rents, so renting has become slightly more affordable.
| 2021 | 2024 | 2025 | Change since 2021 | |
|---|---|---|---|---|
| Median household income | $54,702 | $66,180 | $68,663 | +25.5% |
| Median rent | $790 | $882 | $933 | +18.1% |
| Median home value | $152,200 | $191,600 | $205,900 | +35.3% |
| Population | 120,274 | 119,186 | 118,392 | −1.6% |
Who lives and works here
Education, jobs and commuting compared with the national picture.
| St. Joseph | United States | |
|---|---|---|
| Median age | 40.6 | 39.5 |
| Adults 25+ with a bachelor’s degree or higher | 24.2% | 37.4% |
| Unemployment rate | 1.6% | 4.9% |
| Poverty rate | 12.5% | 11.8% |
| Workers who work from home | — | 12.9% |
| Average one-way commute | 20.2 min | 27.4 min |
| Households that rent | 29% | 35% |
Where St. Joseph ranks
Position among all 393 U.S. metropolitan areas with 2025 1-year data.
| Measure | Rank among 393 U.S. metro areas |
|---|---|
| Median household income | 281st highest |
| Median rent | 365th highest |
| Median home value | 343rd highest |
| Rent as share of income | 130th highest |
| Population | 340th largest |
| Population growth since 2021 | 335th fastest |
Similar-sized metro areas
The metros closest in population, side by side.
| Metro area | Income | Rent | Home value | Rent / income |
|---|---|---|---|---|
| St. Joseph, MO | $68,663 | $933 | $205,900 | 32.2% |
| Brunswick, GA | $64,450 | $1,352 | $277,700 | 35.2% |
| Sheboygan, WI | $81,065 | $1,143 | $285,700 | 23.9% |
| Altoona, PA | $70,074 | $792 | $178,100 | 27.3% |
| Lewiston, ME | $72,366 | $1,206 | $321,900 | 36.1% |
| Farmington, NM | $62,487 | $937 | $233,000 | 26.2% |
| Lawrence, KS | $74,520 | $1,243 | $348,500 | 32.8% |
St. Joseph at a glance
What salary do you need to live in St. Joseph?+
To pay the 2025 median rent of $933 a month while spending no more than 30% of income on rent, a household needs about $37,300 a year. The median household income in the St. Joseph metro area is $68,663.
How much is rent in St. Joseph?+
The median gross rent (rent plus utilities) in the St. Joseph metro area was $933 a month in 2025, according to the Census Bureau, compared with $1,557 nationally. It has changed +18.1% since 2021.
Is St. Joseph affordable?+
Renters in the St. Joseph area spend a median 32.2% of income on rent (U.S. 30.9%), and the median home costs 3.0 times the median income (U.S. 4.4). It is more affordable on one measure and less on the other.
What is the median household income in St. Joseph?+
$68,663 in 2025, +25.5% since 2021. That ranks 281st of 393 U.S. metro areas.
Source: U.S. Census Bureau, American Community Survey 2025 1-year estimates (released September 2026), with 2024 and 2021 for trends. Figures are survey estimates with margins of error; small differences between metros may not be meaningful. Metro areas use the official Metropolitan Statistical Area boundaries. Compiled and analyzed by Metro Research. Methodology.