The story of this market
The typical home in ZIP 64401 sells for about $135,000, or $105 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,031 a month.
ZIP 64401 — Agency
The housing market in 64401 remains stable with modest price appreciation and balanced inventory levels. Market activity is driven by local demand for affordable housing, though limited new construction keeps supply tight. Figures for specific metrics like price-cut percentages are based on current local market observations.
This ZIP is well-suited for budget-conscious families, first-time homebuyers, and local workers seeking affordability and proximity to the St. Joseph employment core.
Median prices moved up 2.4% year over year.
Homes spend a median of 42 days on market with 4.1 months of supply — a fast-moving market.
18% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 1.6% · poverty 1.5% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 64401, Buchanan County MO
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in this area are generally consistent with regional averages for similar mid-sized Midwestern communities, with property crime being the primary reported concern.
Schools serving this ZIP are part of the St. Joseph School District, which maintains a mix of public elementary, middle, and high schools with varying performance ratings.
The area is subject to standard Midwestern weather risks, including severe thunderstorms and occasional tornado activity; flood risk is localized to specific low-lying areas near water bodies.
Economic momentum is driven by local healthcare, education, and manufacturing sectors, with steady but modest infrastructure investment in the surrounding St. Joseph area.
Property taxes are assessed by the county based on market value, with rates determined by the aggregate of school, city, and county levies; no state-level property tax exists.
Residents primarily commute by car, with most local employment centers in St. Joseph accessible within a 10-15 minute drive via major arterial roads.
The area features several local parks and proximity to the Missouri River trail systems, with basic retail and dining options concentrated along major commercial corridors.
The rental market is characterized by stable demand from students and local workers, with moderate vacancy pressure and limited new multi-family construction.
The economy is anchored by healthcare providers, the St. Joseph School District, and regional manufacturing and logistics firms.
The area is served by a network of state highways and local roads, with limited public transit options primarily provided by the city bus system.
Development is currently focused on urban infill and the rehabilitation of older residential housing stock.
The Buchanan County Assessor maintains property valuations based on annual market analysis and periodic physical inspections.
Parcels are subject to school district taxes, county general funds, and specific municipal service districts for fire and emergency services.
Property insurance premiums are influenced by regional exposure to severe weather, including wind and hail, leading to moderate cost increases.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
A historic park featuring gardens and community event spaces.
Provides access to fishing, boating, and riverfront trails.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.