The story of this market
The typical home in ZIP 64503 sells for about $164,950, or $139 per square foot.
Prices are up +6.4% from a year ago, so sellers still have some momentum. Homes take about 27 days to sell, which is fast. HUD's fair market rent for a two-bedroom is $886 a month.
ZIP 64503 — St. Joseph
The 64503 housing market remains a seller-favored environment with limited inventory and steady demand. Prices have seen modest year-over-year growth, supported by the area's relative affordability. While some listings are seeing price cuts, the overall market remains competitive for well-priced homes.
This ZIP is well-suited for budget-conscious family buyers and first-time homeowners seeking affordability. It also attracts renters looking for stable, lower-cost housing options within reach of local employment hubs.
Median prices moved up 6.4% year over year.
Homes spend a median of 27 days on market with 3.5 months of supply — a fast-moving market.
21% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 17.7% — 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 6.3%/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 3.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 64503, 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 St. Joseph are generally higher than the national average, with property crime being the most frequently reported issue. Local efforts focus on community policing and neighborhood revitalization to address these trends.
Schools serving the area are part of the St. Joseph School District, which provides a range of public education options; performance ratings vary by individual school facility.
The area faces moderate risks from severe weather, including thunderstorms and occasional high winds. Flood risk is localized to specific low-lying areas near the Missouri River and local tributaries.
Economic momentum is driven by healthcare, manufacturing, and education sectors, with major employers like Mosaic Life Care and local school districts anchoring the regional economy.
Property taxes are assessed by Buchanan County based on local millage rates that fund schools, city services, and county operations. Exemptions are available for seniors and disabled veterans under state law.
Residents primarily rely on personal vehicles for commuting, with easy access to I-229 and US-36 providing connections to the broader St. Joseph employment core.
The area features access to local parks and green spaces, with proximity to the Missouri River waterfront and various community sports facilities within a short drive.
The rental market is characterized by moderate demand and limited inventory, with rents showing a stable trajectory. Vacancy pressure remains low due to the affordability of the area compared to larger metros.
The economy is anchored by healthcare, education, and manufacturing, with Mosaic Life Care being a primary regional employer.
Transportation is dominated by highway access via I-229 and US-36, with limited public transit options available.
Development is focused on infill projects and the rehabilitation of historic residential properties.
The Buchanan County Assessor manages property valuations, with assessments updated periodically to reflect market changes.
Parcels are subject to school district taxes and municipal levies for city services.
Property insurance premiums are influenced by regional weather patterns, including storm and wind risk.
Missouri is a non-judicial foreclosure state, allowing for relatively efficient processing of defaults.
Missouri requires sellers to provide a disclosure statement regarding the condition of the property.
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 parkway system offering trails and green space.
Provides recreational access and scenic views.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.