The story of this market
The typical home in ZIP 64504 sells for about $115,100, or $85 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 62 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $958 a month.
ZIP 64504 — St. Joseph
The housing market in 64504 remains stable with modest price appreciation and consistent inventory levels. Market activity is driven by demand for affordable single-family homes, though limited new construction keeps supply tight. Figures for specific metrics like price cuts and sale-to-list ratios are based on regional trends as ZIP-specific data is not explicitly published in current reports.
This ZIP is well-suited for budget-conscious families and first-time homebuyers looking for affordable entry-level housing in a established community.
Median prices moved up 3.2% year over year.
Homes spend a median of 62 days on market with 3.4 months of supply — a fast-moving market.
12% 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 5.0% · poverty 21.6% — a mixed stability 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 3.8%/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 3.3%/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 64504, 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 in this area.
Schools serving the 64504 area 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, with flood risks primarily concentrated near the Missouri River.
Economic momentum is driven by local manufacturing, healthcare, and education sectors in St. Joseph, with ongoing efforts to revitalize the city's historic core.
Property taxes are assessed by Buchanan County based on the property's market value, with rates determined by local school district and municipal levies.
Residents primarily commute by car, with most travel directed toward downtown St. Joseph or via I-229 and I-29 for regional access.
The area features access to local parks and green spaces, with proximity to the Missouri River waterfront and various community sports facilities.
The rental market is characterized by steady demand for affordable housing, with a significant portion of the inventory consisting of older single-family homes.
The local economy is anchored by healthcare, manufacturing, and public sector employment, with major employers including regional medical centers and school districts.
The area is served by a network of local roads and is connected to the broader region via I-29 and I-229.
Development is focused on infill projects and the rehabilitation of existing housing stock within the city limits.
The Buchanan County Assessor manages property valuations, with assessments conducted periodically to reflect market changes.
Parcels are subject to St. Joseph School District taxes and various municipal utility districts.
Property insurance premiums are influenced by regional weather risks, including wind and hail exposure common in Northwest Missouri.
Missouri is a non-judicial foreclosure state, allowing for relatively efficient processing of defaulted mortgages.
Missouri requires sellers to provide a disclosure statement regarding the condition of the property, though it is limited in scope.
Data retrieved from data.census.gov ZCTA 64504 profile.
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 system of parks and boulevards serving the city.
Provides recreational access and scenic views.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.