The story of this market
The typical home in ZIP 64506 sells for about $285,000, or $155 per square foot.
Prices are up +4.5% 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 $896 a month.
ZIP 64506 — St. Joseph
The 64506 housing market remains stable with steady demand for single-family homes, reflected in a median price of $285,000. Inventory levels are sufficient to support buyer activity, and the market is characterized by consistent, moderate growth driven by local employment stability.
This ZIP is ideal for family buyers and established professionals seeking stable, mid-range housing in a quiet suburban environment with convenient access to city amenities.
Median prices moved up 4.5% year over year.
Homes spend a median of 42 days on market with 3.2 months of supply — a fast-moving market.
12% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.3% · poverty 13.0% — 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 6.1%/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 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 64506, 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 the 64506 area are generally lower than the St. Joseph city average, with property crime being the primary concern. The area is considered one of the safer residential sectors within the city limits.
Schools serving this ZIP are part of the St. Joseph School District, which maintains a mix of public elementary and secondary options with moderate performance ratings.
The area faces standard Midwestern climate risks, including severe thunderstorms and occasional high winds; flood risk is minimal for most residential parcels in this ZIP.
Economic momentum is driven by the broader St. Joseph employment base, including healthcare, manufacturing, and education sectors, with steady residential infill development.
Property taxes are assessed by Buchanan County based on local millage rates; there are no special MUD or PID districts commonly found in this established residential ZIP.
Residents primarily commute via I-29 and US-36, providing efficient access to the St. Joseph employment core and a manageable drive to the Kansas City metropolitan area.
The area features proximity to local parks, community greenbelts, and neighborhood shopping centers, with easy access to the Missouri River recreational corridors.
The rental market is stable with consistent demand for single-family homes and small multi-family units, supported by a mix of long-term residents and local workforce.
The economy is anchored by major employers in healthcare (Mosaic Life Care), manufacturing, and the St. Joseph School District, providing a stable employment base.
Transportation is primarily auto-dependent, with major highway corridors providing connectivity to the broader region.
Development is focused on residential infill and minor commercial upgrades along the primary arterial roads.
Parcels are served by the St. Joseph School District and standard municipal utility services.
Property insurance premiums are consistent with regional averages for Missouri, reflecting moderate risk profiles.
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.
Extensive greenbelt and trail system serving the city.
Major regional shopping hub located near the ZIP boundary.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.