The typical owner-occupied home in Saint Joe is worth about $67,100, 64% below the Arkansas median of $188,000 and 80% below the national median of $332,700. The median household earns $48,036 a year, so the median home costs 1.4 times the median income (3.1 times for Arkansas). 76% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Saint Joe at a glance
| Saint Joe | Arkansas | U.S. | |
|---|---|---|---|
| Median home value | $67,100 | $188,000 | $332,700 |
| Median property tax paid per year | – | $1,040 | $3,119 |
| Median household income | $48,036 | $60,773 | $80,734 |
| Homes lived in by their owners | 76% | 66% | 65% |
| Owner homes with a mortgage | 25% | 53% | 61% |
| Median monthly costs, owners with a mortgage | $663 | $1,345 | $1,963 |
| Those costs as a share of the owners' income | 16.7% | 18.5% | 21.0% |
| Median rent | – | $947 | $1,413 |
| Median year homes were built | 1991 | 1987 | 1980 |
| Vacant homes | 43.8% | 13.5% | 10.1% |
| Population | 136 | 3,049,391 | 334,922,499 |
What a typical home costs per month in Saint Joe
At this week's average 30-year rate of 7.11%, buying the median Saint Joe home of $67,100 with 20% down costs about $451 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $562, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $19,311 for the 20%-down payment. That payment is 11% of the median Saint Joe household income of $48,036; at that income and 20% down, the 28% guideline points to a home of about $167,000.
| Down payment | $13,420 |
|---|---|
| Loan amount | $53,680 |
| Principal and interest | $361 |
| Property taxes (1.10% a year) | $62 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $451 |
Change the numbers in the calculator
| Down payment | $2,348 |
|---|---|
| Loan amount | $65,885 |
| Principal and interest | $443 |
| Property taxes (1.10% a year) | $62 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $30 |
| Total per month | $562 |
Change the numbers in the calculator
Questions about home buying in Saint Joe
What is the median home value in Saint Joe?
About $67,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Saint Joe?
For the median home with 20% down at 7.11%, the payment is about $451 a month. Keeping that under 28% of gross income takes about $19,311 a year.
More about Saint Joe
- Mortgage Refinance in Saint Joe
- Debt Relief in Saint Joe
- Home Equity Loans in Saint Joe
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data