The typical owner-occupied home in Saint Joseph is worth about $59,100, 73% below the Louisiana median of $216,500 and 82% below the national median of $332,700. Owners pay a median $199 a year in property taxes, about 0.34% of their home's value, lower than the Louisiana rate of 0.55%. The median household earns $38,393 a year, so the median home costs 1.5 times the median income (3.6 times for Louisiana). 75% of occupied homes here are lived in by their owners, and 20% of those owners still have a mortgage.
Saint Joseph at a glance
| Saint Joseph | Louisiana | U.S. | |
|---|---|---|---|
| Median home value | $59,100 | $216,500 | $332,700 |
| Median property tax paid per year | $199 | $1,180 | $3,119 |
| Property tax as a share of value | 0.34% | 0.55% | 0.94% |
| Median household income | $38,393 | $60,756 | $80,734 |
| Homes lived in by their owners | 75% | 67% | 65% |
| Owner homes with a mortgage | 20% | 52% | 61% |
| Median monthly costs, owners with a mortgage | – | $1,604 | $1,963 |
| Those costs as a share of the owners' income | 38.1% | 20.4% | 21.0% |
| Median rent | $733 | $1,064 | $1,413 |
| Rent as a share of renters' income | 25.6% | 32.8% | 30.6% |
| Median year homes were built | 1965 | 1983 | 1980 |
| Vacant homes | 37.5% | 14.4% | 10.1% |
| Population | 603 | 4,611,961 | 334,922,499 |
What a typical home costs per month in Saint Joseph
At this week's average 30-year rate of 7.11%, buying the median Saint Joseph home of $59,100 with 20% down costs about $359 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $458, 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 $15,404 for the 20%-down payment. That payment is 11% of the median Saint Joseph household income of $38,393; at that income and 20% down, the 28% guideline points to a home of about $147,000.
The median rent here is $733 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $11,820 |
|---|---|
| Loan amount | $47,280 |
| Principal and interest | $318 |
| Property taxes (0.34% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $25 |
| PMI | $0 |
| Total per month | $359 |
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| Down payment | $2,068 |
|---|---|
| Loan amount | $58,030 |
| Principal and interest | $390 |
| Property taxes (0.34% a year) | $17 |
| Homeowners insurance (our estimate, 0.5% a year) | $25 |
| FHA mortgage insurance | $26 |
| Total per month | $458 |
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Questions about home buying in Saint Joseph
What is the median home value in Saint Joseph?
About $59,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint Joseph?
Homeowners pay a median $199 a year, which is about 0.34% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Saint Joseph?
For the median home with 20% down at 7.11%, the payment is about $359 a month. Keeping that under 28% of gross income takes about $15,404 a year.
More about Saint Joseph
- Mortgage Refinance in Saint Joseph
- Debt Relief in Saint Joseph
- Home Equity Loans in Saint Joseph
- 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