The typical owner-occupied home in Saint John is worth about $208,300, 63% below the Washington median of $564,600 and 37% below the national median of $332,700. Owners pay a median $1,729 a year in property taxes, about 0.83% of their home's value, close to the Washington rate of 0.81%. The median household earns $46,250 a year, so the median home costs 4.5 times the median income (5.8 times for Washington). 77% of occupied homes here are lived in by their owners, and 54% of those owners still have a mortgage.
Saint John at a glance
| Saint John | Washington | U.S. | |
|---|---|---|---|
| Median home value | $208,300 | $564,600 | $332,700 |
| Median property tax paid per year | $1,729 | $4,556 | $3,119 |
| Property tax as a share of value | 0.83% | 0.81% | 0.94% |
| Median household income | $46,250 | $98,141 | $80,734 |
| Homes lived in by their owners | 77% | 64% | 65% |
| Owner homes with a mortgage | 54% | 66% | 61% |
| Median monthly costs, owners with a mortgage | $1,260 | $2,445 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 22.2% | 21.0% |
| Median rent | $888 | $1,760 | $1,413 |
| Rent as a share of renters' income | 39.2% | 30.0% | 30.6% |
| Median year homes were built | 1959 | 1985 | 1980 |
| Vacant homes | 8.3% | 7.3% | 10.1% |
| Population | 607 | 7,816,116 | 334,922,499 |
What a typical home costs per month in Saint John
At this week's average 30-year rate of 7.11%, buying the median Saint John home of $208,300 with 20% down costs about $1,352 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,699, 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 $57,937 for the 20%-down payment. That payment is 35% of the median Saint John household income of $46,250; at that income and 20% down, the 28% guideline points to a home of about $166,000.
The median rent here is $888 a month, so owning the median home costs about $464 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $41,660 |
|---|---|
| Loan amount | $166,640 |
| Principal and interest | $1,121 |
| Property taxes (0.83% a year) | $144 |
| Homeowners insurance (our estimate, 0.5% a year) | $87 |
| PMI | $0 |
| Total per month | $1,352 |
Change the numbers in the calculator
| Down payment | $7,290 |
|---|---|
| Loan amount | $204,527 |
| Principal and interest | $1,376 |
| Property taxes (0.83% a year) | $144 |
| Homeowners insurance (our estimate, 0.5% a year) | $87 |
| FHA mortgage insurance | $92 |
| Total per month | $1,699 |
Change the numbers in the calculator
Questions about home buying in Saint John
What is the median home value in Saint John?
About $208,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Saint John?
Homeowners pay a median $1,729 a year, which is about 0.83% 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 John?
For the median home with 20% down at 7.11%, the payment is about $1,352 a month. Keeping that under 28% of gross income takes about $57,937 a year.
More about Saint John
- Mortgage Refinance in Saint John
- Debt Relief in Saint John
- Home Equity Loans in Saint John
- 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