City Report · MO

Saint Joseph

·71st most expensive in Missouri·One of the most affordable rental markets in the US
Median rent (all units)
$990/mo
Year-over-Year
+2.8%
Month-over-Month
+0.7%
vs US Median
-$942
Reported rents
Rising (Monthly)
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Most AffordableMost Expensive
Saint Joseph · $990
More affordable than 98% of US cities · National median $1,932/mo
Rent Reality Score
60/100
Good value
OverheatedFairGreat value

Rents are 5% below what Saint Joseph's 10-year trend predicts — a better deal than its own history suggests.

Actual rent
$990/mo
Expected by trend
$1,040/mo
The Rent Reality Score compares today's median rent to where Saint Joseph's own long-run trajectory projects it should be. See the full rankings →
Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in Saint Joseph is at its highest level since Zillow's records here began in May 2022.

Past year vs. the rest of Missouri

Rent in Saint Joseph changed +2.8% over the year to September 2026. Across the 60 Missouri cities Zillow tracks, the typical change was +4.4%.

Recent direction

Rent has risen 2 months in a row, and rose in 8 of the last 12 months.

From Zillow's monthly rent index (ZORI) for Saint Joseph.

Annual cost
$11,880/yr
At $990/mo median
Rent Market Meter
Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are climbing (2.8% YoY), so leverage tilts toward landlords. Act sooner rather than later.
Based on rent-price momentum (+2.8% YoY, +0.7% MoM), not inventory.
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2023 vs 2026

How Saint Joseph, MO has changed in 5 years

Rent
$828 → $990
up 19.6%

Since 2023, the typical rent in Saint Joseph, MO has climbed from $828 to $990, a 19.6% change over five years. Reading these numbers side by side helps frame whether current listings in Saint Joseph, MO look reasonable against where the market sat half a decade ago.

Community

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View Saint Joseph rent history (2015–2026) →
Salary vs rent

Can you afford rent in Saint Joseph on your salary?

At $990/mo, how Saint Joseph rent compares to typical pay (30% rule).

Local insights

Tips for renters in Saint Joseph

About renting in Saint Joseph, MO

Last updated: October 17, 2026

The median rent in Saint Joseph is $990/mo as of October 2026.

At 17% of estimated US median household income ($72,000/yr), Saint Joseph ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in Saint Joseph?

To keep rent at or below 30% of gross income, you would need to earn at least $40,000/year (about $19/hour full-time) to afford the median rent of $990/mo in Saint Joseph.

Is rent going up or down in Saint Joseph?

Rent in Saint Joseph has risen 2.8% over the past year as of September 2026. That is the highest level since Zillow's records here began in May 2022.

How does Saint Joseph rent compare to other cities in Missouri?

Saint Joseph is one of the more affordable among Missouri cities for rent, ranking #71 of 76 tracked cities at $990/mo. Over the year to September 2026, rent in Saint Joseph changed +2.8%, against a typical +4.4% across the 60 Missouri cities Zillow tracks.

Which nearby cities are cheaper to rent in than Saint Joseph?

Nearby cities with lower median rent than Saint Joseph ($990/mo) include Maryville ($843/mo).
Income Affordability
17%
VERY AFFORDABLE

At $990/mo, rent takes ~17% of US median household income ($72,000/yr). The standard benchmark is 30%.

Saint Joseph 17%Benchmark 30%
State income tax2–4.7%
Run the Saint Joseph affordability calculator →
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Neighborhoods

Estimated from ZIP-level data

Schools nearby

Public schools near Saint Joseph, MO

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