HomeMichiganBerrien CountySt. Joseph city
St. Joseph city, Michigan: commercial real estate data.
St. Joseph city is a Census city of 7,986 people across 3.20 square miles of land, in Berrien County. Median household income is $84,057, 58.0 percent of occupied homes are owned, and the SBA record carries 35 7(a) approvals to borrowers here worth $16.1 m.
80 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
St. Joseph
What St. Joseph is
- Census place typecity
- Land area3.2 sq mi
- Water area1.58 sq mi
- Population per square mile of land2,493
- County holding the largest share of its areaBerrien County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
How many people live in St. Joseph
- Population7,986
- Median age42.7
- Population under 18977 plus or minus 229
- Share under 1812.2 percent plus or minus 2.9
- Population 65 and over1,881
- Share 65 and over23.6 percent
- Households4,193
- Family households1,903
- Share of households that are families45.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
Income and work in St. Joseph
- Median household income$84,057
- Per capita income$59,175
- Civilian labor force4,377
- Employed4,290
- Unemployed87 plus or minus 46
- Unemployment rate2.0 percent plus or minus 1.0
- Adults 25 and over6,192
- Adults 25 and over with a high school diploma or higher97.7 percent
- Adults 25 and over with a bachelor degree or higher55.3 percent
- Adults 25 and over with a graduate degree21.8 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
Housing in St. Joseph
- Housing units4,916
- Occupied units4,193
- Vacant units723 plus or minus 202
- Vacancy rate14.7 percent plus or minus 4.0
- Owner occupied2,431
- Renter occupied1,762
- Ownership rate58.0 percent
- Median owner-occupied home value$299,000
- Median gross rent, monthly$1,081
- Annual rent as a share of median income15.4 percent
- Single family units2,964
- Share single family60.3 percent
- Units in buildings of two or more1,952
- Share in buildings of two or more39.7 percent
- Mobile homes0
- Median year structure built1953
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
How St. Joseph gets to work
- Workers 16 and over who commute3,510
- Commuting under 15 minutes2,148
- Share commuting under 15 minutes61.2 percent
- Commuting 30 minutes or more619 plus or minus 196
- Share commuting 30 minutes or more17.6 percent plus or minus 5.4
- Drove alone73.3 percent
- Carpooled4.7 percent plus or minus 2.1
- Public transport0.4 percent plus or minus 0.6
- Walked4.9 percent plus or minus 2.8
- Worked from home15.6 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
SBA loans in St. Joseph (7(a))
- Approvals35
- Gross approval$16,078,500
- Average approval$459,386
- Median approval$183,000
- Ninetieth percentile approval$1,595,000
- Largest approval$3,000,000
- Jobs supported266
- Jobs per approval7.6
- Loans with a final outcome9
- Paid in full8
- Charged off1
- Median term120 months
- Share on real estate terms of 20 years or more22.9 percent
- Share to franchises22.9 percent
- Distinct lenders16
- Distinct industries by NAICS28
A charge-off rate is not published here. only 9 resolved loans, too few to publish a rate, and a rate over that few outcomes would move several points on one loan.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
St. Joseph
SBA loans in St. Joseph (504)
- Approvals7
- Gross approval$4,490,000
- Average approval$641,429
- Median approval$807,000
- Largest approval$1,171,000
- Jobs supported200
- Loans with a final outcome5
- Charged off0
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
St. Joseph
Flood risk in St. Joseph
- Listed NFIP communities2
- Of those, participating2
- NFIP community number260044
- Currently effective map date04/25/24
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Berrien County, not St. Joseph
Berrien County context, not St. Joseph figures
These are Berrien County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as St. Joseph measurements.
- Establishments in Berrien County3,561
- Employment at those establishments, Berrien County52,794
- Covered employment, Berrien County60,626
- Average annual pay, Berrien County$57,009
- Average weekly wage, Berrien County$1,096
- Housing units permitted, Berrien County354
- Of those, single family, Berrien County339
- County product, 2024, Berrien County$9,718,372,000
- County product change over the prior year, Berrien County2.4 percent
- Average income of an arriving household, Berrien County$91,777
Every figure in this section is published for Berrien County as a whole and is not a measurement of St. Joseph. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
St. Joseph questions, answered from the record.
How many people live in St. Joseph, Michigan?
7,986, in 4,193 households. St. Joseph city covers 3.20 square miles of land, which is 2,493 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Joseph in?
Berrien County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in St. Joseph?
$84,057. The median owner-occupied home is valued at $299,000. Median gross rent is $1,081 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to St. Joseph businesses?
35 7(a) approvals totalling $16.1 m, across 16 lenders, median approval $183,000, plus 7 504 approvals worth $4.5 m. These count approvals to borrowers whose address is in St. Joseph, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Joseph borrowers get paid back?
No rate is published for St. Joseph. only 9 resolved loans, too few to publish a rate, and a percentage over that few outcomes would move several points on a single loan. The counts are shown instead.
Is St. Joseph in the National Flood Insurance Program?
Yes. St. Joseph appears in the FEMA Community Status Book as community 260044, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page St. Joseph figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Berrien County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of St. Joseph.
Is zoning published for St. Joseph?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.