HomeMinnesotaStearns CountySt. Joseph city
St. Joseph city, Minnesota: commercial real estate data.
St. Joseph city is a Census city of 7,021 people across 9.29 square miles of land, in Stearns County. Median household income is $74,946, 64.0 percent of occupied homes are owned, and the SBA record carries 30 7(a) approvals to borrowers here worth $12.8 m.
76 sourced place values · tier FULL · 8 sections
St. Joseph
What St. Joseph is
- Census place typecity
- Land area9.29 sq mi
- Water area0.02 sq mi
- Population per square mile of land756
- County holding the largest share of its areaStearns 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
- Population7,021
- Median age27.3 plus or minus 6.3
- Population under 181,230 plus or minus 259
- Share under 1817.5 percent plus or minus 3.7
- Population 65 and over787 plus or minus 185
- Share 65 and over11.2 percent plus or minus 2.6
- Households2,302
- Family households1,271
- Share of households that are families55.2 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$74,946
- Per capita income$30,893
- Civilian labor force4,080
- Employed3,967
- Unemployed113 plus or minus 78
- Unemployment rate2.8 percent plus or minus 1.9
- Adults 25 and over3,609
- Adults 25 and over with a high school diploma or higher89.2 percent
- Adults 25 and over with a bachelor degree or higher27.5 percent
- Adults 25 and over with a graduate degree9.8 percent plus or minus 4.3
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
Housing in St. Joseph
- Housing units2,371
- Occupied units2,302
- Vacant units69 plus or minus 81
- Vacancy rate2.9 percent plus or minus 3.4
- Owner occupied1,474
- Renter occupied828 plus or minus 173
- Ownership rate64.0 percent
- Median owner-occupied home value$237,700
- Median gross rent, monthly$1,136
- Annual rent as a share of median income18.2 percent plus or minus 4.1
- Single family units1,797
- Share single family75.8 percent
- Units in buildings of two or more531 plus or minus 176
- Share in buildings of two or more22.4 percent plus or minus 7.1
- Mobile homes43 plus or minus 44
- Median year structure built1992
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 commute3,518
- Commuting under 15 minutes1,229
- Share commuting under 15 minutes34.9 percent
- Commuting 30 minutes or more732 plus or minus 272
- Share commuting 30 minutes or more20.8 percent plus or minus 7.4
- Drove alone70.9 percent
- Carpooled6.6 percent plus or minus 4.1
- Public transport3.1 percent plus or minus 1.7
- Walked11.5 percent plus or minus 3.6
- Worked from home7.5 percent plus or minus 3.9
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
SBA 7(a) lending to St. Joseph borrowers
- Approvals30
- Gross approval$12,822,700
- Average approval$427,423
- Median approval$250,000
- Ninetieth percentile approval$1,358,000
- Largest approval$2,859,000
- Jobs supported305
- Jobs per approval10.2
- Loans with a final outcome9
- Paid in full9
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more3.3 percent
- Share to franchises10.0 percent
- Distinct lenders8
- Distinct industries by NAICS20
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 504 lending to St. Joseph borrowers
- Approvals25
- Gross approval$22,681,000
- Average approval$907,240
- Median approval$411,000
- Largest approval$4,908,000
- Jobs supported198
- Loans with a final outcome7
- Charged off1
- Median term240 months
- Distinct CDCs2
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Stearns County, not St. Joseph
Stearns County context, not St. Joseph figures
These are Stearns 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 Stearns County4,474
- Employment at those establishments, Stearns County84,123
- Covered employment, Stearns County87,252
- Average annual pay, Stearns County$62,313
- Average weekly wage, Stearns County$1,198
- Housing units permitted, Stearns County572
- Of those, single family, Stearns County356
- County product, 2024, Stearns County$12,618,094,000
- County product change over the prior year, Stearns County7.3 percent
- Average income of an arriving household, Stearns County$56,619
Every figure in this section is published for Stearns 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.
- This place is not listed as a community in the FEMA Community Status Book, so no NFIP participation or CRS class is shown.
- 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, Minnesota?
7,021, in 2,302 households. St. Joseph city covers 9.29 square miles of land, which is 756 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?
Stearns 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?
$74,946. The median owner-occupied home is valued at $237,700. Median gross rent is $1,136 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?
30 7(a) approvals totalling $12.8 m, across 8 lenders, median approval $250,000, plus 25 504 approvals worth $22.7 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.
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 Stearns 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.