HomeMissouriBuchanan CountySt. Joseph
St. Joseph, Missouri: commercial real estate data.
St. Joseph is a Census city of 71,236 people across 44.04 square miles of land, in Buchanan County. Median household income is $57,956, 62.8 percent of occupied homes are owned, and the SBA record carries 65 7(a) approvals to borrowers here worth $71.6 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
St. Joseph
What St. Joseph is
- Census place typecity
- Land area44.04 sq mi
- Water area0.79 sq mi
- Population per square mile of land1,618
- County holding the largest share of its areaBuchanan 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
- Population71,236
- Median age38.1
- Population under 1815,748
- Share under 1822.1 percent
- Population 65 and over11,999
- Share 65 and over16.8 percent
- Households28,756
- Family households15,960
- Share of households that are families55.5 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$57,956
- Per capita income$32,547
- Civilian labor force34,152
- Employed32,682
- Unemployed1,470 plus or minus 348
- Unemployment rate4.3 percent plus or minus 1.0
- Adults 25 and over48,307
- Adults 25 and over with a high school diploma or higher89.5 percent
- Adults 25 and over with a bachelor degree or higher23.0 percent
- Adults 25 and over with a graduate degree7.5 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
Housing in St. Joseph
- Housing units33,255
- Occupied units28,756
- Vacant units4,499
- Vacancy rate13.5 percent
- Owner occupied18,051
- Renter occupied10,705
- Ownership rate62.8 percent
- Median owner-occupied home value$154,200
- Median gross rent, monthly$898
- Annual rent as a share of median income18.6 percent
- Single family units24,791
- Share single family74.5 percent
- Units in buildings of two or more7,582
- Share in buildings of two or more22.8 percent
- Mobile homes861 plus or minus 229
- Median year structure built1962
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 commute30,046
- Commuting under 15 minutes16,879
- Share commuting under 15 minutes56.2 percent
- Commuting 30 minutes or more4,067
- Share commuting 30 minutes or more13.5 percent
- Drove alone79.0 percent
- Carpooled11.4 percent
- Public transport0.2 percent plus or minus 0.1
- Walked1.2 percent plus or minus 0.4
- Worked from home7.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Joseph
SBA loans in St. Joseph (7(a))
- Approvals65
- Gross approval$71,631,200
- Average approval$1,102,018
- Median approval$732,000
- Ninetieth percentile approval$3,154,600
- Largest approval$5,000,000
- Jobs supported1,284
- Jobs per approval19.8
- Loans with a final outcome9
- Paid in full9
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more30.8 percent
- Share to franchises21.5 percent
- Distinct lenders29
- Distinct industries by NAICS30
Counted by borrower city: approvals to borrowers whose address is in St. Joseph, in any county, FY2020 to FY2026. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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)
- Approvals30
- Gross approval$12,544,000
- Average approval$418,133
- Median approval$227,000
- Largest approval$1,697,000
- Jobs supported345
- Loans with a final outcome12
- Charged off0
- Median term240 months
- Distinct CDCs3
Counted by borrower city: approvals to borrowers whose address is in St. Joseph, in any county, FY2010 to FY2026. Only 12 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
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
- NFIP communityCity of St. Joseph
- NFIP community number290043
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/13/26(>)
The City of St. Joseph participates in the National Flood Insurance Program as community 290043 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Buchanan County, not St. Joseph
Buchanan County context, not St. Joseph figures
- Establishments in Buchanan County2,027
- Covered employment, Buchanan County45,842
- Average annual pay, Buchanan County$58,558
- Housing units permitted, Buchanan County72
Every figure in this section is published for Buchanan County as a whole and is not a measurement of St. Joseph.
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.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
St. Joseph questions, answered from the record.
How many people live in St. Joseph, Missouri?
71,236, in 28,756 households. St. Joseph city covers 44.04 square miles of land, which is 1,618 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?
Buchanan 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?
$57,956. The median owner-occupied home is valued at $154,200. Median gross rent is $898 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?
65 7(a) approvals totaling $71.6 m since FY2020, across 29 lenders, median approval $732,000, plus 30 504 approvals worth $12.5 m since FY2010. 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 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. 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 St. Joseph, city of, community 290043, 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 labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Buchanan 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?
No. Nothing on this page presents parcel level zoning.
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