HomeMissouriBuchanan CountySt. Joseph city
St. Joseph city, Missouri: commercial real estate data.
St. Joseph city 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.
77 sourced place values · tier FULL · 8 sections · 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$3,475,000
- 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
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)
- Approvals30
- Gross approval$12,544,000
- Average approval$418,133
- Median approval$232,000
- Largest approval$1,697,000
- Jobs supported345
- Loans with a final outcome12
- Charged off0
- Charge-off rate over resolved loans0.0 percent
- Median term240 months
- Distinct CDCs3
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Buchanan County, not St. Joseph
Buchanan County context, not St. Joseph figures
These are Buchanan 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 Buchanan County2,027
- Employment at those establishments, Buchanan County43,357
- Covered employment, Buchanan County45,842
- Average annual pay, Buchanan County$58,558
- Average weekly wage, Buchanan County$1,126
- Housing units permitted, Buchanan County72
- Of those, single family, Buchanan County72
- County product, 2024, Buchanan County$6,730,853,000
- County product change over the prior year, Buchanan County4.7 percent
- Average income of an arriving household, Buchanan County$45,608
Every figure in this section is published for Buchanan 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, 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 totalling $71.6 m, across 29 lenders, median approval $732,000, plus 30 504 approvals worth $12.5 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.
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 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?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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