HomeTexasMontague CountySt. Jo city
St. Jo city, Texas: commercial real estate data.
St. Jo city is a Census city of 911 people across 1.08 square miles of land, in Montague County. Median household income is $68,182, 68.6 percent of occupied homes are owned, and the SBA record carries 1 7(a) approvals to borrowers here worth $15,000.
70 sourced place values · tier FULL · 8 sections · underlined figures are computed by MMCG Analytics, not published by the agency
St. Jo
What St. Jo is
- Census place typecity
- Land area1.08 sq mi
- Water area0 sq mi
- Population per square mile of land846 plus or minus 208
- County holding the largest share of its areaMontague 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. Jo
How many people live in St. Jo
- Population911 plus or minus 224
- Median age34.9
- Population under 18317 plus or minus 85
- Share under 1834.8 percent
- Population 65 and over131 plus or minus 48
- Share 65 and over14.4 percent plus or minus 3.9
- Households360 plus or minus 86
- Family households218 plus or minus 66
- Share of households that are families60.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Jo
Income and work in St. Jo
- Median household income$68,182 plus or minus $38,140
- Per capita income$26,499
- Civilian labor force408 plus or minus 112
- Employed408 plus or minus 112
- Unemployed0
- Unemployment rate0.0 percent
- Adults 25 and over582 plus or minus 145
- Adults 25 and over with a high school diploma or higher93.6 percent plus or minus 31.1
- Adults 25 and over with a bachelor degree or higher20.4 percent plus or minus 9.0
- Adults 25 and over with a graduate degree4.3 percent plus or minus 4.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Jo
Housing in St. Jo
- Housing units407 plus or minus 93
- Occupied units360 plus or minus 86
- Vacant units47 plus or minus 25
- Vacancy rate11.5 percent plus or minus 5.5
- Owner occupied247 plus or minus 65
- Renter occupied113 plus or minus 53
- Ownership rate68.6 percent
- Median owner-occupied home value$159,400 plus or minus $61,451
- Median gross rent, monthly$752 plus or minus $366
- Annual rent as a share of median income13.2 percent plus or minus 9.8
- Single family units321 plus or minus 80
- Share single family78.9 percent
- Units in buildings of two or more40 plus or minus 36
- Share in buildings of two or more9.8 percent plus or minus 8.5
- Mobile homes46 plus or minus 26
- Median year structure built1972
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Jo
How St. Jo gets to work
- Workers 16 and over who commute401 plus or minus 112
- Commuting under 15 minutes123 plus or minus 49
- Share commuting under 15 minutes30.7 percent plus or minus 8.8
- Commuting 30 minutes or more184 plus or minus 71
- Share commuting 30 minutes or more45.9 percent plus or minus 12.2
- Drove alone88.2 percent
- Carpooled9.6 percent plus or minus 7.9
- Public transport0.0 percent
- Walked0.5 percent plus or minus 1.0
- Worked from home1.7 percent plus or minus 2.4
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
St. Jo
SBA loans in St. Jo (7(a))
- Approvals1
- Gross approval$15,000
- Average approval$15,000
- Median approval$15,000
- Ninetieth percentile approval$15,000
- Largest approval$15,000
- Jobs supported0
- Jobs per approval0.0
- Loans with a final outcome0
- Paid in full0
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises0.0 percent
- Distinct lenders1
- Distinct industries by NAICS1
A charge-off rate is not published here. only 0 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. Jo
Flood risk in St. Jo
- Listed NFIP communities1
- Of those, participating1
- NFIP community number480940
- Currently effective map date(NSFHA)
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.
Montague County, not St. Jo
Montague County context, not St. Jo figures
These are Montague 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. Jo measurements.
- Establishments in Montague County448
- Employment at those establishments, Montague County3,667
- Covered employment, Montague County4,925
- Average annual pay, Montague County$47,325
- Average weekly wage, Montague County$910
- Housing units permitted, Montague County22
- Of those, single family, Montague County22
- County product, 2024, Montague County$798,429,000
- County product change over the prior year, Montague County-1.0 percent
- Average income of an arriving household, Montague County$82,906
Every figure in this section is published for Montague County as a whole and is not a measurement of St. Jo. 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. Jo questions, answered from the record.
How many people live in St. Jo, Texas?
911, in 360 households. St. Jo city covers 1.08 square miles of land, which is 846 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is St. Jo in?
Montague 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. Jo?
$68,182. The median owner-occupied home is valued at $159,400. Median gross rent is $752 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. Jo businesses?
1 7(a) approvals totalling $15,000, across 1 lenders, median approval $15,000. These count approvals to borrowers whose address is in St. Jo, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to St. Jo borrowers get paid back?
No rate is published for St. Jo. only 0 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. Jo in the National Flood Insurance Program?
Yes. St. Jo appears in the FEMA Community Status Book as community 480940, 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. Jo figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Montague 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. Jo.
Is zoning published for St. Jo?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.
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