ST. JOSEPH Mortgage Rates & Closing Costs

30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

30 Year Fixed Rate mortgages in St. Joseph averaged 6.95% for the week of 2024-07-11, compared to the national average of 6.89% for the same period.

The average rate for the prior week (2024-07-03) was 7.01% and one month ago for the week of 2024-06-06, the average rate was 6.95%.

St. Joseph's average rate one year ago was 7.17%.

For refis of the same type during the week of 2024-07-11, the average rate was 7.39%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-07-11 6.89%
St. Joseph 30 Year Fixed Rate 2024-07-11 6.95%
St. Joseph 30 Year Fixed Rate Refi 2024-07-11 7.39%
St. Joseph 15 Year Fixed Rate 2024-07-11 6.37%
St. Joseph 15 Year Fixed Rate Refi 2024-07-11 6.57%
St. Joseph 30 Year FHA 2024-07-11 6.58%
St. Joseph 30 Year FHA Refi 2024-07-11 6.66%
St. Joseph 30 Year USDA 2024-07-11 6.77%
St. Joseph 30 Year USDA Refi 2024-07-11 6.47%
St. Joseph 30 Year VA 2024-07-11 6.44%
St. Joseph 30 Year VA Refi 2024-07-11 6.26%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ST. JOSEPH, MO-KS.

ST. JOSEPH Top Lenders by Rates & Fees

The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ST. JOSEPH, MO-KS market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 165 7.04% $3,305
U.S. Bank 54 6.83% $2,806
HNB National Bank 49 6.84% $1,773
QUICKEN LOANS, LLC 48 6.93% $5,779
PRIMELENDING, A PLAINSCAPITAL COMPANY 24 7.44% $3,625
Commerce Bank 19 6.59% $2,322
ASSEMBLIES OF GOD Credit Union 18 6.60% $2,098
FLAT BRANCH MORTGAGE, INC. 16 6.92% $3,466
Flagstar Bank, FSB 14 6.53% $2,149
UNITED WHOLESALE MORTGAGE, LLC 14 7.15% $4,354
AMERICAN PORTFOLIO MORTGAGE CORPORATION 12 6.98% $3,584
ENDEAVOR CAPITAL, LLC. 12 6.69% $4,070
COMMUNITYAMERICA 10 6.85% $2,538
OPEN MORTGAGE, LLC 9 7.03% $4,441
COMMUNITY MORTGAGE, LLC 9 6.50% $3,280
UMB Bank 8 6.58% $1,962
Flanagan State Bank 8 7.48% $3,466
Mr. Cooper ( Nationstar Mortgage ) 8 7.11% $6,393
Arvest Bank 8 6.45% $3,493
Wells Fargo Bank 7 7.16% $3,398
NBH Bank 7 6.57% $1,999
FREEDOM MORTGAGE CORPORATION 5 6.85% $8,109
Prosperity Home Mortgage, LLC 5 7.58% $5,274
GUILD MORTGAGE COMPANY 5 6.72% $3,776
CROSSCOUNTRY MORTGAGE, LLC 5 6.67% $4,737
Mortgage Investment Services Corporation 5 7.08% $2,980
Community Mortgage Banc Corporation 4 6.59% $2,926
NBKC BANK 4 6.97% $3,263
PENNYMAC LOAN SERVICES, LLC 4 6.50% $4,122
First Bank 4 6.28% $2,762
BROKER SOLUTIONS, INC. 4 7.53% $5,758
HALLMARK HOME MORTGAGE, LLC 4 7.28% $4,339
JPMorgan Chase Bank 4 7.44% $2,166
LOANDEPOT.COM, LLC 4 7.12% $5,349
North American Savings Bank, F.S.B. 3 7.50% $3,593
ROYAL UNITED MORTGAGE LLC 3 6.67% $8,703
LEADERONE FINANCIAL CORPORATION 3 7.08% $3,586
First State Bank of St. Charles, Missouri 3 6.25% $4,194
AMERISAVE MORTGAGE CORPORATION 3 7.25% $10,799
Stifel Bank and Trust 3 6.29% $1,978
BMO Harris Bank 3 6.08% $3,103
Bank of America 2 6.13% $2,697
DAS Acquisition Company, LLC 2 7.00% $5,434
MUTUAL OF OMAHA MORTGAGE, INC. 2 7.06% $5,843
NAVY FEDERAL CREDIT UNION 2 7.50% $1,898
NEWREZ LLC 2 7.13% $4,459
First Federal Bank 2 6.94% $3,991
USAA Federal Savings Bank 2 6.75% $4,490
Waterstone Mortgage Corporation 2 7.00% $4,511
THRIVE MORTGAGE, LLC 2 7.13% $3,184
BOKF 2 7.13% $2,578
21ST MORTGAGE CORPORATION 2 7.82% $6,059
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 6.94% $4,516
Regions Bank 2 7.06% $4,458
GERSHMAN INVESTMENT CORP. 2 7.81% $2,421
DELMAR FINANCIAL COMPANY 2 6.63% $0
The Central Trust Bank 1 6.75% $3,780
Academy Bank 1 6.13% $3,934
AMERICAN FINANCING CORPORATION 1 6.50% $7,432
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 7.63% $4,852
AmeriHome Mortgage Company, LLC 1 7.99% $6,226
Bank of England 1 6.88% $3,027
BETTER MORTGAGE CORPORATION 1 6.63% $4,865
CALIBER HOME LOANS, INC. 1 7.13% $3,158
CAPITAL CONCEPTS, INC. 1 7.25% $11,145
Central National Bank 1 7.88% $1,163
CMG MORTGAGE, INC. 1 5.75% $6,125
Colonial Savings, F.A. 1 6.75% $5,156
Deere Employees Credit Union 1 5.13% $2,660
Equity Bank 1 7.49% $2,275
FCS Financial FLCA 1 7.95% $3,034
First United Bank and Trust Company 1 6.13% $1,739
GARDNER FINANCIAL SERVICES, LTD. 1 5.88% $6,740
GENEVA FINANCIAL, LLC 1 6.88% $6,023
Great Southern Bank 1 5.63% $2,303
GUARANTEED RATE, INC. 1 6.63% $2,901
GUIDANCE RESIDENTIAL, LLC 1 6.88% $3,224
Landmark National Bank 1 6.25% $1,945
MID AMERICAN 1 8.13% $2,552
Midwest Mortgage Associates Corporation 1 7.50% $4,115
Mortgage Research Center, LLC 1 7.88% $499
NP, Inc. 1 10.62% $7,492
PENTAGON FEDERAL CREDIT UNION 1 5.75% $9,066
Plains Commerce Bank 1 8.00% $1,864
PLAZA HOME MORTGAGE, INC. 1 8.38% $3,264
S1L, Inc. 1 5.88% $4,759
Southern Bank 1 7.38% $1,791
SUMMIT FUNDING, INC. 1 6.88% $3,683
Think Mutual Bank 1 6.38% $3,751
Third Federal Savings and Loan Association of Cleveland 1 5.59% $2,728
UNION HOME MORTGAGE CORP. 1 6.63% $5,841
United Fidelity Funding Corp. 1 6.99% $4,074

ST. JOSEPH Average Closing Costs & Other Stats

ST. JOSEPH, MO-KS's 92 lenders originated 2,055 loans during 2023. The total origination value was $342,195,000, with an average loan value of $166,518.

ST. JOSEPH's average closing costs are $3,801.

The top ST. JOSEPH lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 165 loans originated. Their average total fees are $3,305, which is $500 higher than the next largest lender, U.S. Bank.

The lowest fee ST. JOSEPH lenders (with over 10 loans originated) are HNB National Bank ($1,773), ASSEMBLIES OF GOD Credit Union ($2,098), Flagstar Bank, FSB ($2,149), Commerce Bank ($2,322) and COMMUNITYAMERICA ($2,538).

The lowest rate ST. JOSEPH lenders (with over 10 loans originated) are Flagstar Bank, FSB (6.53%), Commerce Bank (6.59%), ASSEMBLIES OF GOD Credit Union (6.60%), ENDEAVOR CAPITAL, LLC. (6.69%) and U.S. Bank (6.83%).

ST. JOSEPH, MO-KS Mortgage Market Share & Volume

Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $39,415,000 $48,975,000 24.3% 14.3%
ORIX REAL ESTATE CAPITAL, LLC $20,935,000 n/a 6.1%
QUICKEN LOANS, LLC $24,880,000 $17,705,000 -28.8% 5.2%
The Nodaway Valley Bank $14,525,000 $17,325,000 19.3% 5.1%
HNB National Bank $16,835,000 $15,620,000 -7.2% 4.6%
U.S. Bank $25,530,000 $13,850,000 -45.8% 4.0%
Commerce Bank $13,500,000 $12,635,000 -6.4% 3.7%
Farmers State Bank $15,265,000 $9,745,000 -36.2% 2.8%
GREYSTONE SERVICING COMPANY LLC $8,535,000 n/a 2.5%
PRIMELENDING, A PLAINSCAPITAL COMPANY $26,020,000 $7,470,000 -71.3% 2.2%
Flanagan State Bank $7,705,000 $7,150,000 -7.2% 2.1%
Mortgage Research Center, LLC $10,470,000 $5,875,000 -43.9% 1.7%
FLAT BRANCH MORTGAGE, INC. $12,550,000 $5,780,000 -53.9% 1.7%
UNITED WHOLESALE MORTGAGE, LLC $3,425,000 $5,575,000 62.8% 1.6%
ENDEAVOR CAPITAL, LLC. $6,790,000 $5,425,000 -20.1% 1.6%
Exchange Bank & Trust $5,190,000 $4,855,000 -6.5% 1.4%
Arvest Bank $2,875,000 $4,235,000 47.3% 1.2%
AMERICAN PORTFOLIO MORTGAGE CORPORATION $3,775,000 $4,035,000 6.9% 1.2%
American Bank of Missouri $4,005,000 n/a 1.2%
COMMUNITY MORTGAGE, LLC $3,450,000 $3,430,000 -0.6% 1.0%
LEADERONE FINANCIAL CORPORATION $6,525,000 $3,370,000 -48.4% 1.0%
Mr. Cooper ( Nationstar Mortgage ) $3,520,000 $3,115,000 -11.5% 0.9%
DOMINION FINANCIAL SERVICES, LLC $580,000 $3,080,000 431.0% 0.9%
Flagstar Bank, FSB $5,320,000 $3,080,000 -42.1% 0.9%
Farmers State Bank $15,265,000 $2,945,000 -80.7% 0.9%
COMMUNITYAMERICA $4,220,000 $2,835,000 -32.8% 0.8%
NBH Bank $5,500,000 $2,650,000 -51.8% 0.8%
BENDENA STATE BANK $2,625,000 n/a 0.8%
Equity Bank $1,885,000 $2,625,000 39.3% 0.8%
The Union State Bank of Everest $3,835,000 $2,625,000 -31.6% 0.8%
Independent Farmers Bank $2,400,000 n/a 0.7%
OPEN MORTGAGE, LLC $2,695,000 $2,375,000 -11.9% 0.7%
GUILD MORTGAGE COMPANY $500,000 $2,360,000 372.0% 0.7%
Mutual Savings Association $3,425,000 $2,335,000 -31.8% 0.7%
UMB Bank $2,745,000 $2,325,000 -15.3% 0.7%
FREEDOM MORTGAGE CORPORATION $2,805,000 $2,270,000 -19.1% 0.7%
PENNYMAC LOAN SERVICES, LLC $1,945,000 $2,185,000 12.3% 0.6%
ASSEMBLIES OF GOD Credit Union $450,000 $2,135,000 374.4% 0.6%
21ST MORTGAGE CORPORATION $1,785,000 $2,070,000 16.0% 0.6%
LOANDEPOT.COM, LLC $5,285,000 $2,015,000 -61.9% 0.6%
NBKC BANK $1,875,000 $2,000,000 6.7% 0.6%
NAVY FEDERAL CREDIT UNION $2,325,000 $1,935,000 -16.8% 0.6%
Wells Bank $2,285,000 $1,810,000 -20.8% 0.5%
AMERISAVE MORTGAGE CORPORATION $2,925,000 $1,780,000 -39.1% 0.5%
CROSSCOUNTRY MORTGAGE, LLC $2,340,000 $1,730,000 -26.1% 0.5%
Wells Fargo Bank $4,000,000 $1,515,000 -62.1% 0.4%
KS StateBank $5,590,000 $1,490,000 -73.3% 0.4%
LENDINGHOME FUNDING CORPORATION $760,000 $1,455,000 91.4% 0.4%
BROKER SOLUTIONS, INC. $710,000 $1,450,000 104.2% 0.4%
HALLMARK HOME MORTGAGE, LLC $95,000 $1,310,000 1,278.9% 0.4%
First State Bank of St. Charles, Missouri $445,000 $1,290,000 189.9% 0.4%
GUARANTEED RATE, INC. $945,000 $1,230,000 30.2% 0.4%
First Option Bank $3,460,000 $1,205,000 -65.2% 0.4%
BTC BANK $2,900,000 $1,135,000 -60.9% 0.3%
MUTUAL OF OMAHA MORTGAGE, INC. $500,000 $1,095,000 119.0% 0.3%
Old Missouri Bank $1,095,000 n/a 0.3%
First Bank $580,000 $1,085,000 87.1% 0.3%
North American Savings Bank, F.S.B. $2,060,000 $1,075,000 -47.8% 0.3%
DAS Acquisition Company, LLC $1,055,000 $1,030,000 -2.4% 0.3%
BMO Harris Bank $560,000 $975,000 74.1% 0.3%
Barrington Bank & Trust Company, N.A. $680,000 $960,000 41.2% 0.3%
Mortgage Investment Services Corporation $1,665,000 $950,000 -42.9% 0.3%
Stifel Bank and Trust $1,575,000 $940,000 -40.3% 0.3%
NEW DAY FINANCIAL, LLC $515,000 $875,000 69.9% 0.3%
MORTGAGE SOLUTIONS OF COLORADO, LLC $2,955,000 $850,000 -71.2% 0.2%
The Central Trust Bank $3,430,000 $820,000 -76.1% 0.2%
The Hamilton Bank $805,000 n/a 0.2%
JPMorgan Chase Bank $2,860,000 $800,000 -72.0% 0.2%
Southern Bank $780,000 n/a 0.2%
FCS Financial FLCA $105,000 $750,000 614.3% 0.2%
USAA Federal Savings Bank $395,000 $740,000 87.3% 0.2%
Prosperity Home Mortgage, LLC $1,040,000 $725,000 -30.3% 0.2%
CALIBER HOME LOANS, INC. $2,085,000 $700,000 -66.4% 0.2%
MID AMERICA MORTGAGE, INC. $1,190,000 $695,000 -41.6% 0.2%
SUMMIT FUNDING, INC. $2,405,000 $680,000 -71.7% 0.2%
CARDINAL FINANCIAL $2,375,000 $630,000 -73.5% 0.2%
Carrington Mortgage Services, LLC $1,515,000 $620,000 -59.1% 0.2%
GNBank $115,000 $600,000 421.7% 0.2%
ROYAL UNITED MORTGAGE LLC $325,000 $600,000 84.6% 0.2%
THRIVE MORTGAGE, LLC $600,000 n/a 0.2%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $185,000 $595,000 221.6% 0.2%
Bank of America $1,075,000 $570,000 -47.0% 0.2%
Waterstone Mortgage Corporation $195,000 $540,000 176.9% 0.2%
Bank Northwest $530,000 n/a 0.2%
Community Mortgage Banc Corporation $3,280,000 $510,000 -84.5% 0.1%
S1L, Inc. $175,000 $465,000 165.7% 0.1%
NEWREZ LLC $1,220,000 $460,000 -62.3% 0.1%
Figure Lending LLC $95,000 $455,000 378.9% 0.1%
American Mortgage & Equity Consultants, Inc. $445,000 n/a 0.1%
United Fidelity Funding Corp. $190,000 $440,000 131.6% 0.1%
Peoples Bank $400,000 n/a 0.1%
Think Mutual Bank $395,000 n/a 0.1%
BOKF $800,000 $390,000 -51.3% 0.1%
Midwest Mortgage Associates Corporation $385,000 n/a 0.1%
Bank of Weston $365,000 n/a 0.1%
NFM, INC. $365,000 n/a 0.1%
First Federal Bank $285,000 $355,000 24.6% 0.1%
First United Bank and Trust Company $355,000 n/a 0.1%
Midland States Bank $355,000 n/a 0.1%
Regions Bank $105,000 $350,000 233.3% 0.1%
Academy Bank $345,000 n/a 0.1%
LIMA ONE CAPITAL, LLC $395,000 $345,000 -12.7% 0.1%
PENTAGON FEDERAL CREDIT UNION $675,000 $340,000 -49.6% 0.1%
UNION HOME MORTGAGE CORP. $1,090,000 $335,000 -69.3% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,025,000 $330,000 -67.8% 0.1%
Presidential Bank, FSB $325,000 n/a 0.1%
Plains Commerce Bank $250,000 $315,000 26.0% 0.1%
DELMAR FINANCIAL COMPANY $180,000 $310,000 72.2% 0.1%
CMG MORTGAGE, INC. $705,000 $305,000 -56.7% 0.1%
New Century Bank $305,000 n/a 0.1%
CHARTER WEST BANK $295,000 n/a 0.1%
Discover Bank $255,000 $295,000 15.7% 0.1%
GERSHMAN INVESTMENT CORP. $1,050,000 $290,000 -72.4% 0.1%
TOP FLITE FINANCIAL, INC. $490,000 $290,000 -40.8% 0.1%
PRIMARY RESIDENTIAL MORTGAGE, INC. $165,000 $275,000 66.7% 0.1%
BAYSHORE MORTGAGE FUNDING, LLC $265,000 n/a 0.1%
Ixonia Bank $265,000 n/a 0.1%
Landmark National Bank $195,000 $265,000 35.9% 0.1%
FRONTIER COMMUNITY CREDIT UNION $245,000 n/a 0.1%
GENEVA FINANCIAL, LLC $270,000 $235,000 -13.0% 0.1%
The Callaway Bank $235,000 n/a 0.1%
PLAZA HOME MORTGAGE, INC. $495,000 $230,000 -53.5% 0.1%
Secured Investment Corp. $230,000 n/a 0.1%
Deere Employees Credit Union $225,000 n/a 0.1%
M&T Bank $575,000 $225,000 -60.9% 0.1%
State Bank of Table Rock $225,000 n/a 0.1%
Third Federal Savings and Loan Association of Cleveland $335,000 $225,000 -32.8% 0.1%
HOMEXPRESS MORTGAGE CORP. $220,000 n/a 0.1%
Central National Bank $215,000 n/a 0.1%
EVERETT FINANCIAL, INC. $1,235,000 $215,000 -82.6% 0.1%
PHH Mortgage Corporation $415,000 $215,000 -48.2% 0.1%
VERIDIAN CREDIT UNION $215,000 n/a 0.1%
The Federal Savings Bank $1,100,000 $205,000 -81.4% 0.1%
PNC Bank $85,000 $195,000 129.4% 0.1%
Alliant Bank $180,000 $190,000 5.6% 0.1%
AMERICAN HERITAGE LENDING, INC. $95,000 $190,000 100.0% 0.1%
FINANCE OF AMERICA REVERSE LLC $45,000 $190,000 322.2% 0.1%
VELOCITY COMMERCIAL CAPITAL, LLC $190,000 n/a 0.1%
HOMESTAR FINANCIAL CORPORATION $185,000 n/a 0.1%
AMERICAN FINANCING CORPORATION $540,000 $175,000 -67.6% 0.1%
BETTER MORTGAGE CORPORATION $325,000 $175,000 -46.2% 0.1%
First Federal Bank of Kansas City $820,000 $170,000 -79.3% 0.0%
Armed Forces Bank $65,000 $165,000 153.8% 0.0%
Country Club Bank $530,000 $165,000 -68.9% 0.0%
HOMESIDE FINANCIAL, LLC $155,000 $165,000 6.5% 0.0%
CAPITAL CONCEPTS, INC. $155,000 n/a 0.0%
GUIDANCE RESIDENTIAL, LLC $255,000 $155,000 -39.2% 0.0%
Neighborhood Loans, Inc. $310,000 $155,000 -50.0% 0.0%
NP, Inc. $155,000 n/a 0.0%
Regional Missouri Bank $155,000 n/a 0.0%
Equity Prime Mortgage LLC $155,000 $150,000 -3.2% 0.0%
CHURCHILL MORTGAGE CORPORATION $145,000 n/a 0.0%
Community First National Bank $145,000 n/a 0.0%
Northpointe Bank $145,000 n/a 0.0%
PANORAMA MORTGAGE GROUP, LLC $700,000 $145,000 -79.3% 0.0%
AMERICAN PACIFIC MORTGAGE CORPORATION $720,000 $135,000 -81.3% 0.0%
AmeriHome Mortgage Company, LLC $135,000 n/a 0.0%
Colonial Savings, F.A. $115,000 $135,000 17.4% 0.0%
AMERITRUST MORTGAGE CORPORATION $125,000 n/a 0.0%
GARDNER FINANCIAL SERVICES, LTD. $125,000 n/a 0.0%
LOANPAL, LLC $465,000 $125,000 -73.1% 0.0%
Sierra Pacific Mortgage Company, Inc. $350,000 $125,000 -64.3% 0.0%
ACADEMY MORTGAGE CORPORATION $300,000 $120,000 -60.0% 0.0%
MID AMERICAN $115,000 n/a 0.0%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $105,000 n/a 0.0%
BAY EQUITY LLC $465,000 $105,000 -77.4% 0.0%
Farm Credit Mid-America, ACA $605,000 $105,000 -82.6% 0.0%
Pinnacle Bank $105,000 n/a 0.0%
Great Southern Bank $280,000 $95,000 -66.1% 0.0%
LENDINGONE, LLC $85,000 n/a 0.0%
MEGASTAR FINANCIAL CORP. $1,200,000 $85,000 -92.9% 0.0%
HOMEBRIDGE FINANCIAL SERVICES, INC. $655,000 $75,000 -88.5% 0.0%
QUORUM FEDERAL CREDIT UNION $45,000 $75,000 66.7% 0.0%
Bank of England $240,000 $65,000 -72.9% 0.0%
VANDERBILT MORTGAGE AND FINANCE, INC. $65,000 n/a 0.0%
First National Bank of America $255,000 $55,000 -78.4% 0.0%
GREENSTATE CREDIT UNION $55,000 n/a 0.0%
PLANET HOME LENDING, LLC $210,000 $25,000 -88.1% 0.0%
ALLIANT CREDIT UNION $15,000 n/a 0.0%
Frontier Bank $360,000 $15,000 -95.8% 0.0%

ST. JOSEPH's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 14.3% market share. In second place, with 6.1%, is ORIX REAL ESTATE CAPITAL, LLC, having originated $20,935,000 in loans. In third place, with 5.2%, is QUICKEN LOANS, LLC, having originated $17,705,000 in loans. In fourth place, with 5.1%, is The Nodaway Valley Bank, having originated $17,325,000 in loans. In fifth place, with 4.6%, is HNB National Bank, having originated $15,620,000 in loans.


ST. JOSEPH Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - ST. JOSEPH (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $127,725 (19.2%) $185,727 (12.2%) 0.00 411
2018-02-01 $124,950 (19.0%) $186,756 (16.6%) 0.00 401
2018-03-01 $130,000 (30.9%) $186,428 (18.5%) 0.00 386
2018-04-01 $126,175 (14.8%) $184,323 (7.7%) 0.00 388
2018-05-01 $127,475 (21.9%) $179,080 (5.2%) 0.00 415
2018-06-01 $126,900 (10.4%) $177,643 (3.3%) 0.00 447
2018-07-01 $129,700 (5.1%) $174,030 (-0.1%) 0.00 421
2018-08-01 $132,988 (5.6%) $174,041 (-5.0%) 0.00 434
2018-09-01 $134,900 (6.9%) $175,929 (-4.6%) 0.00 445
2018-10-01 $131,950 (2.3%) $166,972 (-10.9%) 0.00 459
2018-11-01 $131,425 (3.5%) $172,072 (-6.5%) 0.00 455
2018-12-01 $123,500 (-4.0%) $166,406 (-9.5%) 0.00 440
2019-01-01 $119,900 (-6.1%) $164,844 (-11.2%) 0.00 418
2019-02-01 $119,450 (-4.4%) $162,893 (-12.8%) 0.00 378
2019-03-01 $113,471 (-12.7%) $162,830 (-12.7%) 0.00 355
2019-04-01 $107,271 (-15.0%) $163,060 (-11.5%) 0.00 333
2019-05-01 $111,175 (-12.8%) $169,685 (-5.3%) 0.00 325
2019-06-01 $124,700 (-1.7%) $172,948 (-2.6%) 0.00 369
2019-07-01 $130,225 (0.4%) $174,018 (0.0%) 0.00 385
2019-08-01 $133,027 (0.0%) $175,919 (1.1%) 0.00 388
2019-09-01 $136,893 (1.5%) $180,009 (2.3%) 0.00 386
2019-10-01 $139,900 (6.0%) $184,107 (10.3%) 0.00 382
2019-11-01 $128,700 (-2.1%) $176,864 (2.8%) 0.00 371
2019-12-01 $124,950 (1.2%) $174,037 (4.6%) 0.00 354
2020-01-01 $115,000 (-4.1%) $168,507 (2.2%) 0.00 321
2020-02-01 $112,250 (-6.0%) $167,874 (3.1%) 0.00 288
2020-03-01 $129,225 (13.9%) $189,956 (16.7%) 0.00 267
2020-04-01 $129,900 (21.1%) $189,563 (16.3%) 0.00 243
2020-05-01 $152,425 (37.1%) $207,968 (22.6%) 0.00 236
2020-06-01 $164,900 (32.2%) $209,038 (20.9%) 0.00 209
2020-07-01 $154,475 (18.6%) $213,874 (22.9%) 0.00 194
2020-08-01 $139,900 (5.2%) $219,470 (24.8%) 0.00 189
2020-09-01 $129,450 (-5.4%) $208,812 (16.0%) 0.00 204
2020-10-01 $127,000 (-9.2%) $196,119 (6.5%) 0.00 203
2020-11-01 $122,400 (-4.9%) $184,874 (4.5%) 0.00 203
2020-12-01 $122,397 (-2.0%) $178,356 (2.5%) 0.00 204
2021-01-01 $115,000 (0.0%) $178,656 (6.0%) 0.00 170
2021-02-01 $125,000 (11.4%) $181,702 (8.2%) 0.00 146
2021-03-01 $123,756 (-4.2%) $185,828 (-2.2%) 0.00 133
2021-04-01 $119,675 (-7.9%) $192,655 (1.6%) 0.00 111
2021-05-01 $120,000 (-21.3%) $202,479 (-2.6%) 0.00 128
2021-06-01 $119,900 (-27.3%) $201,462 (-3.6%) 0.00 148
2021-07-01 $125,000 (-19.1%) $205,779 (-3.8%) 0.00 188
2021-08-01 $119,800 (-14.4%) $184,993 (-15.7%) 0.00 194
2021-09-01 $113,875 (-12.0%) $167,758 (-19.7%) 0.00 215
2021-10-01 $109,900 (-13.5%) $162,223 (-17.3%) 0.00 226
2021-11-01 $107,700 (-12.0%) $159,179 (-13.9%) 0.00 212
2021-12-01 $102,750 (-16.1%) $154,150 (-13.6%) 0.00 181
2022-01-01 $123,450 (7.4%) $160,255 (-10.3%) 0.00 157
2022-02-01 $118,600 (-5.1%) $184,395 (1.5%) 0.00 130
2022-03-01 $122,450 (-1.1%) $189,631 (2.1%) 0.00 107
2022-04-01 $150,000 (25.3%) $213,387 (10.8%) 0.00 106
2022-05-01 $187,400 (56.2%) $257,210 (27.0%) 0.00 118
2022-06-01 $166,150 (38.6%) $229,067 (13.7%) 0.00 146
2022-07-01 $170,000 (36.0%) $228,897 (11.2%) 0.00 169
2022-08-01 $165,250 (37.9%) $225,605 (22.0%) 0.00 188
2022-09-01 $165,400 (45.3%) $206,369 (23.0%) 0.00 175
2022-10-01 $159,900 (45.5%) $193,546 (19.3%) 0.00 182
2022-11-01 $162,000 (50.4%) $193,903 (21.8%) 0.00 199
2022-12-01 $160,000 (55.7%) $196,776 (27.7%) 0.00 174
2023-01-01 $154,925 (25.5%) $192,812 (20.3%) 0.00 145
2023-02-01 $142,725 (20.3%) $203,189 (10.2%) 0.00 123
2023-03-01 $149,900 (22.4%) $202,839 (7.0%) 0.00 109
2023-04-01 $167,450 (11.6%) $216,576 (1.5%) 0.00 113
2023-05-01 $191,200 (2.0%) $242,685 (-5.7%) 0.00 121
2023-06-01 $200,975 (21.0%) $253,327 (10.6%) 0.00 143
2023-07-01 $189,900 (11.7%) $254,147 (11.0%) 0.00 157
2023-08-01 $181,100 (9.6%) $253,359 (12.3%) 0.00 157
2023-09-01 $177,500 (7.3%) $232,498 (12.7%) 0.00 181
2023-10-01 $181,200 (13.3%) $244,218 (26.2%) 0.00 182
2023-11-01 $177,450 (9.5%) $245,673 (26.7%) 0.00 189
2023-12-01 $177,500 (10.9%) $245,326 (24.7%) 0.00 191
2024-01-01 $169,450 (9.4%) $235,703 (22.2%) 0.00 174
2024-02-01 $154,950 (8.6%) $223,977 (10.2%) 0.00 166
2024-03-01 $169,900 (13.3%) $240,467 (18.6%) 0.00 141
2024-04-01 $170,100 (1.6%) $271,074 (25.2%) 0.00 148
2024-05-01 $189,900 (-0.7%) $291,597 (20.2%) 0.00 157
2024-06-01 $189,900 (-5.5%) $293,952 (16.0%) 0.00 170
ST. JOSEPH's median listing price for 2024-06-01 was $189,900, a difference of $-11,075 (-5.5%) versus the prior year and $0 versus the prior month.

ST. JOSEPH's median listing price comes in at 0% of the national average.

ST. JOSEPH's average listing price for 2024-06-01 was $293,952, a difference of $40,625 (16.0%) versus the prior year and $2,355 versus the prior month.

For the 2024-06-01 period, ST. JOSEPH had 170 MLS listings, a difference of 13 listings (8%) versus the prior month and 27 listings (19%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - ST. JOSEPH (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,566 sqft
2018-02-01 0 days 1,546 sqft
2018-03-01 0 days 1,556 sqft
2018-04-01 0 days 1,543 sqft
2018-05-01 0 days 1,549 sqft
2018-06-01 0 days 1,520 sqft
2018-07-01 0 days 1,454 sqft
2018-08-01 0 days 1,503 sqft
2018-09-01 0 days 1,546 sqft
2018-10-01 0 days 1,533 sqft
2018-11-01 0 days 1,560 sqft
2018-12-01 0 days 1,560 sqft
2019-01-01 0 days 1,561 sqft
2019-02-01 0 days 1,555 sqft
2019-03-01 0 days 1,562 sqft
2019-04-01 0 days 1,550 sqft
2019-05-01 0 days 1,597 sqft
2019-06-01 0 days 1,600 sqft
2019-07-01 0 days 1,613 sqft
2019-08-01 0 days 1,653 sqft
2019-09-01 0 days 1,707 sqft
2019-10-01 0 days 1,733 sqft
2019-11-01 0 days 1,652 sqft
2019-12-01 0 days 1,600 sqft
2020-01-01 0 days 1,584 sqft
2020-02-01 0 days 1,518 sqft
2020-03-01 0 days 1,696 sqft
2020-04-01 0 days 1,667 sqft
2020-05-01 0 days 1,736 sqft
2020-06-01 0 days 1,719 sqft
2020-07-01 0 days 1,668 sqft
2020-08-01 0 days 1,652 sqft
2020-09-01 0 days 1,568 sqft
2020-10-01 0 days 1,576 sqft
2020-11-01 0 days 1,524 sqft
2020-12-01 0 days 1,483 sqft
2021-01-01 0 days 1,555 sqft
2021-02-01 0 days 1,568 sqft
2021-03-01 0 days 1,525 sqft
2021-04-01 0 days 1,512 sqft
2021-05-01 0 days 1,577 sqft
2021-06-01 0 days 1,500 sqft
2021-07-01 0 days 1,500 sqft
2021-08-01 0 days 1,524 sqft
2021-09-01 0 days 1,482 sqft
2021-10-01 0 days 1,440 sqft
2021-11-01 0 days 1,349 sqft
2021-12-01 0 days 1,352 sqft
2022-01-01 0 days 1,316 sqft
2022-02-01 0 days 1,338 sqft
2022-03-01 0 days 1,383 sqft
2022-04-01 0 days 1,553 sqft
2022-05-01 0 days 1,716 sqft
2022-06-01 0 days 1,589 sqft
2022-07-01 0 days 1,584 sqft
2022-08-01 0 days 1,526 sqft
2022-09-01 0 days 1,555 sqft
2022-10-01 0 days 1,476 sqft
2022-11-01 0 days 1,458 sqft
2022-12-01 0 days 1,524 sqft
2023-01-01 0 days 1,459 sqft
2023-02-01 0 days 1,342 sqft
2023-03-01 0 days 1,427 sqft
2023-04-01 0 days 1,594 sqft
2023-05-01 0 days 1,620 sqft
2023-06-01 0 days 1,656 sqft
2023-07-01 0 days 1,640 sqft
2023-08-01 0 days 1,685 sqft
2023-09-01 0 days 1,594 sqft
2023-10-01 0 days 1,574 sqft
2023-11-01 0 days 1,689 sqft
2023-12-01 0 days 1,710 sqft
2024-01-01 0 days 1,598 sqft
2024-02-01 0 days 1,588 sqft
2024-03-01 0 days 1,594 sqft
2024-04-01 0 days 1,572 sqft
2024-05-01 0 days 1,725 sqft
2024-06-01 0 days 1,700 sqft
ST. JOSEPH's median listing age (time on market) for 2024-06-01 was 0 days.

ST. JOSEPH's median square footage for active listings during the 2024-06-01 period was 1,700 sqft. One year prior, the average listing was 1,656 sqft.

ST. JOSEPH, MO-KS Average Rent (2023)

Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
64401 St. Joseph, MO-KS MSA $590 $670 $880 $1,140 $1,230
64421 St. Joseph, MO-KS MSA $720 $820 $1,080 $1,400 $1,510
64422 St. Joseph, MO-KS MSA $560 $640 $830 $1,080 $1,170
64423 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
64427 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
64429 St. Joseph, MO-KS MSA $720 $810 $990 $1,300 $1,460
64430 St. Joseph, MO-KS MSA $530 $610 $800 $1,040 $1,120
64436 St. Joseph, MO-KS MSA $630 $680 $900 $1,190 $1,270
64439 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
64440 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
64443 St. Joseph, MO-KS MSA $590 $670 $870 $1,130 $1,230
64444 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
64448 St. Joseph, MO-KS MSA $550 $630 $830 $1,080 $1,160
64449 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
64454 St. Joseph, MO-KS MSA $710 $800 $940 $1,240 $1,430
64455 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
64457 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
64459 St. Joseph, MO-KS MSA $560 $640 $840 $1,090 $1,180
64463 St. Joseph, MO-KS MSA $570 $650 $850 $1,100 $1,190
64469 St. Joseph, MO-KS MSA $570 $650 $850 $1,100 $1,190
64474 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
64480 St. Joseph, MO-KS MSA $560 $630 $830 $1,070 $1,160
64483 St. Joseph, MO-KS MSA $550 $620 $810 $1,050 $1,140
64484 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
64485 St. Joseph, MO-KS MSA $580 $650 $860 $1,120 $1,210
64490 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
64494 St. Joseph, MO-KS MSA $570 $650 $850 $1,100 $1,180
64497 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
64501 St. Joseph, MO-KS MSA $550 $620 $820 $1,060 $1,150
64502 St. Joseph, MO-KS MSA $600 $680 $900 $1,170 $1,260
64503 St. Joseph, MO-KS MSA $660 $750 $990 $1,280 $1,390
64504 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
64505 St. Joseph, MO-KS MSA $630 $710 $940 $1,220 $1,320
64506 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
64507 St. Joseph, MO-KS MSA $620 $700 $920 $1,190 $1,290
64508 St. Joseph, MO-KS MSA $600 $680 $900 $1,170 $1,260
64670 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
66002 St. Joseph, MO-KS MSA $690 $790 $930 $1,230 $1,420
66008 St. Joseph, MO-KS MSA $540 $600 $790 $1,020 $1,120
66017 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
66024 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
66035 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
66041 St. Joseph, MO-KS MSA $550 $620 $820 $1,060 $1,150
66087 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
66090 St. Joseph, MO-KS MSA $600 $680 $900 $1,170 $1,260
66094 St. Joseph, MO-KS MSA $530 $600 $790 $1,020 $1,110
66532 St. Joseph, MO-KS MSA $700 $800 $1,050 $1,360 $1,470

2022 Average & Median Rent Data Statistics
ST. JOSEPH, MO-KS average 1BR rent: $683, median: $670
ST. JOSEPH, MO-KS average 2BR rent: $878, median: $880
ST. JOSEPH, MO-KS average 3BR rent: $1,142, median: $1,140

ST. JOSEPH, MO-KS Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,353 $256,465,000 $189,553
Refi 232 $36,310,000 $156,509
Cash Out Refi 222 $32,120,000 $144,685
Other 127 $8,715,000 $68,622
Home Improvement 121 $8,585,000 $70,950

St. Joseph's most frequently cited loan purpose was Home Purchase, with 1,353 originations. The 2nd most popular reason was Refi, with 232 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
6-7% 704 $117,770,000 $167,287
7-8% 501 $84,015,000 $167,695
Over 8% 217 $27,825,000 $128,226
5-6% 128 $23,440,000 $183,125
2.5-3% 24 $1,820,000 $75,833
<2.5% 21 $21,335,000 $1,015,952
4-5% 13 $2,365,000 $181,923
3-4% 3 $385,000 $128,333

During 2023, St. Joseph's most frequently originated rate bucket was 6-7%, with 704 originations.

Loan Sizing (ST. JOSEPH, MO-KS MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 795 $114,935,000 $144,572
$100,000 or less 761 $42,465,000 $55,802
$200k-400k 427 $113,565,000 $265,960
$400k-600k 51 $23,585,000 $462,451
$600k-1000k 15 $10,805,000 $720,333
$Over $1MM 6 $36,840,000 $6,140,000

ST. JOSEPH's loan sizing saw the bucket of loans from $100k-200k with 795 originations, totaling $114,935,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 865 $165,025,000 $190,780
60-80% 368 $64,730,000 $175,897
Under 20% 176 $8,350,000 $47,443
40-60% 112 $14,730,000 $131,518
20-40% 106 $6,960,000 $65,660
Over 100% 26 $26,700,000 $1,026,923

ST. JOSEPH's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 865 originations, totaling $165,025,000 in origination value.