St. Joseph County, IN

Comprehensive housing, income, and cost of living data for St. Joseph County, Indiana. Population: 272.4K.

Median Home Price
$223.3K

Based on 18 cities

Median Household Income
$64.9K

Annual household income

Price-to-Income Ratio
3.4x

Moderately affordable

Salary Needed to Buy
$57.9K

30-yr mortgage, 6.5% rate, 20% down

Housing & Finance

Annual Property Tax
$1,559

Average annual amount

Effective Tax Rate
0.70%

Property tax / home value

Monthly Housing Costs
Mortgage (P&I)$1,129
Property Tax$130
Insurance$93.04
Total Monthly$1,352
Historical Home Prices
2015
$96.9K
2016
$105.6K
+8.9%%
2017
$113.6K
+7.6%%
2018
$122.3K
+7.7%%
2019
$130.5K
+6.7%%
2020
$142.9K
+9.5%%
2021
$162.1K
+13.4%%
2022
$181.6K
+12.0%%
2023
$193.8K
+6.7%%
2024
$205.2K
+5.9%%
2025
$213.1K
+3.8%%
Source: County price history data via Zillow ZHVI

Demographics & Economics

Unemployment Rate
3.4%%

Below national average

Population Density
595

People per square mile

Homicide Rate
8.7

Medium (per 100K residents)

Political Lean (2020)
Competitive

D+0

Racial Demographics

White
69.6%
Black
12.4%
Hispanic
10.2%
Asian
2.5%
Two or More Races
4.6%

Source: Census ACS 2023. Hispanic/Latino ethnicity counted separately from race.

Climate & Environment

Average Temperature
50°F

Annual average

Sunny Days
170

Days per year

Annual Rainfall
39.9"

Inches per year

Natural Disaster Risk
High Risk

Score: 86/100

Frequently Asked Questions

What is the median home price in St. Joseph County, IN?

The median home price in St. Joseph County, Indiana is $223.3K. The price-to-income ratio is 3.4x, meaning the median home costs 3.4 times the median household income.

What salary do you need to buy a home in St. Joseph County?

Based on a 30-year mortgage at 6.5% with 20% down and the 28% debt-to-income rule, you need approximately $57.9K per year to buy the median home in St. Joseph County, IN. Monthly housing costs break down to $1,129 for mortgage, $130 for property tax, and $93.04 for insurance.

What is the property tax rate in St. Joseph County?

The effective property tax rate in St. Joseph County is 0.70%, which comes to approximately $1,559 per year on the median home.

What is the median household income in St. Joseph County?

The median household income in St. Joseph County, Indiana is $64.9K per year, based on Census Bureau American Community Survey data. The unemployment rate is 3.4%%.

Is St. Joseph County a good place to live?

St. Joseph County, Indiana has a population of 272.4K. Housing affordability is strong with a price-to-income ratio of 3.4x. The climate averages 50 degrees F with 170 sunny days per year. Compare St. Joseph County with other areas using our cost of living tools to find the best fit for your budget and lifestyle.