Rent by ZIP code in Saint Joseph
| ZIP code | County | Typical rent | vs city median |
|---|---|---|---|
| 64507 | Buchanan County | $1,250 | +10% |
| 64506 | Buchanan County | $1,199 | +6% |
| 64503 | Buchanan County | $1,073 | -6% |
| 64501 | Buchanan County | $902 | -21% |
Rent by bedroom count in Saint Joseph
Zillow's index above blends every unit size into one number. For a bedroom level view, these are HUD's FY2027 Fair Market Rents for Buchanan County. They include utilities and sit near the 40th percentile of the market, so treat them as the low side of what a typical unit lists for.
| Unit size | FY2027 Fair Market Rent | Change from FY2026 |
|---|---|---|
| Studio | $850 | +9.8% |
| 1 bedroom | $857 | +3.0% |
| 2 bedroom | $1,101 | +2.2% |
| 3 bedroom | $1,406 | +3.2% |
| 4 bedroom | $1,629 | +4.0% |
Source: HUD Fair Market Rents. Updates when HUD publishes a new fiscal year.
Is rent going up or down in Saint Joseph?
Typical rent across Buchanan County is $1,042 as of August 2026. That is up 2.8% from a year earlier.
| Year | Typical rent, Buchanan County | Change |
|---|---|---|
| 2022 | $848 | |
| 2023 | $921 | +8.6% |
| 2024 | $984 | +6.8% |
| 2025 | $1,033 | +4.9% |
| 2026 (through August) | $1,042 | +0.9% |
Zillow Observed Rent Index for the county, all home types, last published month of each year. Each row is compared with the end of the year before it.
Saint Joseph rent questions
- What is the average rent in Saint Joseph, MO?
- Typical asking rent in Saint Joseph is $1,136 a month as of July 2026, across 4 ZIP codes. By ZIP code it runs from $902 to $1,250.
- How much is rent for a 2 bedroom in Saint Joseph?
- HUD's FY2027 Fair Market Rent for a two bedroom in Buchanan County is $1,101 a month including utilities. A one bedroom is $857 and a three bedroom is $1,406. Fair Market Rent is set near the 40th percentile, so a typical unit lists somewhat higher.
- Is rent going up or down in Saint Joseph?
- Rent is rising. Typical rent in Buchanan County is $1,042 as of August 2026, up 2.8% from a year earlier.
- What is the cheapest ZIP code to rent in Saint Joseph?
- ZIP 64501 has the lowest typical asking rent in Saint Joseph at $902 a month, compared with $1,136 for the city overall.
- How much income do you need to rent in Saint Joseph?
- Most landlords look for gross income of about three times the rent. At the typical Saint Joseph rent of $1,136, that is about $3,408 a month, or $40,896 a year. This is a common screening rule of thumb, and individual landlords set their own.
How to use these numbers
These are Zillow Observed Rent Index values, a smoothed measure of typical asking rent for single family homes, condos, and apartments in each ZIP code. They describe what units are listed for, not what any specific unit will get. Condition, bedroom count, and the exact block all move the number.
If you are underwriting a purchase, use the ZIP figure rather than the city median, and then verify against live listings for the same bedroom count before you commit. Saint Joseph sits in the St. Joseph, MO-KS metro area.