St. Joseph: Housing & Real Estate
Homes in St. Joseph carry a median value of $299,000 (estimated market value runs 7% higher at $320,445), with median rent $1,081 (1.2× higher than Berrien County median $885; 1.1× higher than Michigan median $1,027). Homeownership rate: 58.0%. That's 1.5× higher than the Berrien County median ($193,600); 1.4× higher than the Michigan median ($206,419). Market is warm. Vacancy rate 18.2%. New construction makes up 2.4% of stock. 1 nursing facility on file. A municipal building code is in effect.
- 3.6× annual income — home value vs. household income (vs Michigan 2.8×).
- 23.0 years to break even renting at the median (vs Michigan 17y).
- 4-BR rent is 1.9× a studio — rent gradient by unit size.
- Median rent 8% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $299,000 — 1.4× the Michigan median ($206,419). Median rent $1,081/month. homeownership rate 58.0% — below the U.S. share of ~65%.
| Affordability · Price To Income Ratio | 3.6× |
|---|---|
| Affordability · Rent To Income Pct | 15.4% |
| Affordability · Affordable | Yes |
| Affordability · Interpretation | affordable |
| Fair Market Rent · Studio rent | $816 |
| Fair Market Rent · One-bedroom rent | $902 |
| Fair Market Rent · Two-bedroom rent | $1,184 |
| Fair Market Rent · Three-bedroom rent | $1,556 |
| Fair Market Rent · Four-bedroom rent | $1,568 |
| Fair Market Rent · HUD FMR area | Niles, MI MSA |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $320,445 |
| Median Home Value | $299,000 (vs Michigan $206,419) |
| Median Rent | $1,081 (vs Michigan $1,027) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 18.2% |
| Housing Market · New construction (% of stock) | 2.4% |
| Housing Market · Price Appreciation 2Yr | 10.3% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (2)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 59.2% |
| Broadband · Broadband-capable premises | 5,443 |
| Electricity · Electricity rate (¢/kWh) | 19.30¢/kWh |
| Electricity · Customers | 4,516,367 |
| Electricity · Revenue Millions | $6,466 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 71% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 3 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Charging & Mobility
| Ev Charging · Stations | 1 |
|---|---|
| Ev Charging · Public Stations | 1 |
| Ev Charging · Dc Fast Ports | 8 |
Sources: DOE AFDC API
Other
| Homeownership Rate | 58.0% |
|---|---|
| Median Year Built | 1953 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12