ZIP Code 64504 — Saint Joseph, MO Home Prices (2026)
The typical home in ZIP 64504 (Saint Joseph, Missouri) is worth about $137,000 at roughly $114 per square foot — 22% more affordable than the Saint Joseph median and 53% more affordable than the typical U.S. home.
How 64504 compares
ZIP 64504 is one of the more affordable ZIP codes in Saint Joseph: its typical home value of $137,000 ranks #5 of the 6 Saint Joseph ZIP codes we track (the citywide range runs from $132,000 in 64501 to $284,000 in 64506). Per square foot it costs about $114, against $129 for Saint Joseph as a whole, $160 for Missouri, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 64504 | $137,000 | $114 |
| Saint Joseph, MO | $175,000 | $129 |
| Missouri | $247,000 | $160 |
| United States | $294,000 | $195 |
Home value by size in 64504
Using this ZIP’s rate of about $114 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $114,000 |
| 1,500 sq ft | $171,000 |
| 2,000 sq ft | $228,000 |
| 2,500 sq ft | $285,000 |
| 3,000 sq ft | $342,000 |
Salary needed to buy a home in ZIP 64504
To buy the typical $137,000 home in ZIP 64504 with 20% down, you need a household income of roughly $37,000 a year (about $870 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $44,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $6,900 | $1,080/mo | $46,000/yr |
| 10% (+PMI) | $13,700 | $1,030/mo | $44,000/yr |
| 20% | $27,400 | $870/mo | $37,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 64504
At about $114 per square foot, here is roughly how much home different budgets get you in ZIP 64504:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1320 sq ft | around the typical home here |
| $200k | 1750 sq ft | above the median — larger homes or the pricier ZIPs |
| $250k | 2190 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2630 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 64504 home.
Estimate a specific home in 64504
The estimator below is pre-set to ZIP 64504 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Saint Joseph ZIP codes by home value
Where 64504 sits among Saint Joseph’s 6 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 64506 | $284,000 | $154 |
| 2 | 64505 | $226,000 | $122 |
| 3 | 64503 | $179,000 | $135 |
| 4 | 64507 | $171,000 | $135 |
| 5 | 64504 (this page) | $137,000 | $114 |
| 6 | 64501 | $132,000 | $113 |
ZIP 64504 home prices: frequently asked
What is the average home price in ZIP code 64504? +
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See the full Saint Joseph home values page, all Missouri cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.