Zip lookup · MO

64504
Saint Joseph, Missouri.

Saint Joseph, Buchanan County, MO · St. Joseph, MO-KS metro · population 10,068

What it costs per month · 64504 $684/mo

to buy the typical home at today's mortgage rate — +$351 (+105%) since Jan 2020.

What the home itself did
1 year
Down $3,178 -2%
$133,449$130,271 since Sep 2025
5 years
Up $20,517 +19%
$109,754$130,271 since Sep 2021

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 64504 $684 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 64504$684
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 20 years.

Typical home values in zip 64504 fell 2.4% over the past year — slower than the nation's +1.2%.

Zillow also publishes an index for the city itself: Saint Joseph, MO — measured over the city limits, which is a different area from this zip.

Asking rent $1,200 as of Sep 2026
Typical home value $130,271 as of Sep 2026
-2.4%year on year

Asking rent — 64504

Against the St. Joseph, MO-KS metro and the national benchmark.

Not enough data to draw this yet.

Typical home value — 64504

Mid-tier homes, smoothed and seasonally adjusted.

$100,000 $200,000 $300,000 2018 2020 2022 2024 2026 64504 $130,271 St. Joseph $211,906 United States $366,157
$100,000 $200,000 $300,000 2018 2022 2026
  • 64504$130,271
  • St. Joseph$211,906
  • United States$366,157

Within 20 miles

Miles sorted ascending, activate to sort descending Zip activate to sort by Zip City activate to sort by City Population activate to sort by Population Rent activate to sort by Rent Home value activate to sort by Home value
5.6 66024 Elwood 815 — $112,238
5.7 64503 Saint Joseph 11,954 $1,048 $171,796
6.6 64501 Saint Joseph 10,689 $892 $125,539
7.4 66090 Wathena 2,380 — $190,368
7.4 64440 De Kalb 900 — $311,764
7.6 64448 Faucett 912 — $351,635
8.9 64507 Saint Joseph 13,991 $1,178 $167,508
9.3 64506 Saint Joseph 21,461 $1,007 $278,634
10.6 64484 Rushville 940 — $226,111
11.1 64401 Agency 1,757 — $330,857
11.7 64505 Saint Joseph 14,107 — $220,313
14.1 66008 Bendena 200 — $228,949
14.2 64439 Dearborn 1,537 — $332,762
14.5 64443 Easton 1,249 — $369,053
14.6 66087 Troy 2,027 — $172,392
15.3 66002 Atchison 13,276 — $173,177
15.4 64421 Amazonia 817 — $184,570
15.9 64098 Weston 3,311 — $376,094
16.5 64436 Cosby 873 — $341,697
17.8 64454 Gower 2,941 — $315,121
18.9 64018 Camden Point 981 — $342,664
19.1 64485 Savannah 7,998 — $267,779

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.