Saint Jo, Texas.
Typical home $277,237 (+1.3% in a year). Gainesville, TX metro.
to buy the typical home at today's mortgage rate — +$621 (+74%) since Jan 2020.
- 1 year
- Up $3,445 +1%
- $273,792$277,237 since Sep 2025
- 5 years
- Down $15,044 -5%
- $292,281$277,237 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.
- Saint Jo$1,455
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Saint Jo, TX rose 1.3% over the past year — in step with the nation.
Living in Saint Jo, Montague County, Texas
Saint Jo is a city of 881 people in Montague County. Unemployment in Montague County was 4.6% in August 2026, and the county had 2.1% fewer jobs in 2025 than the year before. The most residents work in manufacturing, then restaurants and hotels.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Saint Jo is a small city in Montague County, in north Texas, with a population that is a good deal smaller than most places people call towns. Residents are younger on average than in many small communities, and fewer adults hold a four-year degree than in the country as a whole. Homes here are priced well above what the county's incomes might suggest, which is worth knowing before a move.
Work. Residents work mostly in manufacturing, in restaurants, hotels and entertainment, in schools, hospitals and social care, and in farming, forestry and mining. Across Montague County, the largest workplaces include Bowie ISD, Walmart and Nocona General Hospital. The county has lost some jobs over the past year, and unemployment there is a little lower than it was a year ago. Commutes are somewhat longer than many people expect, and very few residents work from home.
Things to do. The Stonewall Saloon is a museum in or beside town, and the easiest place to start. A longer drive brings you to Lake Nocona, a reservoir, and the Lyndon B. Johnson National Grassland, a large protected area. The Frank Buck Zoo is also a longer drive away. Winters are mild to cold and summers are hot, with a moderate amount of rain and melted snow through the year.
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- 360households
- 20%of adults have a degree
- 15%below the poverty line
- 26 mintypical commute
- 2%work from home
What residents work in
Employed residents by industry, from the Census survey. Montague County had 4,821 jobs in 2025, 2.1% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 54° and lows near 30°; warmest in August, with highs near 96° and lows near 72°. About 35 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bonita 7NW weather station, 15 miles away (NOAA).
Largest workplaces in Montague County
- Bowie ISDSchool district238FTE
- WalmartWarehouse clubs and supercenters210
- Nocona ISDSchool district148FTE
- WL Plastics - BowieFittings and unions, rigid plastics pipe, manufacturing93
- Nocona General HospitalGeneral hospital89FTE
- Hall ResourcesWater well drilling, digging, boring or sinking65
- Coppell Construction CompanyBridge construction60
- Saint JO ISDSchool district56FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 7 workplaces with 20 or more staff, 541 people in all across the county; Saint Jo has two of its own. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- DroughtRelatively high
- Ice stormsRelatively high
- Strong windRelatively high
- Heat wavesRelatively high
- WildfireRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Jo’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Montague County and the Gainesville, TX metro.
Saint Jo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Jo$277,237
- Texas$296,424
- United States$366,157
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Jo8
Zip codes with a Saint Jo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Jo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.