Saint Joseph, Illinois.
Typical home $294,377 (+6.0% in a year). Champaign-Urbana, IL metro.
to buy the typical home at today's mortgage rate — +$796 (+106%) since Jan 2020.
- 1 year
- Up $16,596 +6%
- $277,782$294,377 since Sep 2025
- 5 years
- Up $67,523 +30%
- $226,854$294,377 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 Joseph$1,545
- Illinois$1,553
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Saint Joseph, IL rose 6.0% over the past year — faster than the nation's +1.2%.
Living in Saint Joseph, Champaign County, Illinois
Saint Joseph is a village of 3,810 people in Champaign County. 85% of its homes are lived in by their owners and 15% are rented. Unemployment in Champaign County was 3.9% in August 2026, and the county had 0.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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 It can be wrong or out of date.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 Joseph is a village in Champaign County, a small place where nearly all homes are lived in by their owners, a much higher share than across the county as a whole. Fewer residents live in poverty than in most of the country, and about as many adults hold a four-year degree as you might expect this close to a university town. Winters are cold, with January the coldest month, and snowfall is real but not extreme. Summers are warm in July, and rain and melted snow arrive in fairly generous amounts through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, banks, insurance and property, and restaurants, hotels and entertainment. Among the largest workplaces in Saint Joseph are Pioneer Hi-Bred International, which processes seed, and the local school districts, including St Joseph CCSD Schools. Across Champaign County, jobs grew only slightly last year, and unemployment is lower than it was a year earlier.
Things to do. Among the best known nearby places, a short drive away, are the University of Illinois Arboretum, a botanical garden, and the Krannert Center for the Performing Arts, a theatre. The Spurlock Museum is also a short drive away. For a day outdoors, Kickapoo State Recreation Area, a protected area, is a longer drive.
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- 1,462households
- 35%of adults have a degree
- 4%below the poverty line
- 25 mintypical commute
- 17%work from home
What residents work in
Employed residents by industry, from the Census survey. Champaign County had 95,049 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 34° and lows near 18°; warmest in July, with highs near 84° and lows near 65°. About 25 inches of snow and 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Ogden weather station, 4 miles away (NOAA).
Largest workplaces in Saint Joseph
- Pioneer Hi-Bred InternationalSeed processing, post-harvest for propagation84
- St Joseph CCSD 169School district76FTE
- St Joseph Ogden CHSD 305School district74FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 1 workplace with 20 or more staff, 84 people in all. School districts come from the Common Core of Data (NCES, 2023–24); 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
- Cold wavesRelatively high
- Winter weatherRelatively high
- Inland floodingRelatively high
- HailRelatively moderate
- TornadoesRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Saint Joseph’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 Champaign County and the Champaign-Urbana, IL metro.
Saint Joseph home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Saint Joseph$294,377
- Illinois$295,943
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Saint Joseph listings — the market is roughly in balance.
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
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
Not enough data to draw this yet.
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Saint Joseph19
New listings per month
Sellers arriving at the market.
- Saint Joseph8
Zip codes with a Saint Joseph address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Saint Joseph — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.