RentData

Average Rent in St. Joseph, KS Rents rising 7.4% YoY🔺 5th priciest in KS

HUD FY2025 · Official government data · Updated annually · Metro pop. 120,609

Data review: HUD FY2025Sources: HUD, Zillow, CensusMethodologyEditorial standardsReport a correction

Market Overview

St. Joseph, KS has rental prices ranging from $710/month to $1,472/month in 2025, depending on unit size. The typical 1-bedroom apartment rents for $789/month — 44% below the national average of $1,400/month. With a median household income of $62,900/year, spending $789/month on a 1-bedroom represents 15% of gross income — within the recommended 30% threshold.

How St. Joseph Compares

With an average 2-bedroom rent of $1,035/month, St. Joseph ranks #5 most expensive of the 96 cities tracked in Kansas — pricier than 69% of all US cities in our data.

The St. Joseph Rental Market

The St. Joseph, KS area has a population of about 120,609 and 32% of households renting rather than owning. That is close to the US average renter share of ~34%.

Rent Trends

2-bedroom rents in St. Joseph, KS have risen by $71/month (7.4%) over the past year, from $964 to $1,035. This modest growth is consistent with broader inflationary trends seen across US rental markets.

Affordability

To afford a 1-bedroom apartment in St. Joseph, KS without exceeding the 30% housing cost guideline, a renter needs an annual income of approximately $31,560. The local median household income of $62,900 exceeds that threshold by $31,340, making St. Joseph relatively accessible compared to local wages.

Fair Market Rents

HUD FY2025
Studio
$710
Affordable
1 Bedroom
$789
Affordable
2 Bedrooms
$1,035
7.4% YoY
Affordable
3 Bedrooms
$1,315
Affordable
4 Bedrooms
$1,472
Affordable
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Is St. Joseph, KS Affordable?

Income needed to rent or buy, price history, and how this city compares to nearby metros.

Affordability Index(30% income rule)

To rent a 2BR
$41,400/year
Local median income: $62,900
To buy a median home
/year
US national median: $75,000
💡 Based on a 2BR rent of $1,035/month and 20% down on a home at 7% rate.

Nearby Cities in KSlargest metros in the state

CityStudio1BR2BR3BRHome Value
Kansas City$1,074$1,183$1,346$1,756
Wichita$690$760$995$1,305
Topeka$747$752$985$1,280
Geary County$753$758$994$1,393
Manhattan$808$813$995$1,359
Lawrence$846$955$1,138$1,595

Rent or Buy in St. Joseph?

Break-even analysis and mortgage estimates based on local market data.

Should I Rent or Buy?

Break-even analysis using real St. Joseph data

$
Home Value
$350,000
2BR Rent
$1,035/mo
Mortgage Rate
7%
Monthly P&I
$1,863/mo
🏠 Buy

Buying breaks even after 4 years — worth it if you stay 4+ years.

Total monthly buy cost: $2,577/movs rent: $1,035/mo
Estimates only. Excludes HOA, PMI (if <20% down), closing costs, and tax benefits. Assumes 5% return on invested down payment.

Living in St. Joseph

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Frequently Asked Questions

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🏘️Neighborhoods in St. Joseph

Compare rent & home prices by neighborhood

💵Rent Affordability in St. Joseph

Salary needed to afford rent here

🗺️All Cities in KS

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⚖️Compare St. Joseph

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📋KS Tenant Rights

Deposit limits, eviction laws & renters protections