salaryRent is lower than in 66% of U.S. cities. A typical house costs under 3 years of household income, which is easy by U.S. standards. Commutes are short, about 18.8 minutes.
How much money do I need?
To rent here comfortably, you should earn about $54,280 a year. That is $26 an hour at a full-time job.
Is rent cheaper than other Minnesota cities?
Yes. Rent here is cheaper than in most of Minnesota. It is number 49 of 150 cities from cheapest to most expensive.
How much do households earn in St. Joseph?
Share of households by yearly income. 26.7% of households earn $100,000 or more.
Rent by apartment size in St. Joseph
| Size | St. Joseph | U.S. average |
|---|---|---|
| 1 bedroom | $1,157 | $1,324 |
| 2 bedrooms | $1,224 | $1,509 |
| 4 bedrooms | $1,910 | $2,098 |
Median monthly rent plus utilities for all renters, by number of bedrooms.
How expensive is St. Joseph overall?
Everyday prices in Minnesota overall are 1% below the U.S. average (index 98.6, U.S. = 100).
Source: U.S. Bureau of Economic Analysis, Regional Price Parities 2024. City-level data is not published for St. Joseph, so the Minnesota figure is shown.
Taxes and bills in St. Joseph
Life in St. Joseph
Is it cheaper to rent or buy in St. Joseph?
Renting is cheaper right now: about $292 a month less.
Owning assumes a typical $237,700 home, 10% down, a 30-year loan at 6.5% and about 1.5% a year for taxes and insurance. You would also need $23,770 for the down payment.
Frequently asked questions
What is the average rent in St. Joseph, MN?
Renting in St. Joseph costs a median of about $1,357 a month in 2026, including utilities. The Minnesota median is $1,525.
How much do I need to make to live in St. Joseph?
To keep rent under 30% of income, you need about $54,280 a year, or $26 an hour at a full-time job.
Is St. Joseph cheap or expensive?
St. Joseph is rated OK: rent takes 20.1% of the typical household income of $80,829. It ranks 49th cheapest of 150 Minnesota cities we track.
How much are property taxes in St. Joseph?
The median homeowner in St. Joseph pays $2,242 a year in property taxes, about 0.94% of the median home value.
Is St. Joseph more expensive than the national average?
Overall prices in Minnesota are 1% below the U.S. average, according to the U.S. Bureau of Economic Analysis.
How much does a house cost in St. Joseph?
The median home value in St. Joseph is $237,700, about 2.9 times the typical yearly household income.
7,021 people live in St. Joseph. Numbers are typical (middle) values.