Metro area index
Home appreciation in the St. Joseph, MO-KS metro area
FHFA HPI® data shows the St. Joseph, MO-KS metro area's all-transactions index changed +2.7% over the year to Q2 2026, versus +3.6% for Missouri and +3.0% for the U.S. That ranks 242nd of 410 metro areas and divisions FHFA tracks.
- 1-year change
- +2.7%
- 5-year change
- +51.3%
- Since Q1 1995
- +246%
- Metro rank (1 year)
- 242nd
U.S. +3.0%
U.S. +41.3%
U.S. +292%
of 410
St. Joseph, MO-KS vs Missouri and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- St. Joseph, MO-KS: 346.4
- Missouri: 344.5
- United States: 391.6
Appreciation by time window
| Window | Metro | MO | U.S. | Gap vs MO | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +2.7% | +3.6% | +3.0% | −0.9 pts | −0.3 pts |
| 3 years | +19.3% | +14.8% | +12.9% | +4.5 pts | +6.4 pts |
| 5 years | +51.3% | +44.2% | +41.3% | +7.1 pts | +10.0 pts |
| 10 years | +87.9% | +95.0% | +93.3% | −7.1 pts | −5.5 pts |
| Since Q1 1995 | +246% | +244% | +292% | +2.0 pts | −45.1 pts |
3-digit ZIP regions in the St. Joseph, MO-KS area
Regions with at least 10% of their 2010 population inside the metro, largest overlap first. A 3-digit ZIP region can extend beyond the metro boundary.
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 | Population in metro |
|---|---|---|---|---|---|
| 645 · St. Joseph, MO area | MO | +3.8% | +54.3% | +236% | 100% |
| 644 · Maryville, MO area | MO | +2.7% | +51.3% | +246% | 31% |
Boom, bust, and recovery in St. Joseph, MO-KS area
St. Joseph, MO-KS area's index peaked in Q2 2007, fell 10.5% to its low in Q2 2011, and regained its peak in Q3 2015, about 8.2 years after the top. Today it sits +91.6% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| Metro | Q2 2007 | Q2 2011 | -10.5% | Q3 2015 (8.2 yrs) | +91.6% |
| MO | Q2 2007 | Q2 2011 | -11.0% | Q3 2016 (9.2 yrs) | +92.5% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, St. Joseph, MO-KS area's index has changed +56.5% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | Metro after inflation | MO after inflation | U.S. after inflation |
|---|---|---|---|---|
| 1 year | +3.9% | -1.1% | -0.2% | -0.8% |
| 3 years | +9.8% | +8.7% | +4.6% | +2.8% |
| 5 years | +24.0% | +21.9% | +16.3% | +13.9% |
| 10 years | +39.1% | +35.1% | +40.2% | +39.0% |
| Since Q1 1995 | +121% | +56.5% | +55.6% | +76.8% |
If you bought in the St. Joseph, MO-KS area in…
An example $300,000 purchase grown at the metro index rate to Q2 2026.
| Bought in | Index change | $300,000 then, at the metro rate |
|---|---|---|
| Q2 1995 | +238% | $1,013,575 |
| Q2 2000 | +159% | $777,410 |
| Q2 2005 | +102% | $606,017 |
| Q2 2010 | +97.2% | $591,464 |
| Q2 2015 | +99.6% | $598,790 |
| Q2 2020 | +65.5% | $496,641 |
| Q2 2021 | +51.3% | $453,772 |
| Q2 2023 | +19.3% | $357,930 |
| Q2 2025 | +2.7% | $308,102 |
Frequently asked questions
- How much have home prices risen in the St. Joseph, MO-KS area?
- FHFA HPI® data for the St. Joseph, MO-KS metro area shows changes of +2.7% over one year, +51.3% over five years, and +87.9% over ten years to Q2 2026, and +246% since Q1 1995.
- Is the St. Joseph, MO-KS area beating the national average?
- Over the past year the metro's index moved −0.3 pts versus the U.S.; over five years the gap is +10.0 pts.
- What area does this metro index cover?
- FHFA computes metro indexes using the counties in each OMB-defined metropolitan statistical area. The index covers the whole area, so individual neighborhoods and homes can differ from it.