St. Joe: Housing & Real Estate
$87,100 is the median home value in St. Joe, with median rent $805 (about the same as DeKalb County median $783; 1.2× below Indiana median $972). Homeownership rate: 77.8%. That's 1.8× below the DeKalb County median ($157,700); 2.2× below the Indiana median ($189,322). Market is cold. Vacancy rate 17.4%. New construction makes up 0.5% of stock. A municipal building code is in effect.
- 1.6× annual income — home value vs. household income (vs Indiana 2.6×).
- 9.0 years to break even renting at the median (vs Indiana 16y).
- 4-BR rent is 1.8× a studio — rent gradient by unit size.
- Median rent 16% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $87,100 — 0.5× the Indiana median ($189,321). Median rent $805/month. homeownership rate 77.8% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 1.6× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 15.3% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 20.7% |
| Affordability · Poverty Rate | 12.7% |
| Affordability · Property Tax Pct Income | 0.9% |
| Fair Market Rent · Studio rent | $688 |
| Fair Market Rent · One-bedroom rent | $732 |
| Fair Market Rent · Two-bedroom rent | $960 |
| Fair Market Rent · Three-bedroom rent | $1,195 |
| Fair Market Rent · Four-bedroom rent | $1,271 |
| Fair Market Rent · HUD FMR area | DeKalb County, IN |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $91,221 |
| Median Home Value | $87,100 (vs Indiana $189,322) |
| Median Rent | $805 (vs Indiana $972) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | cold |
|---|---|
| Housing Market · Vacancy rate | 17.4% |
| Housing Market · New construction (% of stock) | 0.5% |
| Housing Market · Price Appreciation 2Yr | 2.0% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (1)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 0.0% |
| Broadband · Broadband-capable premises | 225 |
| Electricity · Electricity rate (¢/kWh) | 14.77¢/kWh |
| Electricity · Customers | 3,056,216 |
| Electricity · Revenue Millions | $4,880 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 89% |
| Mobile Home Parks Detail · County total | 2 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 77.8% |
|---|---|
| Median Year Built | 1953 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12