St. Joseph: Economy & Jobs
$57,956 is the median household income in St. Joseph (1.1× below Buchanan County median $62,158; 1.2× below Missouri median $72,119), with homes at a median value of $154,200. The surrounding county supports 45,842 jobs (avg $58,558).
- $62,140 avg taxable income per return — similar than the median household income.
Income & Affordability
Median household income $57,956 — below the Missouri median ($72,118). Poverty rate 17.7% (U.S. average ~12.5%). 41% of renters spend more than half their income on rent ("severely cost-burdened" by HUD definition; U.S. ~24%).
| Affordability · Home Price To Income | 2.7× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 18.3% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 41.3% |
| Affordability · Poverty Rate | 17.7% |
| Affordability · Property Tax Pct Income | 2.1% |
| Irs Income · IRS tax returns filed | $38,800 |
| Irs Income · Total Adjusted Gross Income (thousands) | $2,411,032 |
| Irs Income · Average AGI per return | $62,140 |
| Irs Income · Year | 2022 |
| Income Estimate | $63,332 |
| Median Household Income | $57,956 (vs Missouri $72,119) |
| Poverty Rate | 17.7% |
Sources: IRS SOI 2022 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Economic Character
Qualitative classification derived from Census occupation, industry, and income data — workforce composition (white-collar/blue-collar), top employing sector, and income tier.
| Economic Character · Workforce | mixed |
|---|---|
| Economic Character · Top Industry | Education Healthcare |
| Economic Character · Income Level | middle-class |
| Economic Character · Median Income | $57,956 |
Employment & Workforce
Employment + workforce stats. The county-level employment count covers all jobs within the county, not just town residents. Unemployment rate 2.6% — below the U.S. average of ~4%. 7% work from home (U.S. average ~15%).
| Commuter Profile · Mean Commute Min | 17.00 |
|---|---|
| Commuter Profile · Work From Home Pct | 7.1% |
| Commuter Profile · Profile | short commute |
| Employment · Avg annual employment (county) | 45,842 |
| Employment · Total annual wages (county) | $2,684,401,514 |
| Employment · Average annual pay | $58,558 |
| Employment · Year | 2024 |
| State Occupation Wages · Year | 2023 |
| State Occupation Wages · All Occupations · Soc Code | 00-0000 |
| State Occupation Wages · All Occupations · Title | All Occupations |
| State Occupation Wages · All Occupations · Employment | 2,876,400 |
| Unemployment Rate | 2.6% (vs Missouri 4.3%) |
Sources: BLS QCEW 2023 · BLS Occupational Employment and Wage Statistics (OES) · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Industry Sectors
Major industries by establishment count from Census County Business Patterns (2022). Sectors are NAICS-coded; counts are county-wide employer establishments.
| Agriculture · Total Farms | 195 |
|---|---|
| Agriculture · Land In Farms Acres | 5,523 |
| Agriculture · Avg Farm Size Acres | 28.30 |
| Agriculture · Top Commodities | Crop Totals, Grain, Corn, Soybeans, Animal Totals |
| Agriculture · Year | 2022 |
| Business Patterns · Establishments (employer count) | 2,074 |
| Business Patterns · Total Employees | 42,332 |
| Business Patterns · Annual Payroll Thousands | 2,244,313 |
| Business Patterns · Year | 2022 |
Sources: USDA NASS Census 2022 — county FIPS matched · Census CBP API — county FIPS match
Local Business Mix
Retail and service businesses by category (Census CBP NAICS-coded). Counts cover the surrounding county, not just the town. Reflects the everyday commercial mix residents can access.
| Local Businesses · Grocery Stores | 15 |
|---|---|
| Local Businesses · Convenience Stores | 5 |
| Local Businesses · Gas Stations | 38 |
| Local Businesses · Department Stores | 3 |
| Local Businesses · General Merchandise | 17 |
| Local Businesses · Clothing Stores | 6 |
| Local Businesses · Pet Stores | 3 |
| Local Businesses · Electronics Stores | 5 |
Sources: Census CBP — NAICS detail codes
Dining Scene
Eating + drinking establishments by NAICS category (Census CBP 2022) — full-service restaurants, fast-food, bars, coffee shops. County-level counts.
| Dining Scene · Full Service Restaurants | 54 |
|---|---|
| Dining Scene · Fast Food | 84 |
| Dining Scene · Bars | 19 |
| Dining Scene · Coffee Snacks | 19 |
Sources: Census CBP NAICS 722
Banking
FDIC-insured bank branches with addresses. Branch density correlates with population — fewer branches per resident in lower-density areas.
Branches (8)
SNAP & Food Access
USDA-authorized SNAP retailers — supermarkets, super stores, convenience stores, and other locations where SNAP benefits can be redeemed. Per-1K density tracks food access.
Sample (4)
| Nearest Snap · Name | CVS Pharmacy 10506 |
|---|---|
| Nearest Snap · Total In Area | 4 |
Chamber of Commerce
IRS-registered chamber of commerce organizations matched to this town. Reflects the IRS Exempt Organizations BMF; some chambers operate informally and may not appear here.
| Chamber Of Commerce · Name | ST JOSEPH AREA CHAMBER OF COMMERCE |
|---|
Sources: IRS EO BMF · Refreshed 2026-04-12
Spending & Tax
Federal spending flowing to the surrounding county — direct payments, grants, contracts, loans (USAspending.gov).
| Federal Spending · Federal Spending Fy2024 | $518,081,736 |
|---|---|
| Federal Spending · Per Capita | 6,109.96 |
| Federal Spending · Population | 84,793 people |
Sources: USAspending API
Other
| Pct Drove Alone | 79.0% |
|---|---|
| Pct Public Transit | 1.2% |
| Pct Walked | 7.1% |
| Retirement Score · Median age | 38.1 years (vs Missouri 39.2y) |
| Retirement Score · Ss Household Pct | 32.7% |
| Retirement Score · Hospitals Nearby | 2 |
| Retirement Score · Va Access | Yes |
| Retirement Score · Factors | strong SS base, hospital access, VA nearby |
| Retirement Score · Rating | good |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12