Rent in St. Joseph, MO at a glance
2-bedroom rent (HUD)
$1,077$12,924 a year · HUD fiscal year 2026From October 1, 2026: $1,101 (+2.2%)How much rent can you afford in St. Joseph, MO?
HUD’s fair market rent for each size, against what a typical household here earns. Change the income to see yours.
Rent in St. Joseph, MO by bedroom, and the pay it takes
Income needed keeps rent at 30% of gross pay; the hourly figure assumes one full-time job, 2,080 hours a year.
| Size | A month | A year | Income needed | Hourly wage needed |
|---|---|---|---|---|
| Studio | $774 | $9,288 | $30,960 | $14.88/hr |
| 1 bedroom | $832 | $9,984 | $33,280 | $16.00/hr |
| 2 bedroomsMost searched | $1,077 | $12,924 | $43,080 | $20.71/hr |
| 3 bedrooms | $1,363 | $16,356 | $54,520 | $26.21/hr |
| 4 bedrooms | $1,566 | $18,792 | $62,640 | $30.12/hr |
Cost of living in St. Joseph, MO: income, prices and a budget →
Living and working in St. Joseph, MO
Rent in St. Joseph, MO: common questions
How much is rent going up in St. Joseph, MO in 2027?
HUD's Fair Market Rent for fiscal 2027, which takes effect October 1, 2026, is $1,101 for a two-bedroom, up 2.2% from $1,077. A one-bedroom goes from $832 to $857, a studio from $774 to $850.
These are HUD's estimates of what a typical recently rented unit costs, used for housing vouchers. A landlord's increase on your lease follows your lease and your state's rules, not this figure.
What is the average rent in St. Joseph, MO?
HUD's Fair Market Rent for 2026 is $832 for a one-bedroom and $1,077 for a two-bedroom, utilities included. That is $12,924 a year for the two-bedroom.
It is not an average of current listings. HUD sets it at the rent 40% of recent movers paid or less for a standard unit, so asking rents on newer places usually run higher.
How much do you need to make to afford rent in St. Joseph, MO?
To keep a $1,077 two-bedroom at 30% of gross pay, one full-time worker needs $20.71 an hour, or $43,080 a year. A one-bedroom at $832 takes $16.00 an hour.
How much is a 1, 2 or 3-bedroom apartment in St. Joseph, MO?
At HUD's 2026 Fair Market Rent: studio $774, one bedroom $832, two $1,077, three $1,363 and four $1,566 a month.
Is rent affordable in St. Joseph, MO?
For the typical household, earning $57,956 a year ($4,830 a month, Census ACS), a two-bedroom at $1,077 takes 22.3% of income. Under 30% is the usual line for affordable; this is under it.
How is the income needed for rent worked out?
Rent for a year divided by 0.30, the share of gross income HUD treats as affordable: ($1,077 × 12) ÷ 0.30 = $43,080. Divided by 2,080 working hours, that is $20.71 an hour.