St. Joseph: Housing & Real Estate
Homes in St. Joseph carry a median value of $171,300 (estimated market value runs 32% higher at $225,261), with median rent $631 (1.1× below Lawrence County median $715; 1.7× below Tennessee median $1,048). Homeownership rate: 80.3%. That's 1.1× higher than the Lawrence County median ($156,500); 1.4× below the Tennessee median ($244,708). Market is warm. Vacancy rate 11.7%. New construction makes up 9.6% of stock. A municipal building code is in effect.
- 3.5× annual income — home value vs. household income (vs Tennessee 3.4×).
- 22.6 years to break even renting at the median (vs Tennessee 19y).
- 4-BR rent is 1.7× a studio — rent gradient by unit size.
- Median rent 32% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $171,300 — 0.7× the Tennessee median ($244,708). Median rent $631/month. homeownership rate 80.3% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 3.5× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 15.3% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 32.3% |
| Affordability · Poverty Rate | 13.8% |
| Affordability · Property Tax Pct Income | 2.1% |
| Fair Market Rent · Studio rent | $711 |
| Fair Market Rent · One-bedroom rent | $716 |
| Fair Market Rent · Two-bedroom rent | $939 |
| Fair Market Rent · Three-bedroom rent | $1,126 |
| Fair Market Rent · Four-bedroom rent | $1,243 |
| Fair Market Rent · HUD FMR area | Lawrence County, TN |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $225,261 |
| Median Home Value | $171,300 (vs Tennessee $244,708) |
| Median Rent | $631 (vs Tennessee $1,048) |
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 | warm |
|---|---|
| Housing Market · Vacancy rate | 11.7% |
| Housing Market · New construction (% of stock) | 9.6% |
| Housing Market · Price Appreciation 2Yr | 40.5% |
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 | 75.2% |
| Broadband · Broadband-capable premises | 521 |
| Electricity · Electricity rate (¢/kWh) | 12.42¢/kWh |
| Electricity · Customers | 3,166,103 |
| Electricity · Revenue Millions | $5,445 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 87% |
| 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 | 80.3% |
|---|---|
| Median Year Built | 1969 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12