Median Income
$68,750
9% lower than US avg
Home Value
$146,900
48% lower than US avg
Bachelor's+
17.7%
47% lower than US avg
Median Rent
$483
58% lower than US avg
Obesity Rate
34.6%
8% higher than US avg
Unemployment
4.4%
22% higher than US avg
Poverty Rate
12.9%
4% higher than US avg
How St. Jo Compares to the U.S. Average (100% = U.S. avg)
People
Population876
Median Age34.4 yrs
Density811/mi²
Male / Female46% / 54%
Largest GroupWhite 96%
Veterans6.9%
Economy
B+
Median Income$68,750
Per Capita$23,850
Unemployment4.4%
Poverty12.9%
County GDP$798M
Commute26 min
Housing
A+
Home Value$146,900
Rent$483
Ownership69.3%
Zillow$319,502
Housing Units419
Rent Burden51.0%
Health
Obesity34.6%
Uninsured11.2%
Smoking16.0%
Depression26.8%
Heart Disease5.6%
Climate
Avg Temp64°F (18°C)
Rain38.3 in/yr
Elevation1,142 ft (348 m)
Education
C
Bachelor's+17.7%
High School+92.3%
Graduate+2.0%
School Score5.16
Community
2024 VoteR 89% / D 11%
Commute26 min
Broadband91.5%
EV Stations1
Libraries3
Is St. Jo a Good Place to Live?
Based on current data, St. Jo receives an overall livability score of 3.7 out of 5.0, earning a grade of B+. Key strengths include affordable housing. St. Jo offers a solid quality of life with a good balance of affordability, safety, and opportunity.
Economy & Jobs
The median household income in St. Jo is $68,750, roughly in line with the national average of $75,149. Unemployment stands at 4.4%, indicating a healthy job market. 12.9% of residents live in poverty, near the national average of 12.4%. Workers commute an average of 26 minutes.
Cost of Living & Housing
The median home value in St. Jo is $146,900, 48% below the national median / offering relatively affordable homeownership. Renters pay a median of $483 per month, below the national average / a plus for affordability. At just 2.1x median income, home prices are very affordable relative to local earnings.
Education
17.7% of residents hold a bachelor's degree, below the national average of 33.7%. 92.3% have completed high school. Area schools have an average test score of 5.2/10.
Climate & Weather
St. Jo enjoys a moderate climate with an average annual temperature of 64°F. Winters average 42°F in January while summers reach 84°F in July. Annual precipitation totals 38.3 inches.
St. Jo has a population of 876 with a density of 811 people per square mile, spread across 1.1 square miles. The median age is 34.4 years, 12% younger than the national median of 38.9. The gender split is 54.3% female and 45.7% male. The city is predominantly White (96.1%), with 5.1% Hispanic. English is the primary language spoken at home by 99.1% of residents. 6.9% of the population are veterans. 13.1% of residents have a disability. 88.8% have health insurance coverage.
Population
876
Total Population
2023 Census
34.4yrs
Median Age
12% below US avg
Language Spoken at Home
English Only
99.1%
26% above US avg
Spanish
1.5%
89% below US avg
The median household income in St. Jo is $68,750, which is 9% below the national average of $75,149. Per capita income is $23,850 (below the $39,052 national figure). The average weekly wage is $910, 36% lower than the U.S. average. The unemployment rate is 4.4% (above the 3.6% US average). 12.9% of residents live below the poverty line. The area has 515 business establishments, including 35 restaurants. The cost of living index is 97.1, roughly in line with the national average. Workers commute an average of 26 minutes. 1.7% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $68,750 |
| 9% below US avg |
| Per Capita Income | $23,850 |
| Avg Weekly Wage | $910 |
| IRS Avg AGI | $74,935 |
| Gini Index | 0.416 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 4.4% |
| 22% above US avg |
| Poverty Rate | 12.9% |
| 4% above US avg |
| Establishments (County) | 515 |
| County GDP | $798M |
Business (County)
| Restaurants | 35 |
| Healthcare | 35 |
| Retail | 67 |
| Manufacturing | 13 |
Tax & Cost of Living
| Property Tax (IRS) | $5,757 |
| 64% above US avg |
| Cost of Living | 97.10 (100=avg) |
| Effective Tax Rate | 3.92% |
Commute & Transportation
| Commute Time | 25.6 min |
| Drive Alone | 86.3% |
| Public Transit | 0.0% |
| Work from Home | 1.7% |
The median home value in St. Jo is $146,900, 48% below the national median of $281,900. Zillow estimates the typical home value at $319,502, higher than the Census estimate. Monthly rent averages $483 (58% below the national average of $1,163). Fair market rent ranges from $935 for a one-bedroom to $1,149 for a two-bedroom apartment. 69.3% of housing units are owner-occupied. There are 419 total housing units in the city. The median year a home was built is 1971. The average annual property tax is $5,757 (higher than the $3,500 national average). 51.0% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 2.1x, well within the affordable range.
Home Values
| Census Median | $146,900 |
| 48% below US avg |
| Zillow ZHVI | $319,502 |
Rental Costs
| Census Median Rent | $483 |
| 58% below US avg |
| Rent Burden | 51.0% |
HUD Fair Market Rent
| Studio | $887 |
| 1 Bedroom | $935 |
| 2 Bedrooms | $1,149 |
| 3 Bedrooms | $1,497 |
| 4 Bedrooms | $1,733 |
Ownership & Property
| Homeownership | 69.3% |
| Owner-Occupied | 69.3% |
| Renter-Occupied | 30.7% |
| Housing Units | 419 |
| Median Year Built | 1971 |
Property Tax
| Avg Tax (IRS) | $5,757 |
| 64% above US avg |
| Effective Rate | 3.92% |
In St. Jo, 34.6% of adults are obese, above the national rate of 32.1%. 10.3% have diabetes. Heart disease affects 5.6% of residents. 31.7% have high blood pressure. 16.0% are current smokers. 19.1% report binge drinking. 26.0% are physically inactive. 26.8% report depression (above the 20.0% national average). 20.1% experience frequent mental distress. 11.2% of residents lack health insurance (above the 8.6% national rate). The primary care physician ratio is 1:4,082. The dentist ratio is 1:3,511. 36.6% of residents have access to exercise opportunities. The food environment index is 7.2 out of 10.
Health Metrics: St. Jo vs U.S. Average (%)
Chronic Conditions
| Obesity | 34.6% |
| 8% above US avg |
| Diabetes | 10.3% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.7% |
| Asthma | 10.9% |
| COPD | 7.1% |
| Cancer | 7.1% |
| Stroke | 3.1% |
Behaviors & Mental Health
| Smoking | 16.0% |
| 14% above US avg |
| Binge Drinking | 19.1% |
| Physical Inactivity | 26.0% |
| Depression | 26.8% |
| Mental Distress | 20.1% |
| Physical Distress | 14.0% |
| Short Sleep | 39.9% |
Healthcare Access
| Insurance Rate | 88.8% |
| Uninsured | 11.2% |
| 30% above US avg |
| Primary Care | 1:4,082 |
| Dentists | 1:3,511 |
| Mental Health | 1:5,400 |
| Checkup Rate | 71.7% |
| Dental Visits | 53.3% |
| Premature Death | 13,687/100K |
Food & Exercise
| Food Environment | 7.2/10 |
| Exercise Access | 36.6% |
| Healthcare Facilities | 35 |
St. Jo enjoys a temperate climate with an average annual temperature of 64°F (18°C). Winters average 42°F in January while summers reach 84°F in July. Annual precipitation totals 38.3 inches. The city sits at an elevation of 1,142 feet.
Temperature
42°F Jan (6°C)
84°F Jul (29°C)
| Annual Average | 63.7°F |
| 18% above US avg |
| January Average | 42°F (6°C) |
| July Average | 84°F (29°C) |
Geography
| Elevation | 1,142 ft (348 m) |
| Area | 1.1 sq mi (2.8 km²) |
| Population Density | 811/sq mi |
| Coordinates | 33.6950°N, 97.5231°W |
| Timezone | America/Chicago |
| County | Montague County County |
| Nearest Airport | North Texas Regional/Perrin Field (PNX)
49 miles away |
Precipitation & Snow
Annual Rainfall
38.3"
1% above US avg
Wettest Month (May)
5.05"
Natural Hazard Risk
| Overall Risk | Relatively Low |
| Risk Score | 54.9 / 100 |
| Social Vulnerability | 57.5 / 100 |
| Community Resilience | 23.5 / 100 |
Hazard Breakdown
| Tornado |
Relatively Moderate |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Relatively Moderate |
| Flood |
Very Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Moderate |
| Heat Wave |
Relatively Low |
| Winter Weather |
Relatively Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively High |
| Drought |
Relatively High |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
261 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.5. Most recent: M2.6 on Aug 31, 2024.
| Sep 6, 1997 |
6 km N of Tupelo, Oklahoma |
M4.5 |
147 km |
| Jan 18, 1995 |
4 km SSE of Erin Springs, Oklahoma |
M4.2 |
120 km |
| May 7, 2015 |
5 km N of Venus, Texas |
M4.0 |
141 km |
| Apr 28, 1998 |
9 km NE of Medicine Park, Oklahoma |
M3.9 |
146 km |
| Nov 15, 1990 |
5 km SSE of Erin Springs, Oklahoma |
M3.9 |
119 km |
| Feb 8, 2002 |
8 km SW of Elgin, Oklahoma |
M3.8 |
138 km |
| Nov 28, 2013 |
6 km SSW of Perrin, Texas |
M3.7 |
96 km |
| Dec 9, 2013 |
8 km S of Perrin, Texas |
M3.7 |
96 km |
| Sep 25, 2023 |
9 km WNW of Velma, Oklahoma |
M3.7 |
90 km |
| Jan 7, 2015 |
6 km NE of Irving, Texas |
M3.6 |
111 km |
| Dec 17, 1992 |
7 km SSE of Erin Springs, Oklahoma |
M3.6 |
117 km |
| Nov 20, 2013 |
1 km NNW of Azle, Texas |
M3.6 |
87 km |
| Dec 8, 2013 |
0 km NNE of Sanctuary, Texas |
M3.6 |
87 km |
| Apr 28, 2013 |
4 km NNW of Oakland, Oklahoma |
M3.5 |
82 km |
| Jun 24, 2012 |
3 km SSE of Briaroaks, Texas |
M3.5 |
138 km |
| Jun 8, 2004 |
6 km N of Lone Grove, Oklahoma |
M3.5 |
65 km |
| Jan 6, 2015 |
4 km ENE of Irving, Texas |
M3.5 |
112 km |
| Mar 4, 2013 |
5 km S of Tishomingo, Oklahoma |
M3.5 |
95 km |
| Apr 19, 2021 |
8 km SW of Dibble, Oklahoma |
M3.5 |
143 km |
| Nov 25, 2013 |
3 km WNW of Sanctuary, Texas |
M3.4 |
87 km |
Source: USGS (M2.5+, 1990-2025)
Tornado History
698 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 54 fatalities, 637 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1964 |
EF5 |
93 km |
7 |
| Apr 27, 2024 |
EF4 |
43 km |
1 |
| May 9, 2016 |
EF4 |
97 km |
1 |
| Feb 10, 2009 |
EF4 |
28 km |
8 |
| Apr 19, 1972 |
EF4 |
76 km |
5 |
| May 26, 1962 |
EF4 |
99 km |
0 |
| Apr 2, 1957 |
EF4 |
88 km |
2 |
| Nov 3, 2024 |
EF3 |
78 km |
0 |
| May 25, 2024 |
EF3 |
81 km |
0 |
| May 25, 2024 |
EF3 |
28 km |
7 |
| Apr 27, 2024 |
EF3 |
100 km |
1 |
| May 10, 2010 |
EF3 |
64 km |
0 |
| May 9, 2006 |
EF3 |
100 km |
3 |
| May 7, 1995 |
EF3 |
15 km |
3 |
| May 7, 1995 |
EF3 |
20 km |
2 |
| Mar 13, 1990 |
EF3 |
67 km |
0 |
| Apr 2, 1982 |
EF3 |
48 km |
0 |
| Oct 30, 1979 |
EF3 |
64 km |
3 |
| Apr 10, 1979 |
EF3 |
73 km |
0 |
| May 15, 1977 |
EF3 |
85 km |
1 |
Source: NOAA SPC (EF0+, 1950-2024)
Wildfire History
20 wildfires (100+ acres) within 100 km.
Largest: LOCO-HEALDTON (56,584 ac, 2009).
| Year |
Name |
Acres |
Distance |
| 2009 |
LOCO-HEALDTON |
56,584 |
69 km |
| 1991 |
ARBUCKLE |
29,823 |
84 km |
| 2021 |
WINDMILL |
28,410 |
82 km |
| 2009 |
MONTAGUE COUNTY COMPLEX |
25,907 |
34 km |
| 2009 |
RATCLIFF CITY-TATUMS |
23,099 |
89 km |
| 2009 |
TWO MILE HILL COMPLEX |
20,991 |
88 km |
| 2009 |
BRUSHY MOUNTAIN |
18,412 |
44 km |
| 2006 |
RINGGOLD |
16,382 |
34 km |
| 2005 |
UNNAMED |
15,416 |
85 km |
| 2009 |
APRIL 9TH COMPLEX 2 |
13,805 |
73 km |
| 1996 |
HENRIETTA FIRE |
13,629 |
58 km |
| 2006 |
RATLIFF CITY |
12,435 |
80 km |
| 1996 |
POOLVILLE FIRE |
12,128 |
82 km |
| 2000 |
UNNAMED |
9,943 |
85 km |
| 2006 |
BIA EMPIRE |
7,544 |
94 km |
| 2011 |
CHERRY HOMES |
7,398 |
59 km |
| 1988 |
UNNAMED |
7,228 |
86 km |
| 2006 |
BIALOCO |
6,843 |
70 km |
| 2011 |
ENMIN FIRE |
6,618 |
91 km |
| 2009 |
MONTAGUE COUNTY COMPLEX |
6,505 |
10 km |
Source: NIFC/IRWIN (100+ acres)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
42°F (6°C) |
1.9 in |
Coldest, Driest |
| February |
47°F (8°C) |
2.5 in |
|
| March |
55°F (13°C) |
3.2 in |
|
| April |
63°F (17°C) |
3.6 in |
|
| May |
71°F (22°C) |
5.1 in |
Wettest |
| June |
80°F (27°C) |
4.3 in |
|
| July |
84°F (29°C) |
2.4 in |
Warmest |
| August |
84°F (29°C) |
2.3 in |
|
| September |
76°F (25°C) |
3.7 in |
|
| October |
65°F (18°C) |
4.3 in |
|
| November |
53°F (12°C) |
2.7 in |
|
| December |
45°F (7°C) |
2.4 in |
|
St. Jo has a seasonal temperature swing of 42°F / from 42°F in January to 84°F in July. Total annual precipitation is 38.3 inches, with May being the wettest month (5.1") and January the driest (1.9").
Average costs for common services in St. Jo. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$243 ($146-$388) |
| Specialist Visit |
$340 ($194-$534) |
| Urgent Care Visit |
$194 ($97-$340) |
| Emergency Room Visit |
$2,136 ($777-$4,855) |
| Dental Cleaning |
$126 ($73-$194) |
| Dental Filling |
$243 ($146-$388) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$44 ($24-$73) |
| Oil Change (Synthetic) |
$73 ($49-$117) |
| Brake Pad Replacement |
$291 ($146-$486) |
| Tire Rotation |
$39 ($19-$73) |
| New Tires (Set of 4) |
$583 ($388-$971) |
| Battery Replacement |
$194 ($97-$340) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$97 ($58-$146) |
| Electrician (Per Hour) |
$87 ($49-$136) |
| HVAC Repair |
$388 ($146-$777) |
| HVAC System Install |
$6,797 ($3,884-$11,652) |
| Roof Repair |
$971 ($388-$1,942) |
| Roof Replacement |
$8,739 ($5,341-$14,565) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,457 ($486-$3,399) |
| Divorce (Contested) |
$14,565 ($4,855-$29,130) |
| DUI Defense |
$4,855 ($1,942-$9,710) |
| Bankruptcy (Chapter 7) |
$1,457 ($777-$2,913) |
| Will Preparation |
$486 ($194-$971) |
| Trust Preparation |
$2,428 ($971-$4,855) |
View all 12 services
Personal Care
| Men's Haircut |
$24 ($15-$44) |
| Women's Haircut |
$53 ($29-$97) |
| Hair Coloring (Full) |
$146 ($73-$243) |
| Manicure |
$24 ($15-$44) |
| Pedicure |
$39 ($24-$63) |
| Massage (1 Hour) |
$78 ($49-$126) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.98 ($2.91-$5.34) |
| Dozen Eggs (per dozen) |
$3.40 ($2.43-$4.86) |
| Loaf of Bread |
$3.69 ($2.43-$5.34) |
| Chicken Breast (per lb) |
$4.37 ($2.91-$6.31) |
| Ground Beef (per lb) |
$5.34 ($3.88-$7.28) |
| Rice (per lb) |
$0.97 ($0.58-$1.75) |
View all 20 services
Utilities
| Electricity (Monthly) |
$136 ($78-$243) |
| Natural Gas (Monthly) |
$68 ($29-$146) |
| Water/Sewer (Monthly) |
$68 ($39-$117) |
| Internet (Monthly) |
$68 ($39-$97) |
| Cell Phone Plan (Monthly) |
$63 ($29-$97) |
| Cable TV (Monthly) |
$83 ($49-$146) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$194 ($73-$486) |
| Car Insurance (Annual) |
$1,942 ($1,165-$3,399) |
| Bus Pass (Monthly) |
$68 ($29-$126) |
| Taxi/Uber (5-Mile Ride) |
$15 ($7.77-$24) |
| Car Registration (Annual) |
$97 ($29-$243) |
| Driver's License Renewal |
$29 ($15-$73) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,165 ($583-$2,428) |
| Daycare (Toddler, Monthly) |
$971 ($486-$1,942) |
| After-School Care (Monthly) |
$388 ($194-$680) |
| Tutoring (Per Hour) |
$49 ($24-$97) |
| SAT/ACT Prep Course |
$971 ($388-$2,428) |
| Private School (K-12, Annual) |
$12,138 ($4,855-$29,130) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$58 ($29-$97) |
| Dog Vaccination (Annual) |
$97 ($49-$194) |
| Dog Grooming |
$58 ($29-$97) |
| Pet Boarding (Per Night) |
$39 ($19-$73) |
| Dog Spay/Neuter |
$291 ($146-$486) |
| Cat Spay/Neuter |
$194 ($97-$388) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $563 |
| Toddler | $528 |
| Preschool | $515 |
| Family Childcare (monthly) |
| Infant | $507 |
| Toddler | $485 |
| Preschool | $476 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About St. Jo
What is the population of St. Jo?
St. Jo has a population of 876 residents and is located in Texas. The population density is 811 people per square mile, spread across 1.1 square miles. The median age of residents is 34.4 years, which is younger than the national median of 38.9 years. The population is 54.3% female and 45.7% male.
Is St. Jo expensive to live in?
St. Jo has a cost of living roughly in line with the national average, with an index of 97.1 (baseline: 100). The median household income is $68,750, 9% below the national average of $75,149. The median home value is $146,900 (48% below the U.S. median). Renters pay a median of $483 per month, below the national average of $1,163. The home price-to-income ratio is 2.1x, indicating housing is reasonably affordable relative to local income levels.
What is the weather like in St. Jo?
St. Jo enjoys a temperate climate with an average annual temperature of 64°F (18°C). Winter temperatures average 42°F in January, while summers reach an average of 84°F in July. Annual rainfall totals 38.3 inches.
How is the job market in St. Jo?
St. Jo has a healthy job market with an unemployment rate of 4.4%, near the national average of 3.6%. The average weekly wage is $910. There are 515 business establishments in the area, including 35 restaurants and food service locations. The average commute time is 26 minutes, and 1.7% of workers work from home.
How much does housing cost in St. Jo?
The median home value in St. Jo is $146,900. Zillow estimates the typical home value at $319,502. For renters, the median monthly rent is $483. Fair market rent is $935 for a 1-bedroom and $1,149 for a 2-bedroom apartment. The homeownership rate is 69.3%. The average annual property tax is $5,757.
How are the schools in St. Jo?
Schools in St. Jo score 5.2 out of 10 on standardized testing, near the national average. 17.7% of adults in St. Jo hold a bachelor's degree or higher, below the national average of 33.7%. 92.3% have completed high school. 2.0% hold a graduate or professional degree.
How healthy is St. Jo?
The obesity rate in St. Jo is 34.6% (above the national rate of 32.1%). 16.0% of adults are smokers. 26.0% are physically inactive. 26.8% of residents report depression. 11.2% lack health insurance (above the national rate). 36.6% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,082.
What is transportation like in St. Jo?
The average commute in St. Jo is 26 minutes. 86.3% of workers drive alone to work, and 1.7% work from home.
What are the demographics of St. Jo?
The racial and ethnic makeup of St. Jo is 96.1% White, 5.1% Hispanic or Latino. 99.1% of residents speak only English at home. 6.9% of the population are military veterans. 13.1% of residents have a disability. 88.8% have health insurance coverage.