Median Income
$61,875
18% lower than US avg
Home Value
$85,400
70% lower than US avg
Violent Crime
63/100K
84% lower than US avg
Bachelor's+
6.2%
82% lower than US avg
Median Rent
$700
40% lower than US avg
Obesity Rate
41.8%
30% higher than US avg
Unemployment
5.8%
61% higher than US avg
Poverty Rate
5.8%
53% lower than US avg
How St. Joe Compares to the U.S. Average (100% = U.S. avg)
People
Population420
Median Age33.4 yrs
Density1,235/mi²
Male / Female55% / 46%
Largest GroupWhite 96%
Veterans8.5%
Economy
B+
Median Income$61,875
Per Capita$22,790
Unemployment5.8%
Poverty5.8%
County GDP$790M
Commute27 min
Housing
A+
Home Value$85,400
Rent$700
Ownership72.1%
Zillow$195,288
Housing Units196
Rent Burden18.3%
Crime
F
Violent63/100K
Property2,110/100K
Health
Obesity41.8%
Uninsured8.3%
Smoking15.5%
Depression26.7%
Heart Disease5.2%
Climate
Avg Temp50°F (10°C)
AQI41 (Good)
Rain35.1 in/yr
Sunny Days275/yr
Elevation819 ft (250 m)
Education
F
Bachelor's+6.2%
High School+71.0%
Graduate+0.0%
School Score6.01
Community
2024 VoteR 78% / D 21%
Commute27 min
Broadband79.6%
EV Stations3
Libraries6
Is St. Joe a Good Place to Live?
Based on current data, St. Joe receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low crime rates, affordable housing, abundant sunshine, a low poverty rate. Areas to be aware of include above-average unemployment, high obesity rates. St. Joe has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in St. Joe is $61,875, 18% below the national average of $75,149. The unemployment rate of 5.8% is somewhat elevated compared to the national rate of 3.6%. Only 5.8% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 27 minutes.
Cost of Living & Housing
The median home value in St. Joe is $85,400, 70% below the national median / offering relatively affordable homeownership. Renters pay a median of $700 per month, below the national average / a plus for affordability. At just 1.4x median income, home prices are very affordable relative to local earnings.
Safety & Crime
St. Joe is a very safe community with a violent crime rate of 63 per 100,000 residents / well below the national average of 380. Property crime occurs at a rate of 2,110 per 100,000, near the national average.
Education
6.2% of residents hold a bachelor's degree, below the national average of 33.7%. 71.0% have completed high school. Area schools have an average test score of 6/10.
Climate & Weather
St. Joe experiences four distinct seasons with an average temperature of 50°F. Winters average 25°F in January while summers reach 73°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 35.1 inches. Air quality is rated Good with a median AQI of 41.
St. Joe has a population of 420 with a density of 1,235 people per square mile, spread across 0.1 square miles. The median age is 33.4 years, 14% younger than the national median of 38.9. The gender split is 45.5% female and 54.5% male. The city is predominantly White (96.4%). English is the primary language spoken at home by 93.2% of residents, while 6.8% speak Spanish. 8.5% of the population are veterans, above the national rate of 6.0%. 14.2% of residents have a disability. 86.7% have health insurance coverage.
Population
33.4yrs
Median Age
14% below US avg
Language Spoken at Home
English Only
93.2%
19% above US avg
Spanish
6.8%
49% below US avg
The median household income in St. Joe is $61,875, which is 18% below the national average of $75,149. Per capita income is $22,790 (below the $39,052 national figure). The average weekly wage is $962, 33% lower than the U.S. average. The unemployment rate is 5.8% (above the 3.6% US average). 5.8% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 420 business establishments, including 29 restaurants. The cost of living index is 93.3, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 27 minutes. 1.3% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $61,875 |
| 18% below US avg |
| Per Capita Income | $22,790 |
| Avg Weekly Wage | $962 |
| IRS Avg AGI | $67,814 |
| Gini Index | 0.416 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 5.8% |
| 61% above US avg |
| Poverty Rate | 5.8% |
| 53% below US avg |
| Establishments (County) | 420 |
| County GDP | $790M |
Business (County)
| Restaurants | 29 |
| Healthcare | 25 |
| Retail | 48 |
| Manufacturing | 32 |
Tax & Cost of Living
| Property Tax (IRS) | $3,073 |
| 12% below US avg |
| Cost of Living | 93.30 (100=avg) |
| Effective Tax Rate | 3.60% |
Commute & Transportation
| Commute Time | 26.8 min |
| Drive Alone | 76.4% |
| Public Transit | 0.0% |
| Work from Home | 1.3% |
The median home value in St. Joe is $85,400, 70% below the national median of $281,900. Zillow estimates the typical home value at $195,288, higher than the Census estimate. Monthly rent averages $700 (40% below the national average of $1,163). Fair market rent ranges from $882 for a one-bedroom to $1,096 for a two-bedroom apartment. 72.1% of housing units are owner-occupied. There are 196 total housing units in the city. The median year a home was built is 1938. The average annual property tax is $3,073. 18.3% of renters spend 30% or more of their income on housing. The home price-to-income ratio is 1.4x, well within the affordable range.
Home Values
| Census Median | $85,400 |
| 70% below US avg |
| Zillow ZHVI | $195,288 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $700 |
| 40% below US avg |
| Rent Burden | 18.3% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $882 |
| 2 Bedrooms | $1,096 |
| 3 Bedrooms | $1,391 |
| 4 Bedrooms | $1,590 |
Ownership & Property
| Homeownership | 72.1% |
| Owner-Occupied | 72.1% |
| Renter-Occupied | 27.9% |
| Housing Units | 196 |
| Median Year Built | 1938 |
Property Tax
| Avg Tax (IRS) | $3,073 |
| 12% below US avg |
| Effective Rate | 3.60% |
In St. Joe, 41.8% of adults are obese, above the national rate of 32.1%. 10.0% have diabetes. Heart disease affects 5.2% of residents. 32.3% have high blood pressure. 15.5% are current smokers. 19.3% report binge drinking. 23.2% are physically inactive. 26.7% report depression (above the 20.0% national average). 18.6% experience frequent mental distress. 8.3% of residents lack health insurance. The primary care physician ratio is 1:4,718. The dentist ratio is 1:6,252. 44.3% of residents have access to exercise opportunities. The food environment index is 7.9 out of 10.
Health Metrics: St. Joe vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.8% |
| 30% above US avg |
| Diabetes | 10.0% |
| Heart Disease | 5.2% |
| High Blood Pressure | 32.3% |
| Asthma | 11.0% |
| COPD | 6.4% |
| Cancer | 7.3% |
| Stroke | 2.6% |
Behaviors & Mental Health
| Smoking | 15.5% |
| 11% above US avg |
| Binge Drinking | 19.3% |
| Physical Inactivity | 23.2% |
| Depression | 26.7% |
| Mental Distress | 18.6% |
| Physical Distress | 12.6% |
| Short Sleep | 38.4% |
Healthcare Access
| Insurance Rate | 86.7% |
| Uninsured | 8.3% |
| 3% below US avg |
| Primary Care | 1:4,718 |
| Dentists | 1:6,252 |
| Mental Health | 1:1,559 |
| Checkup Rate | 77.1% |
| Dental Visits | 61.2% |
| Premature Death | 7,074/100K |
Food & Exercise
| Food Environment | 7.9/10 |
| Exercise Access | 44.3% |
| Healthcare Facilities | 25 |
St. Joe has a violent crime rate of 63 per 100,000 residents, 84% below the national average of 380. Property crime stands at 2,110 per 100,000, 8% above the U.S. average. The county recorded 1 fatal traffic crashes. Overall, St. Joe receives a safety grade of F.
Crime Rates: St. Joe vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 62.5/100K |
| 84% below US avg |
| |
Property Crime
| Total Property | 2,109.9/100K |
| 8% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 1 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
St. Joe experiences four distinct seasons with an average annual temperature of 50°F (10°C). Winters average 25°F in January while summers reach 73°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 35.1 inches. Air quality is rated Good with a median AQI of 41. The city sits at an elevation of 819 feet.
Temperature
25°F Jan (-4°C)
73°F Jul (23°C)
| Annual Average | 50.2°F |
| 7% below US avg |
| January Average | 25°F (-4°C) |
| July Average | 73°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 819 ft (250 m) |
| Area | 0.1 sq mi (0.3 km²) |
| Population Density | 1,235/sq mi |
| Coordinates | 41.3147°N, 84.9011°W |
| Timezone | America/Indiana/Indianapolis |
| County | Paulding County County |
| Nearest Airport | Fort Wayne International (FWA)
28 miles away |
Precipitation & Snow
Annual Rainfall
35.1"
8% below US avg
Wettest Month (Jun)
3.70"
Air Quality
| AQI Median | 41.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 21.2 / 100 |
| Social Vulnerability | 27.9 / 100 |
| Community Resilience | 71.6 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Very Low |
| Lightning |
Very Low |
| Ice Storm |
Relatively Low |
| Drought |
No Rating |
| Cold Wave |
Very Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
12 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M4.2. Most recent: M2.5 on Mar 18, 2024.
| May 2, 2015 |
5 km S of Galesburg, Michigan |
M4.2 |
111 km |
| Jun 30, 2015 |
5 km NNE of Burlington, Michigan |
M3.3 |
93 km |
| Jan 26, 2012 |
5 km NE of Topeka, Indiana |
M3.0 |
57 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
95 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
110 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
94 km |
| May 14, 2010 |
1 km ENE of Gibsonburg, Ohio |
M2.7 |
134 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
42 km |
| May 20, 2023 |
3 km SSE of Walbridge, Ohio |
M2.6 |
121 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
75 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
108 km |
| Mar 18, 2024 |
4 km WSW of Millbury, Ohio |
M2.5 |
122 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
458 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF4. Total: 100 fatalities, 1,622 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Nov 10, 2002 |
EF4 |
61 km |
4 |
| Feb 18, 1992 |
EF4 |
71 km |
0 |
| Apr 11, 1965 |
EF4 |
75 km |
5 |
| Apr 11, 1965 |
EF4 |
94 km |
4 |
| Apr 11, 1965 |
EF4 |
82 km |
13 |
| Apr 11, 1965 |
EF4 |
51 km |
23 |
| Apr 11, 1965 |
EF4 |
55 km |
21 |
| Jun 8, 1953 |
EF4 |
84 km |
17 |
| May 27, 2019 |
EF3 |
87 km |
1 |
| May 27, 2019 |
EF3 |
92 km |
0 |
| Aug 24, 2016 |
EF3 |
19 km |
0 |
| Nov 10, 2002 |
EF3 |
72 km |
0 |
| Oct 24, 2001 |
EF3 |
71 km |
0 |
| Mar 27, 1991 |
EF3 |
52 km |
0 |
| Mar 27, 1991 |
EF3 |
28 km |
1 |
| May 15, 1986 |
EF3 |
69 km |
0 |
| May 2, 1983 |
EF3 |
90 km |
1 |
| Apr 3, 1974 |
EF3 |
49 km |
5 |
| Apr 3, 1974 |
EF3 |
48 km |
0 |
| Jun 2, 1971 |
EF3 |
87 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
25°F (-4°C) |
1.8 in |
Coldest |
| February |
26°F (-3°C) |
1.7 in |
Driest |
| March |
36°F (2°C) |
2.6 in |
|
| April |
48°F (9°C) |
3.3 in |
|
| May |
59°F (15°C) |
3.6 in |
|
| June |
69°F (20°C) |
3.7 in |
Wettest |
| July |
73°F (23°C) |
3.6 in |
Warmest |
| August |
71°F (21°C) |
3.2 in |
|
| September |
64°F (18°C) |
3.1 in |
|
| October |
52°F (11°C) |
2.4 in |
|
| November |
40°F (5°C) |
2.9 in |
|
| December |
29°F (-2°C) |
2.7 in |
|
St. Joe has a seasonal temperature swing of 48°F / from 25°F in January to 73°F in July. Total annual precipitation is 34.5 inches, with June being the wettest month (3.7") and February the driest (1.7").
Average costs for common services in St. Joe. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$233 ($140–$373) |
| Specialist Visit |
$327 ($187–$513) |
| Urgent Care Visit |
$187 ($93–$327) |
| Emergency Room Visit |
$2,053 ($746–$4,665) |
| Dental Cleaning |
$121 ($70–$187) |
| Dental Filling |
$233 ($140–$373) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($47–$112) |
| Brake Pad Replacement |
$280 ($140–$467) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$560 ($373–$933) |
| Battery Replacement |
$187 ($93–$327) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$140) |
| Electrician (Per Hour) |
$84 ($47–$131) |
| HVAC Repair |
$373 ($140–$746) |
| HVAC System Install |
$6,531 ($3,732–$11,196) |
| Roof Repair |
$933 ($373–$1,866) |
| Roof Replacement |
$8,397 ($5,132–$13,995) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,400 ($467–$3,266) |
| Divorce (Contested) |
$13,995 ($4,665–$27,990) |
| DUI Defense |
$4,665 ($1,866–$9,330) |
| Bankruptcy (Chapter 7) |
$1,400 ($746–$2,799) |
| Will Preparation |
$467 ($187–$933) |
| Trust Preparation |
$2,333 ($933–$4,665) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$140 ($70–$233) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$61) |
| Massage (1 Hour) |
$75 ($47–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.83 ($2.80–$5.13) |
| Dozen Eggs (per dozen) |
$3.27 ($2.33–$4.67) |
| Loaf of Bread |
$3.55 ($2.33–$5.13) |
| Chicken Breast (per lb) |
$4.20 ($2.80–$6.06) |
| Ground Beef (per lb) |
$5.13 ($3.73–$7.00) |
| Rice (per lb) |
$0.93 ($0.56–$1.68) |
View all 20 services
Utilities
| Electricity (Monthly) |
$131 ($75–$233) |
| Natural Gas (Monthly) |
$65 ($28–$140) |
| Water/Sewer (Monthly) |
$65 ($37–$112) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$61 ($28–$93) |
| Cable TV (Monthly) |
$79 ($47–$140) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$187 ($70–$467) |
| Car Insurance (Annual) |
$1,866 ($1,120–$3,266) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.46–$23) |
| Car Registration (Annual) |
$93 ($28–$233) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,120 ($560–$2,333) |
| Daycare (Toddler, Monthly) |
$933 ($467–$1,866) |
| After-School Care (Monthly) |
$373 ($187–$653) |
| Tutoring (Per Hour) |
$47 ($23–$93) |
| SAT/ACT Prep Course |
$933 ($373–$2,333) |
| Private School (K-12, Annual) |
$11,663 ($4,665–$27,990) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($47–$187) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$280 ($140–$467) |
| Cat Spay/Neuter |
$187 ($93–$373) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About St. Joe
What is the population of St. Joe?
St. Joe has a population of 420 residents and is located in Indiana. The population density is 1,235 people per square mile, spread across 0.1 square miles. The median age of residents is 33.4 years, which is younger than the national median of 38.9 years. The population is 45.5% female and 54.5% male.
Is St. Joe expensive to live in?
St. Joe is more affordable than the national average, with a cost of living index of 93.3 / below the baseline of 100. The median household income is $61,875, 18% below the national average of $75,149. The median home value is $85,400 (70% below the U.S. median). Renters pay a median of $700 per month, below the national average of $1,163. The home price-to-income ratio is 1.4x, indicating housing is reasonably affordable relative to local income levels.
Is St. Joe safe?
St. Joe is considered a very safe city with a violent crime rate of 63 per 100,000 residents, well below the national average of 380. Property crime occurs at a rate of 2,110 per 100,000 (above the national average). Overall, St. Joe receives a safety grade of F based on combined crime data.
What is the weather like in St. Joe?
St. Joe has a four-season climate with an average annual temperature of 50°F (10°C). Winter temperatures average 25°F in January, while summers reach an average of 73°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 35.1 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 41.
How is the job market in St. Joe?
The unemployment rate in St. Joe is 5.8%, somewhat above the national average of 3.6%. Job seekers may face moderate competition. The average weekly wage is $962. There are 420 business establishments in the area, including 29 restaurants and food service locations. The average commute time is 27 minutes, and 1.3% of workers work from home.
How much does housing cost in St. Joe?
The median home value in St. Joe is $85,400. Zillow estimates the typical home value at $195,288. For renters, the median monthly rent is $700. Fair market rent is $882 for a 1-bedroom and $1,096 for a 2-bedroom apartment. The homeownership rate is 72.1%. The average annual property tax is $3,073.
How are the schools in St. Joe?
Schools in St. Joe score 6 out of 10 on standardized testing, near the national average. 6.2% of adults in St. Joe hold a bachelor's degree or higher, below the national average of 33.7%. 71.0% have completed high school. 0.0% hold a graduate or professional degree.
How healthy is St. Joe?
The obesity rate in St. Joe is 41.8% (above the national rate of 32.1%). 15.5% of adults are smokers. 23.2% are physically inactive. 26.7% of residents report depression. 8.3% lack health insurance. 44.3% of residents have access to exercise opportunities. The primary care physician ratio is 1:4,718.
What is transportation like in St. Joe?
The average commute in St. Joe is 27 minutes. 76.4% of workers drive alone to work, and 1.3% work from home.
What are the demographics of St. Joe?
The racial and ethnic makeup of St. Joe is 96.4% White, 0.7% Hispanic or Latino. 93.2% of residents speak only English at home, while 6.8% speak Spanish. 8.5% of the population are military veterans. 14.2% of residents have a disability. 86.7% have health insurance coverage.
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