St. Joseph: Housing & Real Estate
Housing in St. Joseph centers on a median value of $285,100 (estimated market value runs 19% higher at $339,532), with median rent $950 (about the same as La Crosse County median $984; 1.1× below Wisconsin median $1,059). Homeownership rate: 68.8%. That's 1.3× higher than the La Crosse County median ($226,600); 1.3× higher than the Wisconsin median ($225,700). Market is warm. New construction makes up 2.9% of stock. A municipal building code is in effect.
- 3.1× annual income — home value vs. household income (vs Wisconsin 3.1×).
- 25.0 years to break even renting at the median (vs Wisconsin 18y).
- 4-BR rent is 2.4× a studio — rent gradient by unit size.
- Median rent 18% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $285,100 — 1.3× the Wisconsin median ($225,700). Median rent $950/month. homeownership rate 68.8% — above the U.S. share of ~65%.
| Affordability · Home Price To Income | 3.1× |
|---|---|
| Affordability · Home Affordability | moderate |
| Affordability · Rent Pct Income | 11.7% |
| Affordability · Rent Affordability | affordable |
| Affordability · Poverty Rate | 10.4% |
| Affordability · Property Tax Pct Income | 4.8% |
| Fair Market Rent · Studio rent | $804 (vs Wisconsin $932) |
| Fair Market Rent · One-bedroom rent | $889 (vs Wisconsin $988) |
| Fair Market Rent · Two-bedroom rent | $1,166 (vs Wisconsin $1,246) |
| Fair Market Rent · Three-bedroom rent | $1,515 (vs Wisconsin $1,648) |
| Fair Market Rent · Four-bedroom rent | $1,903 (vs Wisconsin $1,784) |
| Fair Market Rent · HUD FMR area | La Crosse-Onalaska, WI-MN HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $339,532 |
| Median Home Value | $285,100 (vs Wisconsin $225,700) |
| Median Rent | $950 (vs Wisconsin $1,059) |
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 · New construction (% of stock) | 2.9% |
| Housing Market · Price Appreciation 2Yr | 7.8% |
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 (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% (at Wisconsin median) |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% (at Wisconsin median) |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% (at Wisconsin median) |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 45.3% (vs Wisconsin 47.7%) |
| Broadband · Broadband-capable premises | 192 |
| Electricity · Electricity rate (¢/kWh) | 17.18¢/kWh |
| Electricity · Customers | 2843874 |
| Electricity · Revenue Millions | $3,783 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0.000000000 |
| Mobile Broadband · 4G mobile coverage | 0.782608696 (vs Wisconsin 100.0%) |
| Mobile Broadband · 5G mobile coverage | 0.652173913 (vs Wisconsin 100.0%) |
| Mobile Home Parks Detail · County total | 1 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 68.8% (vs Wisconsin 60.8%) |
|---|---|
| Median Year Built | 1980 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12