St Joseph Homes with FHA Financing

St Joseph Homes with FHA Financing

Welcome to St. Joseph, Missouri—a charming city that perfectly blends rich history with modern living. Nestled along the banks of the Missouri River, St. Joseph is known for its vibrant community, friendly neighborhoods, and a plethora of recreational activities. With a population of around 76,000, this city offers the warmth of small-town living while providing all the amenities of a larger urban area.

St. Joseph boasts a rich history as the starting point of the Pony Express and the birthplace of famed outlaw Jesse James. Today, you can explore its historical landmarks, such as the Pony Express National Museum and the Jesse James Home Museum, which offer a glimpse into the city’s storied past. Nature enthusiasts will appreciate the city's parks and trails, including the scenic Krug Park, perfect for hiking, picnicking, and enjoying the great outdoors.

For homebuyers, St. Joseph presents an exciting opportunity—many homes here qualify for FHA financing. This means that first-time buyers or those looking to secure an affordable mortgage can find a variety of homes that cater to their needs. With a diverse selection of properties, from charming historic houses to contemporary family homes, St. Joseph is a perfect place to settle down.

Whether you're drawn to the city's rich history, its friendly community spirit, or the affordability of homes with FHA financing, St. Joseph, MO, is a delightful place to call home. Explore the possibilities and discover your dream home in this welcoming city!

Newest St Joseph Homes with FHA Financing

$299,000
3 Beds ⋅ 2 Baths
Welcome to 2907 S 29th! This home has been completely renovated to combine modern living with peace of mind. With extensive updates all completed in 2026 this home features: - New vinyl siding - All new windows - All doors/windows metal wrapped - Brand new interior & exterior doors - Brand new soft close kitchen cabinets - Brand new appliances - Luxury vinyl plank in the kitchen & dining room - New granite countertops - All new pex waterlines & PVC drains - New outlets - New light switches - All new light fixtures - Re-finished and sealed hardwoods - Luxury vinyl plank in both bathrooms - New toilets - New vanities in both bathrooms - New tub & shower surround - New carpet in the basement - New hot water heater - HVAC & roof replaced within last 5 years - All new closet doors - New garage door & garage opener - Brand new luxury tile walk in waterfall shower with river rock base Nearly everything in this home is brand new; What more could you ask for? *For sale by owner agent* Book your showing today or message me at 615-944-1772

2907 S 29th Street, St Joseph

Listing courtesy of Zachary Sweat of BHHS Stein & Summers Real Estate.
$98,000
3 Beds ⋅ 1 Baths

1321 S 17th Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.
$499,000
4 Beds ⋅ 2.5 Baths
CUSTOM ALL-BRICK RANCH on 2.45 ACRES Welcome to this beautifully custom-built all-brick ranch located just outside the city limits! Offering 4 bedrooms, 2.5 baths, and a large open-concept floor plan, this home has been thoughtfully designed with quality and comfort in mind. The spacious main level features gorgeous rounded drywall corners, an inviting open living area, and a beautiful sunroom-perfect for relaxing and enjoying the peaceful surroundings. The primary suite offers a stunning walk-in shower. The large basement provides plenty of additional space and is ready to be finished, offering endless possibilities for additional living space, recreation, storage, or a workshop. One bedroom and a half bath have been finished. A backup generator provides an added piece of mind. Outside, the property truly shines with 2.45 acres, a large patio, and a large metal building featuring finished living quarters on one end, complete with heating and cooling. Whether you need space for a business, hobbies, guests, storage, or a workshop, this versatile building offers incredible potential. Enjoy the privacy and space of country living while remaining just outside the city limits. With its custom construction, all-brick exterior, new roof, spacious floor plan, acreage, exceptional outbuilding, and large basement, this property offers a rare combination of comfort, functionality, and versatility..

8301 SW State Route V Highway, St Joseph

Listing courtesy of Gaye Black of Coldwell Banker General Property.
$185,000
3 Beds ⋅ 2 Baths
Welcome to 2913 S 40th Terrace, St. Joseph, MO 64503, where comfortable main-level living meets plenty of room to make the property your own. Situated on a spacious .58-acre city lot, this home is ready for new owners, fresh updates, and personal touches. The kitchen opens directly to a large family room, creating an inviting layout for everyday living and entertaining. One of the smaller main-floor bedrooms has been converted into a convenient laundry room, adding to the ease of single-level living. Outside, mature trees provide a beautiful setting for relaxing, enjoying evening sunsets, or gathering for meals on the patio. A newer detached workshop adds tremendous versatility, with possibilities for hobbies, additional parking, mechanical projects, storage, or a home workspace. An additional office/room within the workshop has already been framed and is ready for the new owner to finish to suit their needs. With its generous lot, flexible workshop space, main-level convenience, and desirable location, this property offers an excellent opportunity to update, personalize, and create a home that truly fits your lifestyle.

2913 S 40th Terrace, St Joseph

Listing courtesy of Eric Craig Team of ReeceNichols-KCN.
$479,900
3 Beds ⋅ 3 Baths
Pride of ownership shines throughout this beautifully maintained, one-owner home! The spacious primary suite features a tray ceiling and private bath with a separate jetted tub and walk-in shower. The thoughtfully designed floor plan offers comfortable main-level living, while the finished basement provides additional living space with a generous recreation room perfect for entertaining, relaxing, or game nights. Outside, enjoy a well-kept lawn, covered rear patio, and attractive curb appeal in an established neighborhood. An added benefit of this location is the option for high school attendance in either Buchanan County or Andrew County, offering added flexibility for homeowners. This well-cared-for property is ready to welcome its second owner!

13944 Indian Ridge Road, St Joseph

Listing courtesy of Vickie Wheeler of Randolph Realty Group.
$165,000
2 Beds ⋅ 1 Baths
Welcome home to this well-cared-for 2-bedroom, 1-bath bungalow on the Northside of St. Joseph. With 988 finished square feet, the home offers a comfortable layout with an oversized living/dining room and a large laundry/mudroom. The home was completely updated prior to the current owners purchasing it and has continued to be well maintained. The kitchen offers plenty of cabinet space along with stainless steel appliances. Outside, you'll find a fenced backyard with a deck, two storage sheds, and off-street parking accessible from the alley. A covered front porch adds to the charm and gives you another place to enjoy the outdoors. With its updates, character, and easy-to-maintain size, this home is move-in ready and worth a look!

1007 Randolph Street, St Joseph

Listing courtesy of Julie Hesselmann of Realty ONE Group Cornerstone.
$216,000
2 Beds ⋅ 1 Baths
Welcome to this move-in ready Saint Joseph home, packed with high-value updates and conveniently located near local shopping, dining, and major highways! Step through the entryway into a bright main level featuring fresh interior paint throughout, durable wood-plank laminate in the living room, dining area, and hallway, and classic original hardwood in both bedrooms. The kitchen comes fully equipped with tile flooring, new countertops, a new sink faucet, and brand-new stainless steel appliances. Downstairs, the finished basement space offers a versatile non-conforming bedroom with brand-new carpet and adjacent utility storage. Major high-ticket updates provide complete peace of mind, including a brand-new water heater, 2024 roof, and high-efficiency thermal replacement windows. Enjoy outdoor living on the raised deck, lower patio with fire pit, and fully fenced backyard. Complete with a drive-in garage and low-maintenance vinyl siding—schedule your tour today!

2607 Parallel Avenue, St Joseph

Listing courtesy of David Price of United Real Estate Kansas City.
$199,900
3 Beds ⋅ 1 Baths
Welcome home to this move-in ready, raised ranch, tucked on a corner lot in St. Joseph! Located within steps of a bus stop for transportation, and right in the heart of Saint Joseph with convenient shopping and eating venues just minutes away. Built in 1958, this well-maintained 3-bedroom, 1-bathroom home offers a finished lower level that adds extra living space — perfect for a home office, or second living room. Step inside to an inviting open-concept living room and kitchen, highlighted by recessed lighting throughout and nicely kept carpeting. The separate dining area makes this floor plan ideal for everyday living and entertaining. The house offers modern conveniences like a smart thermostat, dishwasher, electric oven, and main level washer/dryer. Downstairs, the finished basement (complete with a sump pump) expands your living space with bedrooms and a shared living space. Outside, enjoy your own private deck — ideal for morning coffee or evening relaxation. Set on a spacious 8,712-square-foot corner lot, there's plenty of room to garden, play, or simply enjoy the outdoors on this quiet street. The home features durable vinyl siding, a composition roof, and forced-air heating with electric cooling. Don't miss this move-in-ready gem with character, updates, and space to grow — schedule your showing today!

3325 Locust Street, St Joseph

Listing courtesy of Daniel Atkins of Realty ONE Group Cornerstone.
$124,000
2 Beds ⋅ 1 Baths
Move-in ready and beautifully updated! This home was completely remodeled approximately three years ago, featuring a redesigned kitchen with updated cabinets and appliances, updated flooring, light fixtures, windows, interior and exterior doors, and coordinating hardware. The air conditioner and furnace were also replaced during the remodel. Outside, the fully fenced yard provides plenty of space for relaxing, entertaining, or pets. With the major updates already completed, this home is ready for its new owner!

6401 Sherman Street, St Joseph

Listing courtesy of Deana Chavez of Top Property Realty, LLC.
$749,000
4 Beds ⋅ 3.5 Baths
Beautiful 2-acre (+/-) property offering a spacious home, in-ground pool, multiple garages (1 additional living), gorgeous landscaping, & incredible outdoor living! The vinyl-sided home features an impressive 10x35 deck matching patio below, creating an ideal setting for entertaining. The walk-out lower level provides direct access to the pool, firplace backyard.Inside, you’ll find beautiful maple hardwood floors, extensive trim work, crown molding, an open-concept layout. The gourmet kitchen features quartz countertops, abundant cabinetry drawers w soft-close features, a large quartz island w vegetable prep sink, a large sink overlooking the country views through a picture window. The great room opens to the deck area. The main level offers two guest bedrooms, full guest bath w shower over tub, laundry room w cabinetry, storage and linen closets. The primary bedroom features two walk-in closets, a door to the deck morning coffee, a private bath w tile flooring and a large tiled shower zero entrance.The finished walk-out lower level includes a fourth bedroom, spacious family room w LVP flooring, storage, a convenient mini kitchen w sink and refrigerator beautiful cabinets.The outdoor amenities are exceptional, including an in-ground pool approximately 4-9 feet deep, beautiful landscaping, mature trees, country views, large driveway with plenty of parking, and room for recreational activities such as basketball or volleyball.The property also offers an impressive total of five garages. The main oversized 2-car garage/shop is approximately 25x40 features a metal roof, vinyl siding, canopy, water, and additional living space with LVP flooring, mini-split heating and cooling, storage, and a half bath with potential to add a shower. A second garage measures approximately 20x25 has electricity to the building, with additional outlets needed. This unique property offers space, privacy, storage, entertaining options, & beautiful country surroundings. A must-see! WOW

7501 SE State Route FF N/A, St Joseph

Listing courtesy of Patty Farr of RE/MAX House of Dreams.
$499,900
3 Beds ⋅ 2.5 Baths
Timeless charm meets modern living at this beautifully renovated 2-story home nestled on 1.65 picturesque acres! Offering the perfect blend of country tranquility and city convenience, this meticulously maintained property captures gorgeous countryside views throughout all four seasons. Start your mornings enjoying glorious sunrises from the inviting covered porch while taking in the peaceful surroundings. Inside, the home has been thoughtfully renovated from top to bottom while preserving the character and craftsmanship that make it truly special. The open-concept kitchen and dining area provides a wonderful gathering space and features a beautifully renovated kitchen, while the updated bathrooms offer modern style and convenience. With 3 spacious bedrooms, 2.5 baths, and a dedicated office, there is plenty of room for both everyday living and entertaining. Throughout the home, timeless details beautifully complement the modern updates, including decorative leaded-glass windows, charming pocket doors, and the original fireplace—adding warmth, character, and a sense of history. Every detail has been carefully considered, and the home has been exceptionally maintained inside and out. For those needing extra space, this property delivers! Two separate detached 2-car garages provide an abundance of parking, workspace, storage, or room for hobbies and recreational vehicles. A spacious unfinished attic and stacked-stone basement provide even more storage options. Set on a beautiful 1.65-acre lot with breathtaking countryside views, this exceptional property offers the peaceful feel of country living without sacrificing the convenience of being close to St. Joseph amenities. A rare opportunity to own a home where timeless character, modern updates, abundant space, and beautiful surroundings come together.

5201 Cook Road, St Joseph

Listing courtesy of JAYME MARRIOTT of The St.Joe Real Estate Group,.
$179,900
2 Beds ⋅ 1 Baths
Charming and move-in ready, this beautifully remodeled 2-bedroom, 1-bath home offers modern updates and timeless appeal. The exterior features brand-new siding and great curb appeal, while the interior showcases gorgeous hardwood floors throughout. The updated kitchen is a standout, featuring granite countertops, brand-new cabinets, and soft-close doors and drawers for a stylish and functional finish. With thoughtful updates throughout, this home is ready for its next owner to enjoy!

2510 S 19th Street, St Joseph

Listing courtesy of Travis Pflugradt of Coldwell Banker General Property.
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