64501 Homes with FHA Financing

Welcome to the charming community of St. Joseph, Missouri, nestled in the heart of Buchanan County and home to the vibrant 64501 zip code. This area is not only steeped in rich history, but it also offers a unique blend of small-town charm and modern conveniences, making it an ideal place for families, young professionals, and retirees alike.

St. Joseph is known for its friendly atmosphere and a strong sense of community. Residents enjoy a variety of local amenities, including parks, shops, and dining options that cater to all tastes. The historic downtown area is a treasure trove of culture, featuring beautiful architecture, art galleries, and seasonal events that bring the community together.

For those looking to make St. Joseph their home, the housing market offers a diverse range of options, from charming bungalows to spacious family homes. An exciting aspect of the St. Joseph real estate landscape is the availability of homes that qualify for FHA financing. This means that first-time homebuyers and those looking to invest in property can take advantage of lower down payment requirements and more accessible financing options.

With a welcoming community, affordable housing, and the potential for FHA financing, the 64501 zip code is an excellent choice for anyone looking to settle in a place that feels like home. Whether you're drawn by the historic charm or the community spirit, St. Joseph is ready to welcome you with open arms. Discover the possibilities that await you in this delightful Missouri city!

Newest 64501 Homes with FHA Financing

$199,500

3 Beds ⋅ 1 Baths

This well-maintained 3-bedroom, 1-bathroom home combines classic charm with significant updates. Beautiful original hardwood and LVP floors add warmth and character throughout, while freshly painted rooms create a bright, inviting atmosphere. The updated bathroom offers modern convenience, and a brand-new roof provides added peace of mind for years to come. Enjoy the convenience of a one-car garage and a fully fenced backyard—perfect for pets, play, or weekend barbecues. Located in a quiet neighborhood just minutes from walking trails, grocery stores, dining, and everyday essentials, this home offers both comfort and convenience. Whether you're a first-time buyer or looking to downsize, this move-in ready home is one you won't want to miss!

507 E Meadow Lane, St Joseph

Listing courtesy of Brycen Haggard of ReeceNichols-KCN.

$250,000

3 Beds ⋅ 1.5 Baths

Completely remodeled from top to bottom, this move-in ready home offers clean, fresh finishes throughout! Nearly every major component has been updated, including a new roof, HVAC system, water heater, flooring, interior and exterior paint, doors, windows, and appliances. Enjoy the brand-new concrete front porch, back porch, and steps, adding both curb appeal and outdoor living space. Inside, you'll find 3 bedrooms plus 2 non-conforming finished rooms in the basement, providing flexible space for a home office, gym, hobby room, or guest accommodations. The spacious walk-in closet adds extra convenience and storage. Outside, a mature shade tree enhances the front yard, while the 1-car garage offers additional storage and parking. With extensive updates already completed, this home is truly move-in ready and waiting for its new owner!

811 Powell Street, St Joseph

Listing courtesy of The Rare Group of KW KANSAS CITY METRO.

$89,800

2-unit brick building in St. Joseph. Each unit features 2 bedrooms and 1 bathroom. This fixer-upper makes for a great value-add opportunity project.

1110 N 11th Street, St Joseph

Listing courtesy of Jonathan Minerick of homecoin.com.

$100

5 Beds ⋅ 2 Baths

Fully remodeled and completely move-in ready! This spacious 5-bedroom, 2-bath home has been beautifully updated from top to bottom. Featuring modern finishes throughout, you’ll love the updated flooring, fresh interior paint, renovated kitchen and bathrooms, and stylish new fixtures. With five true bedrooms, this property offers incredible flexibility — perfect for a growing family, a first-time homebuyer wanting extra space, or an investor looking for a turnkey rental opportunity. Located just minutes from downtown St. Joseph, you’ll enjoy convenient access to shopping, dining, and local amenities. *The adjecent lot comes with the property*

1407 Felix Street, St Joseph

Listing courtesy of Luis Hidalgo of 1st Class Real Estate KC.

$279,900

3 Beds ⋅ 2 Baths

Experience the effortless luxury of single-level living at 2602 Faraon Street, St. Joseph, MO 64501, a stunning new construction 3-bedroom, 2-full-bathroom Ranch-style home. Built on a durable, solid slab foundation, this property blends modern efficiency with premium contemporary design. Perfectly tailored for low-maintenance, everyday comfort, it offers an incredible footprint in an established Saint Joseph neighborhood.

2602 Faraon Street, St Joseph

Listing courtesy of Gina Miller of EXP Realty LLC.

$240,000

Well-maintained duplex offering a great investment or owner-occupant opportunity! Each unit features 2 bedrooms, 1 bathroom, and an attached garage. Pride of ownership is evident throughout, with the property having been exceptionally well cared for. One side is currently rented, providing immediate income potential, while the other unit offers flexibility for an owner occupant or additional rental income. A clean, attractive property with strong appeal for investors and homeowners alike.

2708 - 2710 Faraon Street, St Joseph

Listing courtesy of Ma Del Pilar Sasso of RE/MAX PROFESSIONALS.

$162,900

4 Beds ⋅ 2 Baths

Welcome Home! This four bedroom, two bathroom abode offers open concept kitchen/living/dining. Perfect for hosting or summer nights. New owners will enjoy both front porch and side patio just off kitchen in view of fenced yard. Recently updated and ready for new owners to make it their own. Kitchen appliances to stay as well as washer and dryer.

1113 N 18th Street, St Joseph

Listing courtesy of Alison HORN of The Horn's Realty LLC.

$220,000

Investor opportunity with built-in income in a highly desirable and centrally located area of St. Joseph! This well-maintained up/down duplex offers separate utilities for each unit, making management simple and expenses predictable, and features a newer roof that was completely replaced in March 2024 for added peace of mind. The furnished upper unit is currently operated as a varied-term rental and is full of character and charm, featuring freshly painted interiors, refinished hardwood floors, original hardwood doors, updated flooring in the kitchen and bathroom, and private access to a balcony. Income from the upper unit varies based on occupancy and rental term but has averaged approximately $1,300 per month. The lower unit is a well-maintained 2-bedroom apartment occupied by a long-term month-to-month tenant currently paying $1,000 per month, with the tenant covering all utilities. Additional features include two car detached garages with convenient alley access, a rear patio area perfect for outdoor enjoyment, and ample street parking in front of the property. Lawn care and trash service are currently included in the rent, adding to the property's appeal. Ideally situated near downtown St. Joseph, major medical facilities, shopping centers, restaurants, coffee shops, parks, schools, and local entertainment, this property offers convenient access to everyday amenities that tenants are looking for. Whether you're searching for a turnkey investment property, duplex for sale, income-producing rental, cash-flowing multi-family property, house-hack opportunity, or a furnished rental investment, this versatile duplex delivers strong income potential, character, and location all in one package. If you are looking to owner occupy a unit, 2 months notice is needed for 2406 to be ready for move in.

2404-6 Faraon Street, St Joseph

Listing courtesy of Serena Bales of KW KANSAS CITY METRO.

$205,900

3 Beds ⋅ 2 Baths

This modernly updated 3-bedroom, 2 full bathroom home offers a functional and flexible layout. The main floor features 2 bedrooms, 1 full bathroom, and convenient main floor laundry, while the upper level provides a private retreat with an additional bedroom and full bathroom. The front of the home showcases a retaining wall that adds to the curb appeal, while the fully fenced backyard includes a spacious deck. Off-street parking in the back adds everyday convenience, and a newer roof provides peace of mind.

3142 Felix Street, St Joseph

Listing courtesy of Ashley Hines of RE/MAX PROFESSIONALS.

$165,000

3 Beds ⋅ 1 Baths

This charming all-level living home offering 3 bedrooms, 1 bath with plenty of space both inside and out! This well-maintained property features a spacious layout designed for comfort and convenience, plus a 2-car detached garage and an extra-long driveway providing ample parking. Enjoy the privacy of the fenced yard — perfect for pets, entertaining, or relaxing outdoors. As an added bonus, two additional lots are included with the sale. Seller plans to have the roof replaced for a new buyer before closing.

1218 N 10th Street, St Joseph

Listing courtesy of Haley Lake of RE/MAX PROFESSIONALS.

$26,000

Excellent opportunity with two flat, well-maintained lots being sold together in a convenient city location close to downtown and with easy access to Highway 36. Seller has kept the property mowed and maintained, making it ready for your future plans. Located in a residential area with street access in front and an alley behind the property for additional accessibility. Zoned C2 Commercial, offering flexible potential for commercial development or multifamily housing. Lots can be separated if desired, though seller prefers to sell both together. Great investment opportunity with multiple possibilities for development.

717 & 719 South 10th Street, St Joseph

Listing courtesy of Tina Cotton of Keller Williams KC North.

$194,900

2 Beds ⋅ 1 Baths

This home has newer paint, flooring, windows, and appliances, including the washer and dryer, and is move-in ready! The open floor plan offers all of the conveniences on one level, and features an updated kitchen and spacious bath. There is also a bonus room off of the garage for use as an office or non-conforming third bedroom, and a full unfinished basement for future living space if needed. The large backyard is fenced, and the front of the home offers a great view of a Golf course!

3104 Faraon Street, St Joseph

Listing courtesy of REBECCA GILES of REECENICHOLS-IDE CAPITAL.

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