64501 Homes under $200,000

Welcome to the charming and vibrant community of St. Joseph, Missouri, nestled in the heart of Buchanan County. The 64501 zip code is not only rich in history and culture but also offers an array of affordable housing options, making it an ideal place for first-time homebuyers, families, and anyone looking to settle down in a welcoming environment.

In this picturesque area, you can find a variety of homes under $200,000, providing excellent value for your investment. Whether you’re seeking a cozy bungalow, a spacious family home, or a quaint cottage, the 64501 zip code has something to suit every taste and budget. Many of these homes boast unique architectural features, lush yards, and easy access to local amenities.

St. Joseph is renowned for its friendly atmosphere and community spirit. With a plethora of parks, recreational facilities, and cultural attractions, residents enjoy a balanced lifestyle that combines the tranquility of suburban living with the excitement of city life. The downtown area is filled with delightful shops, restaurants, and art galleries, ensuring there’s always something to explore.

Additionally, the convenience of major highways makes commuting a breeze, connecting you to nearby cities and attractions. Living in the 64501 area means you’re never far from the charm of St. Joseph’s historic sites or the scenic beauty of the Missouri River.

Discover your dream home in St. Joseph today, where affordability meets community, and every day feels like a new adventure!

Newest 64501 Homes under $200,000

$95,000

415 S 9TH Street, St Joseph

Listing courtesy of Said Zouitni of EXP Realty LLC.

$118,000

2 Beds ⋅ 1 Baths

This move-in ready 2 bed, 1 bath home in the heart of St. Joseph is turn key move in ready. Inside are original hardwood floors and a kitchen with an island, recessed lighting, and a walk-in pantry. All appliances stay, including the refrigerator, range, microwave, washer, and dryer. The sunroom off the kitchen has the laundry and can be used for dining or as an office. Features include has a covered front porch with an accessibility ramp. Recent work includes a newer roof, fresh tuckpointing on the foundation, and HVAC service. A recent home inspection is available to buyers.

815 S 16th Street, St Joseph

Listing courtesy of Corbin POLSGROVE of The St.Joe Real Estate Group,.

$150,000

Opportunity knocks at 418 N 20th Street, a St. Joseph duplex ready for its next owner. Fresh carpet is going in now and the seller is wrapping up the final touches, so this one is shaping up to be move-in or tenant-ready. Unit one features a large bedroom over 15' x 16', a spacious living room with a fireplace, a separate dining area, and a big kitchen with room to cook and gather. A full bath completes the main level. A lower level adds a basement and two additional rooms, including a sitting room, perfect for storage, hobbies, or bonus space. Unit two offers a bright living room with a wall of windows and a fireplace, a dining area, a kitchen, two bedrooms, and a full bath. Out back, a screened porch is a great spot to unwind from spring through fall. With roughly 2,050 sq ft above grade across both units, plus the lower level, this property works for an owner-occupant who wants help with the mortgage or an investor adding a rental to the portfolio. Live in one, rent the other, or rent both. Schedule your showing today!

418 N 20th Street, St Joseph

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

$199,900

4 Beds ⋅ 2 Baths

Completely remodeled and move-in ready! This beautiful 4 bedroom, 2 bath bungalow has been fully updated with everything new throughout, including a completely renovated kitchen, new roof, HVAC system, and water heater. Features include an attached garage with electric opener, main floor laundry, a new front deck, and a great location in a desirable neighborhood. With nothing left to do but move in, this home is ready for its new owner. Schedule your showing today!

3020 Jules Street, St Joseph

Listing courtesy of Nathan Downey of BHHS Stein & Summers Real Estate.

$189,000

2 bed / 1 bath units, bedrooms upstairs, kitchen + dining, partial basement. Great income! Live in one, rent the other — or rent both. 2402/2404 Jules Street, St. Joseph, MO 64501

2402 & 2404 Jules Street, St Joseph

Listing courtesy of Charlie Golden of Davidson Real Estate.

$200,000

2 bed / 1 bath units, bedrooms upstairs, kitchen + dining, partial basement. Live in one, rent the other — or rent both. This duplex is now completely vacant. You can find your tenants and adjust the rent according to your preferences. Great investment opportunity!

813 5th Street, St Joseph

Listing courtesy of Charlie Golden of Davidson Real Estate.

$145,000

3 Beds ⋅ 1 Baths

Looking for a hassle-free addition to your portfolio? This well-maintained two-story home sits on a corner lot in the heart of Midtown, offering 3 bedrooms and 1 bathroom in a location renters love. The property has been carefully cared for and comes with reliable long-term tenants already in place, so you can start collecting income from day one without the time and expense of turnover, repairs, or marketing for new renters. The two-story layout gives everyone room to spread out, with three bedrooms offering plenty of flexibility for families or roommates. The corner lot adds curb appeal and a sense of openness, and the home's location near Central High School and the conveniences of Midtown keeps it in steady demand. Whether you're a seasoned investor or buying your first rental, this turn-key opportunity checks all the boxes: solid condition, established tenants, and a desirable location. Contact us today for rental details and to schedule a showing!

2327 Angelique Street, St Joseph

Listing courtesy of Stacey Sharp of BHHS Stein & Summers Real Estate.

$90,000

3 Beds ⋅ 1 Baths

4-in-1 investor opportunity! 212 S 15th St, 216 S 15th St, 211 S 14th St, & 1415 Charles St are being offered together and present an opportunity for an experienced investor or renovator looking for a substantial rehabilitation project. Both properties are in need of extensive renovation and are being sold in their current condition. Buyers should perform their own inspections and due diligence regarding property condition, repairs, and intended use. Interior access is available by appointment only, and a Hold Harmless Agreement must be signed prior to entry. Properties are part of a larger bulk-sale portfolio; contact listing agent for additional information regarding other available properties and potential package opportunities. This package includes 3 single family homes and a vacant lot.

212 S 15th Street, St Joseph

Listing courtesy of Nathan Nold of BHHS Stein & Summers Real Estate.

$100,000

3 Beds ⋅ 2 Baths

Investor opportunity! 1513 & 1515 Charles St. are being offered together and present an opportunity for an experienced investor or renovator looking for a substantial rehabilitation project. Both properties are in need of extensive renovation and are being sold in their current condition. Buyers should perform their own inspections and due diligence regarding property condition, repairs, and intended use. Interior access is available by appointment only, and a Hold Harmless Agreement must be signed prior to entry. Properties are part of a larger bulk-sale portfolio; contact listing agent for additional information regarding other available properties and potential package opportunities.

1513 Charles Street, St Joseph

Listing courtesy of Nathan Nold of BHHS Stein & Summers Real Estate.

$85,000

Value-add duplex opportunity in St. Joseph, Missouri! This spacious brick duplex offers approximately 3,352 square feet, with approximately 1,676 square feet per unit. Currently vacant and requiring additional work before tenant occupancy, this property is a great opportunity for an investor, rehabber, or buyer looking to add value and create future rental income. The current owner has already made several improvements, including a new furnace on one side and other minor updates. Additional features include separate utility meters, natural gas heat, public water and sewer, off-street parking, and basement space. Originally built in 1915, this property offers classic brick construction and plenty of potential.

717 719 Mount Mora Road, St Joseph

Listing courtesy of Serena Bales of KW KANSAS CITY METRO.

$189,900

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.

$95,000

2 Beds ⋅ 1 Baths

Turn-key income-producing property! This two-bedroom, one-bathroom home is already occupied by long-term tenants, offering a new owner the opportunity to step into an established rental and begin collecting income from day one. The practical layout features a galley kitchen, luxury vinyl plank flooring throughout the living areas, and carpeted bedrooms for added comfort. A large basement provides substantial additional storage space. With reliable long-term tenants already in place and no need to start from scratch, this property is a great opportunity to add a proven income-producing home to your rental portfolio.

815 Pendleton Street, St Joseph

Listing courtesy of Joshua Johnson of BHHS Stein & Summers Real Estate.

Start Your Search

The data relating to real estate displayed on this website comes in part from the Heartland Multiple Listing Service database compilation. The properties displayed on this website may not be all of the properties in the Heartland MLS database compilation, or all of the properties listed with other brokers participating in the Heartland MLS IDX program. Detailed information about the properties displayed on this website includes the name of the listing company.

The information displayed on this page is confidential, proprietary, and copyrighted information of Heartland Multiple Listing Service, Inc. (“Heartland MLS”). Copyright 2026, Heartland Multiple Listing Service, Inc. Heartland MLS and the company represented by this website do not make any warranty or representation concerning the timeliness or accuracy of the information displayed herein. In consideration for the receipt of the information on this page, the recipient agrees to use the information solely for the private noncommercial purpose of identifying a property in which the recipient has a good faith interest in acquiring. Data last updated . Terms of Use